[x2drich2000]

I would guess you're naturally a saver when it comes to finances. There's nothing wrong with that. Your hesitation is really just your body's reaction to saying this doesn't feel right. So I would start by asking yourself why am I hesitant about this? Would spending the money make you feel less secure? Does it feel wasteful? Greedy? Would you be resentful of the card? There is a lot of introspective stuff that only you can answer. Having a good friend/spouse that you can bounce your feelings off of without being judged or telling you what to do/not do is a great thing in these situations.

For me, it really depends on what is going on at the time. I always pay cash so if I don't have enough, I don't get it. That includes making sure I have enough set aside that if something else I want more comes up I can still get that as well. Other things I consider is how easily I could recoup my money if I end up not wanting it down the road and what are the chances I'll see the card for sale again. I can also say that the more I've spent on a card the easier it has been to spend that same amount again, but I always have that same hesitation when I spend more than I have before.