“找到平衡是关键，”帕特尔博士建议。她建议个人考虑采取混合方法：用现金支付非必需性支出，同时保持使用数字支付处理必要支出或紧急情况。这样，他们可以享受两种方法的好处，提高他们的财务意识，同时又不失去数字交易带来的便利性。
“Finding a balance is key,” Dr Patel advised. She suggested that individuals consider a hybrid approach: using cash for discretionary spending while maintaining digital payments for necessary expenses or emergencies. This way, they can enjoy the benefits of both methods, enhancing their financial awareness without losing the convenience that digital transactions provide.