You see, using a Budget is like a windshield – it allows you to look ahead, make safe course corrections, and enjoy the ride.
Using Cash is like using the side windows: You can quickly see what is happening around you, lower it when things start to get too hot, and raise it in case you need to protect yourself.
(credit cards, student loans, auto financing) forces you to keep looking out the rear-view mirror. The payment ALWAYS comes after you and is likely to cause you to crash.
If opportunity appears during your journey then you will miss it because you weren’t watching where you were going or paying attention to what you were doing.
PS – You will get farther (better mileage) when you stop making debt payments and the ride will become much more enjoyable!