Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit?
It is going to save you more money in the long run to pay at once with cash. If you take out a loan, you will pay interest on the balance, costing you money. If you pay off the balance immediately, there is no difference between the options and your question becomes irrelevant.  There is no credit rating benefit to placing large purchases on your cards, especially since your credit is fine. My advice is to pay in cash in this case, mostly because it makes you 'feel' the purchase. This is what you are describing in your question. This instinct helps you recognize potential problems, instead of masking them with debt. Questions like: "Do I need this?"  "Am I overextending myself financially with this purchase?"  "Am I holding enough cash-on-hand for emergencies?" You may be fine in these areas, but I would still argue that cash makes you a better buyer because the expense feels much more significant, making you more cautious and discerning.  You are right to feel these things before dropping a large sum of money. Let it inform you and help you make better decisions. Don't mask it or be paralyzed by it!