Which is smarter

I think it's always smarter to save your money and make a purchase later. It's especially true for fun or luxury items. But, for those things that need to be bought right away, like fixing the car, or replacing that broken down refrigerator, then a credit card will have to do. I try not to use my credit card for anything except emergencies unless I plan to pay it off in a month. And, even that, it's too tempting to "let it slide" until the next month.

It is always better to save money and purchase it. Only when it is inevitable then you can buy with credit card and pay later. Avoid getting into debt trap.

saving money and doing shopping is better as it is more safe to us.