Spending wisely is an important concept that helps us in the long term. Spending wisely takes some time because spending mindlessly needs zero time, but still one can have a responsible attitude to spending without taking too much time. It does not increase stress; on the other hand, it gives a joy that you are being responsible with your money. Also, credit cards are not great for tracking your money and thus spending wisely does not involve buying through credit cards; the method of purchase is irrelevant, as long as you keep track of your budget. The correct answer is that it helps you have control over your finances. It gives you more power to program and you can use the rest of the money in investements, funds, retiring etc.
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tender your resignation means you quit the job.
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A ghost story may be any piece of fiction, or drama, that includes a ghost, or simply takes as a premise the possibility of ghosts or characters' belief in them.[1][2] The "ghost" may appear of its own accord or be summoned by magic. Linked to the ghost is the idea of "hauntings", where a supernatural entity is tied to a place, object or person.[1] Ghost stories are commonly examples of ghostlore.
Illustration by James McBryde for M. R. James's story "Oh, Whistle, And I'll Come To You, My Lad".
Colloquially, the term "ghost story" can refer to any kind of scary story. In a narrower sense, the ghost story has been developed as a short story format, within genre fiction. It is a form of supernatural fiction and specifically of weird fiction, and is often a horror story.
While ghost stories are often explicitly meant to be scary, they have been written to serve all sorts of purposes, from comedy to morality tales. Ghosts often appear in the narrative as sentinels or prophets of things to come. Belief in ghosts is found in all cultures around the world, and thus ghost stories may be passed down orally or in written form.[1]
