Yes, I make use of PayPal. I just received a payment of $8 on PayPal for a service I'm to render to someone. PayPal is the best payment processor I have used.
I have never and will never save money at home. The amount of money I have earned in a month can't be kept at home. It's not safe, they are better saved in my bank account.
I can't spend more than 70% of what I make in a month. If I do that, I will be dead sooner before I know it. This makes me to save at least 40% of what I make every month.
Maybe I'm the only one who's not worried about growing old. I have come to terms everyone will die. Any way the process starts is good with me because I've accepted it long ago.