Spending wisely takes a lot of time you have control over your finances increases stress means using a credit card for most of your purchases

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.

The answer is "he was bad enough in all conscience, but the devil himself could not temp him to turn slave-trader. satirical is a synonym for sarcastic. so when the author says that tom walker could not be tempted by the devil he does not literally mean "the devil" but he means that he is too morally upright to become a slave-trader.