[Haskell-beginners] State Monad vs. fold

Hello all, many times I see a problem and I say to myself: "there is some state". I then play around with the state monad and often I don't get anywhere. Then at some point I realizes, that all I need is a simple fold. I don't think I ever used the state monad outside of toy examples. Can someone give me some insights when the State Monad is beneficial and where a fold is the better choice.