As for me, it really depends on what I'm buying and where I'm shopping. At the grocery store I absolutely, positively must use cash if I'm going to stay on budget. Every single dag-blastic time I use my debit card, I over spend. The other sore area for me is restaurant eating. Hmm, are seeing a theme here? Food apparently gets me into trouble (hey, what can I say, a girl loves to eat:-). I cannot think of any other area where I have to be that adamant about using cash. Actually most of my transactions are either online bill pay or cash. I do use my debit card but I primarily use cash. Over the years I have become more disciplined with my spending. Excluding the aforementioned exceptions , I do pretty good either way, paper or plastic.
How about you? Do you tend to spend more when you use plastic versus cash?
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Hi there-Now I've cut up the credit cards, I only have my debit card cash card from my savings account. I try to use cash for most things now if I want something that bad and I use my debit card for online grocery shopping now.
I am doing my best not to use my debit card. It's hard to stop! You are right, you spend more using plastic.
Hi,
I prefer to use cash as when you pay with a credit or debit card you don't feel so much emotional attachment as you do when holding some nice crisp notes, parting with actual cash is a lot harder to take as you can see the money in your hand telling you to not let go lol
Sharon-Rose, Sandy & Money Stand: I too use cash for most items. It seems like I mostly use my debit card at the gas pumps. Some argue just the opposite. Hey, whatever method keeps you from overspending, do it! ;-)
the only way to go for me is cash - always
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