It is easier to control spending when paying with cash than with plastic

Uncontrolled Spending? Ditch the Card for Cash

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Pay Smarter

When you have your estimated total, only bring that amount in cash. Experts say that consumers spend at least 10% more if they pay with plastic. Parting with your hard-earned cash is more real and immediate. Use a calculator while shopping to have an even more accurate total and to keep uncontrolled spending in check. If you are worried about being short and having to put something back, keep a single $20 hidden in your purse or wallet for emergencies. If a $20 is too hard to hold onto, then make it a $50. Larger denominations are harder to break, especially if it is for a $2 impulse buy you know you don't need.

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