While some argue that cash gives them a physical account of what they are spending rather than using a debit card, I rely heavily on my debit card and rarely if ever have cash on me. Which has save me hundreds of dollars as there are a lot of impulse purchase places that only accept cash, like ice cream stands (my weakness!).
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I took Dave Ramsey's Financial Peace University class and one big change I finally made is to pay cash as much as I can. Really, it hurts when you pay cash mentally. So I really avoid spending cash and if I must, I often ask myself - do I really need this? I end up spending less and I think I've saved myself $200 so far in 10 days for not wanting to part way with my hard earned money.
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