Credit cards versus cash have been an ongoing conundrum for most people as far back as they care to remember. It’s a tug-of-war, but using a bit of knowledge and common sense, any person can break the “I need to use my credit card,” habit. You must, however, be prepared for the weird looks and rolling of the eyes, from family members and friends when you eschew the credit card, reach into your pocket or purse, and pull out a roll of those green pieces of paper with the pictures of dead presidents on the front.
What may have escaped you is paying cash can open doors for purchase discounts, plus your cash doesn’t charge you 21 percent or more on the charges you make. Look folks, we’re not asking you cut your credit cards in half; only that you stash them in the freezer or another place where they won’t tempt you, and give cash a try for one month and see how it works out. Anyway, the “when cash should be used instead of credit” argument is easily solved doing just one thing: get and use a “debit card.” It truly is life without using a credit card.