By not allowing my information to be saved for future use I consciously add a barrier back in place. When I am home, my card information is not within arms reach…so if I want to be order out, I have to get up and get the card….sometimes going through the kitchen is all the motivation I need to find something to eat at home.

Crazy, but it works….most of the time!

Comments like “I get 2% back on my purchases and I pay my balance every month”–good for YOU, but generally speaking, the whole purpose of credit cards to begin with is to get us to spend more money then we ordinarily would. They weren’t designed to be the cash management tools some people make them out to be.

From a pure thrift standpoint, cash is the way to go if you’re weak.
If you’re weak, if you lack the will to save and must force yourself with infantile gambits, then go ahead it is the way. But if you have some will, if you can make a decision to spend money or not; then placing it in an account will always yield you more. Now I’m earning 4 percent a month in a credit account; that extra 4 percent will translate to over 400 dollars this year, an amount which would be less if I used cash(I only use it for laundry/car washes) and much less If I used it all the time.

By setting it up once it requires no willpower to keep saving month in/month out.

Being a robot is good…apart from when it comes to dancing.

Also cash for me is money already 90% of the way to being spent. It has already been deducted from my bank account, I’ve already acknowledged that it’s no longer in the vault, I’ve already dealt with losing the money from my bottom line — now it’s sitting in my pocket ready for that teeny little nudge of wanting something to finalize what started when I removed it from my account. Spending it means nothing to me as it has no affect on my bank balance. It’s already “gone”.

Debit is harder for me to deal with, psychologically. Debit is when my bank account balance shrinks. This I feel! Wow, when I spend $100 on groceries I’ll have less than $1000 in my checking account. If I spend $80, I’ll still have $1000.

On a more relevant note, although warning this is probably a trivial snobby rant, I think my beef with drinking lower end alcoholic drinks is more easily seen in beers. Would anyone actually prefer a Corona over Dogfish Head’s summertime Lawnmower beer in a blind taste test? Corona is marketing at its finest.

As a public service, SaveEveryWay was launched to do just this!

We are currently helping almost 2000 people stay focused every day!

Comments like “I get 2% back on my purchases and I pay my balance every month”–good for YOU, but generally speaking, the whole purpose of credit cards to begin with is to get us to spend more money then we ordinarily would. They weren’t designed to be the cash management tools some people make them out to be.

From a pure thrift standpoint, cash is the way to go.