Most people find it inconvenient to use cash to make purchases. Whether it is because they don't want to hold the line up, find it annoying to count change, or feel more secure not carrying cash, they use a debit or credit card for convenience. These reasons are excuses that make spending easier and can increase debt exponentially. Twenty bucks here and twenty there five times in one day is one hundred bucks. But if the person does not see an empty wallet, he or she may only remember spending twenty bucks a few times. That is where the problem begins.
Money Saving Strategy
People need to start up that affair with cold hard wonderful cash. With physical money, a person knows it is there. There is an excitement when crisp bills seductively reveal themselves when a wallet opens, and a sadness that consumes a person when the money is handed over. Sure a person may have wanted the new book or computer, but when they start counting out the dollars to make the physical exchange, it hurts a little. This hurt is the realization of the exchange between money and thing, and the harder it is, the more likely a person is to think about whether its worth it or not.
The Worth of Using Cash
Worth is what a person discovers when they are buying something, and a simple swipe of a card does not give anyone the same feeling as using cash. When a person uses cash, he or she notices and appreciates the worth of the money being used, and how much is actually used. One swipe of a card is a lot different than counting out ten bills of any amount. Purchases go so fast when using a credit or debit card, that there is little time to sweat it out, second guess a purchase, and just run away. Cash purchases also mean the person has enough money to buy whatever they want.
Rebuilding a Relationship With Cash
If using a credit card, that person may or may not be able to afford something, but can get it anyways. By using a credit card, a person is getting instant satisfaction from a purchase that he or she may not be able to afford. If not paid off right away, he or she is paying more money for an item just to get it faster. Is it more inconvenient to use cash, or to drown in debt? A person may spend fifteen minutes at an ATM, or fifteen years trying to rebuild their credit after bankruptcy. Next time, use cash to buy what is needed and forgo the risk of drowning in debt.
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