Why does paying with cash make a difference, and cause you to spend less?
No matter what method you use - envelopes, jars or other ways to stash your cash - it just seems to help us spend less if we have actual, physical money in our hands as opposed to credit or debit cards.
Maybe you can't use cash for every single transaction right away - so make it a goal to do what we've been doing recently - take out a certain amount of cash each week for just your weekly groceries. When the money runs out, you have to make do with the groceries you have left at home! You'll be amazed by what a difference it makes to your overall budget if you use cash more, and other (admittedly convenient) ways to pay - such as using credit cards - way less.
What do you think? Does paying with cash help you to spend less overall? Post a comment and let other frugalites know!