Frugal Tips and Hints - Pay with Cash

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!

Grocery Budgeting - Paying with Cash

When you're sticking to a grocery budget, paying with cash REALLY helps. Why? When you hand over your hard earned physical money, it just feels more painful! (LOL It really does, though!) It makes you more aware of what you're really spending, as opposed to just grabbing one of many debit or credit cards.

Every week, take out your allotted grocery money in cash, and put it in a grocery money jar just for that use. Put receipts in as your money is depleted, and keep careful track of where the money is going. Once the cash is gone, you need to get creative to use the groceries you already have in new, fun ways!