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Use Cash

Using cash instead of credit or debit cards can make it easier to control your spending habits.

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Take out enough cash to last one week at a time. Make up your mind that the cash you have is all you get for discretionary expenses, or things that you could live without, each week. It's much easier to turn down a $60 pair of shoes when it will take the last of your week's cash than it is when you just have to swipe a credit card.

  •
    Start the Countdown
  • 1: Focus on Savings
  • 2: Use Cash
  • 3: Cut Bad Habits
  • 4: Share the Responsibility
  • 5: Pay Down Debt
  • 6: Keep Your Receipts
  • 7: Balance Your Checkbook
  • 8: Analyze Your Spending
  • 9: Special Accounts
  • 10: Be Flexible
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