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Old Yesterday, 09:58 AM
 
Location: Nantahala National Forest, NC
17,393 posts, read 3,537,755 times
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Quote:
Originally Posted by Cloudy Dayz View Post
So using cash will prevent impulse buying?
If you read the thread you'll see I agreed to cc use to collect points and implement stricter buying...and paying off cc at month's end...
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Old Yesterday, 10:45 AM
 
Location: Upstate NY
30,405 posts, read 9,086,867 times
Reputation: 28951
We always use cash for groceries.

We never charge anything that's gone when the bill comes.
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Old Yesterday, 10:50 AM
 
Location: North Beach, MD on the Chesapeake
32,107 posts, read 39,170,046 times
Reputation: 40515
Quote:
Originally Posted by Cloudy Dayz View Post
So using cash will prevent impulse buying?
It might if she's budgeted, say, $150 and that's all she has with her. I will occasionally see that. People will get to the checkout, watch the total and then start excluding items.

I personally think the best way is to have a written list and then stick to it.
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Old Yesterday, 10:53 AM
 
Location: 5,400 feet
2,199 posts, read 2,271,121 times
Reputation: 2840
We charge pretty much everything we can on either Amex Blue Cash or Costco Visa. Everything gets paid off when the bill arrives. Those are cash reward cards and we'll be in $800-1,200 range again this year.
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Old Yesterday, 11:11 AM
 
Location: Columbia SC
7,961 posts, read 6,710,786 times
Reputation: 10706
I use my bank debit card for most store/gas purchases. I usually carry about $150 cash with me so I pay most under $25 purchases with cash. I use my AMEX via PayPal for online purchases. I use my MC and VISA once a month or so for about a $25 purchase just to keep them active. I have no debt of any type.
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Old Yesterday, 01:07 PM
 
752 posts, read 370,649 times
Reputation: 1319
Quote:
Originally Posted by Portgas View Post
American Express Blue Cash Preferred Card for all food and groceries since it offers 6% cash back up to $6,000 in purchases.
Me too. I will spend the same regardless of payment method. This card is great.
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Old Yesterday, 01:35 PM
 
11,612 posts, read 5,457,812 times
Reputation: 10981
Quote:
Originally Posted by North Beach Person View Post
It might if she's budgeted, say, $150 and that's all she has with her. I will occasionally see that. People will get to the checkout, watch the total and then start excluding items.

I personally think the best way is to have a written list and then stick to it.
Can do that with a credit card too. But I think the point was that the cash makes it a have to situation whereas the cc is more willpower?
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Old Yesterday, 01:45 PM
 
Location: Southwest Washington State
18,847 posts, read 12,473,150 times
Reputation: 24280
I usually pay with debit card because that is what the family bookkeeper prefers.

We have one cashback credit card though. I think we do use it at Costco.

I think using cash for groceries would cumbersome. In fact, I donít normally carry much cash around.
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Old Yesterday, 01:50 PM
 
Location: North Beach, MD on the Chesapeake
32,107 posts, read 39,170,046 times
Reputation: 40515
Quote:
Originally Posted by jencam View Post
Can do that with a credit card too. But I think the point was that the cash makes it a have to situation whereas the cc is more willpower?
That's what I was getting at.
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Old Yesterday, 03:06 PM
 
Location: Verde Valley AZ
8,219 posts, read 9,097,318 times
Reputation: 10386
Quote:
Originally Posted by Cloudy Dayz View Post
So using cash will prevent impulse buying?

It might, if they have a limit. It's too easy to 'add a little' to a credit card. The only "impulse" buying I do is if I see something I know I need but it didn't make the list. Especially since I've been unemployed!
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