Pay for it with cash. Yes, you’ll miss out on the bonus offers that your credit card company gives you, but you’ll benefit in other ways.
- You will be much less likely to overspend—there is something about paying cash that makes you more aware of how big the ticket really is.
- You’ll have to have the cash on hand in order to purchase the item. If you do not get paid until next week and are out of funds, you can’t buy the item.
- You’ll be done with it. You won’t have to pay a bill or worry about a late fee or interest. You’re done with the payment then and there.
Concerned about keeping cash on hand? Use “cash” in the form of a debit card or check.