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            [0] => 117.217.203.107
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    [273] => Array
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    [275] => Array
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)
The cash effect: Jennlem's Personal Finance Blog
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The cash effect

September 5th, 2009 at 01:03 am

So I am continuing on the path to debt freedom. I am always on the lookout for tricks to help out. Well, it seems, at least to me, that cash is the way.
I have generally had a budget that I am pretty good at sticking to.
I have a certain amount of money to spend freely each pay week that I can spend as I see fit. I have always just left it in my checking account and used my debit card to pay for purchases always keeping a running total of whats left. Most weeks I do OK but sometimes I over spend, putting the extra on the CC until the next pay check.
The job I have now I make more than I need for my bills and spending allowance. I use that extra money to pay off debt or save. So when I overspend one pay week I just take it out of this extra money the next week. I still don't run up the CC but it does take out money I could be saving or paying off debt with.
So last week I decided I would take all my spending money out in cash and not use the debit card. Well, you know what? I spent about 20% less using the cash method. Now, I don't results like this every week but I was impressed with the outcome. So from now on CASH IS KING!
Any tricks you use???

Posted in Uncategorized | 2 Comments »

2 Responses to “The cash effect”

  1. Ima saver Says:
    September 5th, 2009 at 01:28 pm

    I have always just used cash, it is much easier to keep track of!

  2. Jerry Says:
    September 18th, 2009 at 02:46 pm

    Cash is king, definitely! If you keep track of everything and spend cash only it can lead to lower output each month, we have seen it in our family. It gives us some insurance that we know exactly how much we are spending, and how much we have left.
    Jerry

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