<prompt> Human: This year I have started trying to cut out unnecessary spending. Recently a friend told me I should start paying with cash instead of my card. This has worked for me because now if I want to buy something I have to get the money out of an ATM and actually hand it over instead of just swiping my card. It has lead to me question whether I really neededwanted something.  <response>: Im exactly the opposite.When I swipe my card I am very cautious as to how much I spend, because I realize the credit card is not going to pay itself, and down the line I am going to have to pay it, thus reducing the amount of money in my checkingsaving account. Also, when I use a credit card I am taking an obligation to pay it in time, utilize the correct out of my limit to not effect my score badly etc.. When I have cash in my wallet I tend to treat it as fun coupons, since I feel as if its money that I already spent because it has already left my checkingsaving account, so mentally its a lot easier for me to spend. 