<prompt> Human: As the title states, I recently switched from using debitcredit cards for my daily purchases. Prior to making the change I used USAAs 2.5 cashback credit card.I had never really thought about the psychology behind using plastic over cash and vice versa. The reasoning Dave Ramsey offered was that if you use cash, it activates the pain sensors in the brain causing you to spend between 12-18 less on average this seemed silly to me at first. Additionally, the idea of handing over cash and receiving a product vice handing over plastic and receiving the product and the plastic back seemingly a better deal is another interesting aspect that I had not considered. I am on week four of using cash to pay for everything. On average my spending has decreased significantly. I have only had a credit card for about 5-6 months with the cashback feature. I am not too proud to admit that I fell suspect to the psychological marketing behind these types of incentives that are researched by multi-billion dollar companies. Even though I always carry a 0 balance.These are just my thoughts on the subject, one that I have been very interested in as of late. I have always been disciplined in my spending, saving and investing, but from now on I have decided to stick to cash.What do you think on this fascinating subject?  <response>: If youre living on a budget, it literally doesnt matter, psychologically speaking. Every dollar should have a job, then theres no room for impulse shopping. We have 400 a month for grocerieshousehold stuff shampoo, pet food, etc.. We have 200 for restaurantsmiscellaneous. I guess its possible that if we used cash, wed have an extra 20 left at the end of the month, but our budget is strict enough that I frankly dont care. We plan around our financial goals paying off debt or saving, we dont spend money and then use whats left to go towards our goals. I think people who do the latter could benefit more from using cash only because of the temptation to overspend. 