“So many people have said to me, ‘You know, when I have cash in my pocket, it just goes. I don’t even know what I spent it on. With a credit card, I know what I spent it on. I can’t pretend that I don’t know, because I see it.’”

Same for online shopping, she says.

For one person, what turns into click-click-click impulse purchases in the middle of the night and a stack of boxes on the porch a few days later, allows another to stay away from all the pretty temptations surrounding them at the mall and just buy the specific item they need.

via How to Master Your Money Habits – The Simple Dollar.