Carry Cash to Get Rid of Debt Problems Summary: Are you finding it tough to handle your debt problems? How about making a change in your spending habits? Debt management programs can offer some suggestions to help you learn better money management. Many of us try very hard to get rid of debt problems but are unable to get control over them. Have you ever tried to streamline your spending habits? It is not likely that you can stop spending altogether, obviously, when day-to-day expenses are a part of life. But you can try some strategies to get a grasp on your accumulated expenditures. Experts of debt management programs suggest carrying cash instead of credit cards while shopping. You might be thinking, in this credit card era when carrying plastic money is so convenient, how could carrying cash be helpful in managing my finances better? But believe me, it works. Debt management experts have justified their suggestion with the following reasons: There is no chance of over extending when paying with cash Normally when you go shopping, even if you don’t have any money in your account, you can purchase whatever you like courtesy of credit cards. But the same is not true of cash. If you don’t have money, you can’t buy things. According to debt management program experts, this strategy works well, as you can only spend the amount you carry. It will help stop your debt problems from accumulating further. It’s not possible to carry much cash at a time Credit cards give us the convenience of spending as much as we want to the extent that we become addicted. And once that happens, spending more than our budget can afford becomes the norm. But the thing about carrying cash is that we can’t carry much at a time. As a result, we won’t be able to make big purchases on a whim. Which means it helps us reduce our debt problems in the long run. Carrying cash is not a convenient option, but if it helps to control debt problems, it’s definitely worth trying. You can always go back to the convenience of credit cards once you gain control of your finances.