I have said it before, if I have cash than I am much more likely to spend it all much quicker than using a credit or debit card. If I have cash sitting in my wallet then I want to spend it. I hate to swipe my card and see that money withdrawn from my account. I have always been like that. I use my credit card and pay it off each month and get the cash back. I am 22 years old and have a house of my own and am not turning away free money. I have been doing that since 18 and have built up an amazing credit score which paid off when getting into my new house with a great interest rate. I also don't carry a lot of credit card debt, only what I can handle. I know its easier said then done, but having bills has helped me remain well disciplined.