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When forming our spending habits, using cash is an absolute necessity. It is usually difficult to truly change our spending habits if we've been accustomed to using credit cards for a while and try to transition to only using our debit cards.    Plastic is plastic is plastic, and until you get yourself accustomed to the feel of using paper money and coins on an almost consistent basis, it may be challenging to break the habit of defaulting to pulling plastic out of your purse or wallet, whether that's a debit card or a credit card. Another huge benefit of spending with cash instead of credit cards or debit cards is that we will usually spend less. We will keep our attention focused on our planned list of items that we've intended to buy, and we'll be better able to ignore the endcaps or the clearance racks that are positioned strategically to grab more of our hard-earned resources.   If you would like to listen (or re-listen) to other episodes pertaining to the importance of using cash, give a listen to episo