Monday Motivation

Good Morning,
On this Cyber Monday, I would like to give you a little motivation not to overspend.
Use Cash. That's right. Use Cash.

If you can't do it with cash you need to evaluate whether it needs to be done. Studies show that people spend more on the same item simply by using credit versus cash. Cash is more difficult than credit and any barrier to spending will help you to spend less. If you want to go into this new year with more money than bills, consider cash only over the holidays.