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I've always used a rewards credit card for virtually all purchases, but I'm wondering whether I'll spend less using cash (studies apparently show one does).

Hi, WeeBeastie. I, too, use reward credit-cards. I have also read about what you're saying--that the use of credit cards encourages one to spend more. At first, I was a little skeptical about that applying to me. I thought that I was different from most people and that I can control myself.

For a while, I was buying I-bonds with them. Then, I started putting groceries, gasoline, postage, any purchase that allows credit cards to earn more cash back. I've found that the justification of earning cash-back rewards makes it very easy to whip out the cards and spend more. So now I intend to write out most payments by check so that they're more of a pain that I'm aware of, reserving credit-card use for online and big occasional purchases.

Thanks for the wishes, and good luck to you, too!

not really a masochist, just working towards FIRE
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