@Denis Hard You are very true. That's why I stopped using my credit card while on shopping. With credit cards in hand I always end up buying things beyond my budget. Most of the times I used to buy unnecessary things which are actually not required. But when it comes to hard cash we are aware that we can't go beyond a limit and so try to be within that limit. Instead of credit card I use a debit card and I know that I can spend only the money that is left in my account. That prevents me from over spending. But I think dealing in physical hard cash is the most effective way to do as you can see it physically.