With all the problems in the stock market right now, the famous quote "Cash is King" applies. With everyone facing harder times, now is the best time to start being conservative on credit card & debit card use. One of the first things most people should do is carry cash to buy daily things. For example, I have limited my use on my credit cards and carry roughly $100 dollars in my wallet. My goal is not to spend it, but rather to see how long it will take me. By having cash on hand, I am more able to limit my spending, especially when I have the goal of having it last me the whole week. I commute to work via mass transit, so I have to purchase my monthly pass ahead of time.
There's no daily commuter expenses. There will always be other expenses on a day to day basis. On occasion I will actually run into a situation where the business only takes cash.
If you get used to carrying cash to purchase anything you need, you will see where your money is actually going.
The goal at the very beginning is not to cut spending...unless you are ready to do so..but rather maintain your lifestyle, just physically see where you are spending your hard earned money.

Eventually you will release that physically counting away your money mentaly will prepare you to start conserving. There not much differnce in buying a $2.50 cut of coffe on your credit card, with buying a $105.00 item. Both require the same actualy on your behald. Sign the receipt, give it back.

But when you really hand over $2.50 to buy cash, you say "that's agood deal".
And when you are about to spend it on an expensive item, you wonder "What else could I do with this money."

Take a minute to count your $100.00 dollars. You will notice it takes longer. The longer it takes, the harder it is to part from it.

Try spending $100.00 in singles.

Not a delighful experince, but you would be surprised about the emotions that will run through your body.

Give it a shop.

All you reading this, please let me know -
WHAT IS THE MOST YOU HAVE SPEND- ALL CASH WITH SINGLE BILLS??