Cash

I love using cash for some reasons and then I hate it for others. I love knowing that I am done spending when the cash is gone, but then it makes me sick because I feel like I didnt use it wisely. So my goal is this year knowing where my cash is going and really thinking about what I am actually spending money on.
The other great thing is that I only put in my bank account what is going to actually come out of the account so my bills all get paid through the bank account so I have a record or reciept of the payments, the rest of our paychecks are going into savings except for the grocery money and the little reserved fund for the small things we still like to do.
Its way easier to not overspend on groceries if you use cash.
Some like to record in a little notebook what they spend their cash on so they know what they are spending to much on..... I have really thought of using this little system. My husband rarely has cash and he knows he cant use the debit card because there is no money in it. So occasionally he like cash to grab lunch on the go and thats ok because he works out of town alot and its hard to always take your lunch and its a nice little treat.
Think of how you can use cash and not your debit card for the year of 2012.