Getting into too much debt is never a good thing. You need to have sufficient savings and the ability to pay your bills with money left over each month. If you have too much debt, is it a good idea to completely ditch the credit cards for a while? What are the odds that sticking to using cash exclusively will help you change your financial outlook?
Cash Helps You Control Your Spending
Using cash is a good idea because it will help you set limits when it comes to your spending. When you run out of cash, you are no longer able to purchase anything. You also give yourself the opportunity to set limits that may be below what you have in the bank. For example, you could bring $20 to the grocery store when you go shopping. This forces you to budget when you are buying food for yourself this week.