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Anytime we use any kind of plastic and you’re not using cold, hard cash with Uncle Benjamin looking up at you, you have a tendency to spend more

- Dave Ramsey
People buy more when they do that because it doesn’t activate the pain centers of the brain when you use plastic. You don’t feel spending emotionally like you do when you use cash
'Cashback' and 'points' rewards encourage overspending and splurging because they trigger the reward centers of the brain

This is the same as saying you saved money because you purchased something on sale

No, you spent money that you may not otherwise have spent
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