Ever since I’ve gotten a debit card, spending money has been a lot easier. It’s not that swiping a card is easier than grabbing cash- actually, I…

Ever since I’ve gotten a debit card, spending money has been a lot easier. It’s not that swiping a card is easier than grabbing cash- actually, I continue to struggle with putting the card in upside down or reversed or trying to tap the screen with my finger in vain when a magnetic pen is required. No, the reason spending money has become a minor issue is more in my head. When I use my debit card, it’s not like I lose anything that I can touch. Some money vaporizes from my online account, but that’s a lot more abstract than forking over valuable pieces of paper. Consequently, I have to watch myself. If I don’t, I might soon encounter overdraft fees, which I hear are pretty unpleasant. It’s worth reminding yourself, if you use a debit or credit card in lieu of cash, that money is money, regardless of its tangibility. It might seem obvious that when you use your debit card you’re spending money, but all the same, it lowers the barrier to buying stuff. So think about what you really need, and how much you can spend. Otherwise, you may end up in over your head.
– Will