Why I Like to Use Cash Only

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• Exhibit D
• Exhibit E

10 Reasons to Have a Cash-Only Spending Plan

I am a big fan of having a cash-only spending plan. Here's some reasons why:

1. You can't spend more than you have like you can do with credit cards.
2. Credit card air miles are a joke--nearly impossible to use due to all of the rules you need to follow to use them (plus you have to book almost a year in advance to get a seat!).
3. Cash can't be declined like an over-extended credit card.
4. You will spend less by using cash than with a credit card--it's a proven fact.
5. You can be confident that you can handle any financial emergency if you are carrying a wallet full of cash instead of nearly maxed out credit cards.
6. You will often get a better deal at stores and gas stations if you pay with cash.
7. Using cash means you don't have to pay interest on your purchases.
8. Cash can't be refused (yet) unlike certain types of credit cards (some places don't take Discover or AmEx cards due to the type of precessing company they use).
9. There are no "surprise" fees when you use cash such as over limit or an NSF fees.
10. Using cash means your purchases can't be traced like they could be with a credit card trail.