7 stingy steps to curb impulse buying
When you're using cash, you have a running total of what you're spending in real time. Credit cards give you permission to buy now and pay later. So impulse buying on a credit card actually costs you more in the long run, says Wagner.
"Cash makes shopping clean, and most of us make better choices when shopping with cash," says Wagner.
Using debit cards is a good second choice, but be sure you are aware of what's in the account and any fees or automatic deductions that may be coming out of your checking account so you don't overspend, Wagner says.