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Stop using your credit or debit card
Stop using your credit or debit card © Designpro Studio/Shutterstock.com

On average, people who use cash rather than plastic spend about 20 percent less, says Gail Cunningham, spokeswoman for the Washington, D.C.-based National Foundation for Credit Counseling. That's why ditching your credit card or debit card can be a good way to automatically spend less.

Rather than swiping a credit card or debit card when you want to purchase something, carry cash with you at all times, says Mark Mersman, chief marketing officer for USA Financial in Ada, Mich., and co-host of the "USA Financial Headquarters Show." When you pay for everything with cash, it can be more painful to part with your money, or at least make you think twice before making a purchase.

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