Despite being told, "Don't leave home without it," the less often a credit card is in your wallet, the less likely you are to make an impulse purchase.

"You tend to supersize it and buy your friend a Coke when you buy with a credit card," Ramsey says.

To save money, Glass says remove the temptation before you go out. "We're so used to just swiping. You don't want to pull out a checkbook and write a check," Glass says.

If you use cash, a checkbook or a debit card, you will need to be confident the money is available in your checking account before making a purchase. "I'm pretty convinced that this is not as big of a step as people act like it is," Ramsey says. "A debit card will do everything a credit card will do."