Cash or Card?
While paying in cash will most likely help you save money and make fewer impulse purchases, paying in credit cards does offer an enviable convenience and allow you to afford larger items—given you monitor your spending carefully and make sure to pay off your balance each month.
Some local businesses offer a discount if you pay with cash. Merchants pay fees in the 3 percent range on credit card purchases, and using cash reduces those fees to zero. Many store owners are willing to share the savings when you use cash instead of credit.
The key difference between cash and credit is that one is your money (cash) and one is the bank's (or someone else's) money(credit). When you pay with cash, you hand over the money, take your goods and you are done. ... When you pay with credit, you borrow money from someone else to pay. But if it’s your debit card from your checking account you basically avoid going to atm or bank to pull money from your account.