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{"id":1837,"date":"2012-05-16T09:15:05","date_gmt":"2012-05-16T09:15:05","guid":{"rendered":"http:\/\/floridaliteracy.wordpress.com\/?p=1837"},"modified":"2019-08-29T15:49:12","modified_gmt":"2019-08-29T15:49:12","slug":"financial-literacy-from-flc-credit-and-debt","status":"publish","type":"post","link":"https:\/\/floridaliteracy.org\/blog\/2012\/05\/16\/financial-literacy-from-flc-credit-and-debt\/","title":{"rendered":"Financial Literacy from FLC: Credit and Debt"},"content":{"rendered":"

\"\"

Do you think you spend less when you pay cash than you do when you use a credit card or debit card?<\/strong>\u00a0 Research says you do.\u00a0 What do you think?<\/p>\n

I love this example from Ashley the Money Talks Coach<\/a>: She says that the whole question can be answered with ice cream! Read this to get the idea and check out her whole blog on the subject. .<\/p>\n

Ashley says:\u00a0\u00a0 You spend less when you pay cash and the reason has to do with ice cream.\u00a0 Yeah, you heard right\u2026 ice cream<\/strong>.<\/p>\n

I love a bowl of ice cream after the kids go to bed.\u00a0 It\u2019s one of my favorite luxuries.\u00a0 However, when I indulge in this treat more than about once per week I gain weight.\u00a0 I know this, yet I still do it.\u00a0 Once\u00a0or twice\u00a0a year\u00a0I will eat ice cream every night for two weeks straight and then cry when the scale reprimands me.<\/p>\n

Why?<\/p>\n

I do it because the consequence is too far away from the action<\/strong>.\u00a0 I want ice cream and I get an immediate\u00a0benefit (happiness) when I eat it.\u00a0 Of course, for every action there is also a consequence<\/strong>.\u00a0 But the consequence doesn\u2019t come right away<\/strong>.\u00a0 I don\u2019t see the numbers on the scale move for a few weeks.\u00a0 So right at that moment, when I\u2019m standing in front of the freezer, ice cream scoop in hand, there is only the benefit on my mind.\u00a0 I know someplace down deep that I\u2019ll regret it later but at that moment all I can see is happiness.<\/p>\n

Same goes for your purchases.\u00a0 When you buy something you get an immediate benefit.\u00a0 When you pay with a credit card you don\u2019t<\/strong> feel the consequence of that action until the bill is due, some 30 days<\/strong> later<\/strong>.<\/p>\n

What about debit cards?<\/strong>\u00a0 While studies show that you will spend the most with credit cards, they say you still spend more with debit cards than you do with cash<\/strong>.\u00a0.\u00a0 So again,\u00a0this consequence comes maybe 7 to 14 days after the benefit<\/strong>.<\/p>\n

But with cash the consequence is immediate<\/strong>.\u00a0 You have $20 in your wallet and then you don\u2019t.\u00a0 You can\u2019t put it out of your mind.\u00a0 You can\u2019t \u201cwork it out later\u201d.\u00a0 The money is spent and gone in one motion.\u00a0 Certainly makes you think twice about that purchase.<\/strong><\/p>\n

Have you done this experiment yourself?\u00a0 Do you spend less when you\u00a0pay cash?<\/strong><\/p>\n

Thank you Ashley for the quick lesson!<\/strong><\/p>\n

Now check out the Lesson Plan #3<\/a>\u00a0to help your students learn the language of Consumer Debit and Credit, and watch a couple of videos on how and why people use credit cards.\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Credit? Debit? Cash? Do you think you spend less when you pay cash than you do when you use a credit card or debit card?\u00a0 Research says you do.\u00a0 What do you think? I love this example from Ashley the Read more…<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1837","post","type-post","status-publish","format-standard","hentry","category-financial-literacy"],"yoast_head":"\r\nFinancial Literacy from FLC: Credit and Debt | Florida Literacy Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/floridaliteracy.org\/blog\/2012\/05\/16\/financial-literacy-from-flc-credit-and-debt\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Financial Literacy from FLC: Credit and Debt | Florida Literacy Blog\" \/>\r\n<meta property=\"og:description\" content=\"Credit? 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