If you pay for everything with your debit card, here's a list that might make you think twice.
#1.) When You're Shopping at a Small Business. (banks charge the store when you use a card . . . sometimes as much as 3% of your total purchase)
#2.) When You're Leaving a Tip. (sometimes the credit card tips don't get paid out to the servers until the end of the week)
#3.) Anytime You Plan to Haggle.
#4.) When You're on a Budget. (you spend less . . . because you BUY less)
#5.) When You're Buying Something You Might Have to Return.
