In our group we discussed some of the intricacies here. Studies have shown that people on the average spend 30% more if using a credit or even a debit card when making their normal purchases. For many people, dolling out cash helps us spend less. However, some in the group pointed out that the debit card has helped them because when they have cash in their hand they tend to spend it here and there because you have it. So you need to have a plan and work it.
It may help to consolidate debt. Pay off higher interest rate loans first. And for heaven’s sake if you have credit card debt pay more than the minimum payment. They minimum payment is not for your benefit but for their benefit.