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Released: January 03, 2006

Kansas Saves: Tame Credit Card Spending

MANHATTAN, Kan. – Shopping with a credit card can speed resolution if a product or service doesn’t live up to advertised claims, but using credit successfully typically requires self-discipline, said Carol Young, Kansas State University Research and Extension family financial management specialist.

“If paying with a credit card, shoppers may spend more than if paying with cash or a debit card,” said Young, who suggested asking yourself five questions before using your credit card:

1. Will this purchase help me meet one of my goals?

2. What do I have to give up to get it?

3. Would I buy this if I had to pay cash?

4. Would I come back tomorrow to buy this?

5. If I charge this, can I pay off this month’s bill?

To make asking such questions a habit, local and district K-State Research and Extension offices are offering credit card covers imprinted with these spending questions. The covers are part of Kansas Saves, a campaign to encourage saving and successful money management. The financial management campaign is part of a larger national effort called America Saves and sponsored by the Consumer Federation of America.

For more information, check with local or district K-State Research and Extension offices or visit Extension’s Web site:  and click on Kansas Saves.


K-State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well-being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K-State campus, Manhattan.

Story by:
Nancy Peterson
K-State Research& Extension News

Additional Information:
Carol Young is at 785-532-5773 or