Meanwhile, wherever there is money being exchanged, you can be sure there are fraudsters waiting to take advantage of anyone who’s not aware of the risks and fully protected. A great way to keep your holiday shopping under control is to use cash instead of plastic, which also applies to a debit card. Although debit cards can help to minimize your spending, cash is still better. When you are using a card, you do not realize how much you are spending without a concrete and visual reminder. As you are shopping, you do not have this visual reminder of how much you are spending. If you have cash in your wallet, you have a good idea of how much you spend from the disappearing bills. In the event that you run short, online payday loans are an option, but one that should be carefully considered.