Is it better to use cash or credit?

BUFFALO, N.Y. (WIVB) - In these tough economic times, is it better to use cash or credit?

It's estimated the average outstanding debt for households with a credit card was more than $10,000 dollars in 2008.

Sue Braun of Buffalo said, "t seems sort of low. I think tons of households have way more than that, I'm not at that level but I could be pretty easily."

With so many people in debt, many of us are looking for ways to get out of debt without making drastic changes.

According to consumer experts something as simple as using cash instead of a credit or debit card, makes a big difference overtime.

"People did that people socked away a couple of bucks from a paycheck. They had travel accounts, vacation accounts, education and savings accounts," said Paul Atkinson, of Consumer Credit Counseling Service of Buffalo.

Generally, people we questioned concerning cash vs. credit agree, cash helps you stick to a budget plan.

"I feel it's more better than a credit card. Seems like they charge you when you use credit cards," said Lisa Walker, of Buffalo.

Leigh Abbott of Buffalo said, "I prefer using cash."

Some people don't see cash as king.

Jamel Sharp of Buffalo said, "If I have money in my pocket I spend it more. If I have it on my debit card, I'm more likely to watch what I'm spending."

Consumer expert Paul Atkinson says overall, if you're serious about saving money, create a budget and only spend what you have.

Atkinson said, "If you get in the habit of establishing a routine where you know how much you've got coming in and how much you have going out, and you live on a cash bases your life will be a whole lot simpler."

Keeping it simple is smart when it comes to money.