Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Do people tend to spend less when using cash than credit cards?
I found the study "The irrationality of payment behaviour" accidentally while searching on the term "DNB Study" instead of "D&B Study".  This study, which, when I followed the link, went to the web site dnb.nl (Dutch National Bank), instead of dnb.com (Dun & Bradstreet).  It mentions all the salient points that I hear Dave Ramsey and others mention when they talk about studies on this subject of credit vs cash.  Also, it cross references to many other studies by various researchers, banks, and universities.  Is this the "missing mythical DNB study?"  I'll let you decide.  Relevant "coincidental" points from the study: To be fair and complete, I should mention that clearly the relevant parts of this DNB study are talking about discretionary spending.  Auto-paying your mortgage with a card is clearly not going to cost you more (unless you somehow forget to pay off the card or some other silliness).