Money will stay with you if....

I think using cash would be better than debit or credit. It slows people’s spending down to see a dollar amount rather then just swiping a card easy peasy.

Ignore packages, upgrades, specials, etc on phone, internet, e-readers, tablets etc; Check the unit price, especially those so-called bulk specials, bulks are often times more expensive per unit; Don't buy new if the old will still do the job.

Must have reserve funds if at any time we are needed for unexpected expenses.

As you have said, dont spend it period.

I have a profile with a ton of them. lol. But these are all excellent points and worth adhering to and heeding. As for debit card vs. credit card, I have only one argument there. I would use a credit card that pays cash back rewards. BUT there's a huge caveat here. You cannot maintain a balance and have to pay it off each and every month so as not to incur interest. If you do this, you make money on things you would have bought anyway. Plus, credit cards traditionally offer more protections to the buyer than debit cards do.

I stock up items which I need. Where there are good deals like buy one get one free, I replenish my stock.

Look for items that you need on sale.