Cash accounted for 20% of all payments in October, up from 19% a year earlier, which marked the first increase since the diary began in 2016.

One of the factors encouraging more frequent cash use is discounts offered by small businesses, a trend that’s picked up since Visa and Mastercard hiked credit-card swipe fees for merchants in April.

A recent survey by Credit Karma found that 45% of Gen Z respondents prefer cash for everyday purchases, with 33% of those saying they feel like they have more control when they use cash, and 25% saying they don’t want to rack up debt.

Having seen the financial struggles of their older friends and family members, one in five Gen Z respondents said debt should be avoided at all costs. In fact, 64% of Gen Z consumers reported that they don’t have a credit card at all. That includes Alvizo, who exclusively pays with cash and a debit card.

“When we’re using cash, we are taking control of our money instead of it controlling us,” she said.