I find it actually better to use my ATM card than cash, because I have a receipt for every transaction, and can plug this into my excel budget spreadsheet. I can see how much I've spent and how much I have left. Cash is just too risky, someone can snatch your purse or you can lose the envelope or a million other things. Your card is replacable and you have limited or no liability if unauthorized transactions are done with your card. Cash is lost forever. I also find I spend more with cash, because say, I pull out twenty bucks to pay for a $15 bill at the grocery store, then the other $5 disappeared in something else and I'll have no real idea what it was. Even if i lose a receipt for an ATM transaction, I can always check online.
Equuskia in with Nodtveidt DD1 : DD2 :