On Fri, 8 Jan 2016 09:05:45 -0500, Dave Smith
> wrote:

>On 2016-01-08 7:30 AM, wrote:
>
>>> I also know a couple of people that carry neither as a method of budget
>>> control. Hey, if it works, do it.
>>
>> I agree, I find if I have cash, I will spend it, if I have to bring
>> out a card, even though I just tap it, I hesitate
>
>
>I am lucky to be in a position where I am not on a strict budget. I take
>out a certain amount of cash each week for spending money. That pays
>for coffees, picking up fresh fruit, small items, gas for the
>motorcycle (in season),magazines, an occasional lunch out. Anything else
>is paid for by debit.
>
I have refrained from the coffee habit, can't believe what people
spend on it.