That's interesting - I have the totally opposite experience. I've been using a card for most of my purchases since I was 13 years old, and I'm so used to budget

That's interesting - I have the totally opposite experience. I've been using a card for most of my purchases since I was 13 years old, and I'm so used to budgeting by analysing my internet banking transactions (previously the paper statements) that when I'm forced to get out cash to buy something, I am extremely carefree with how I spend the change. Once the transaction is there on my internet banking, it feels to me like the money is already spent - so if I have to get $50 out to pay $30 somewhere that doesn't take cash, I'll just spend the other $20 on whatever without thinking! Whereas I'm a lot more careful with the card because I know I'll see it in my transactions later.