> I'm also more financially responsible when I have cash It's the opposite for me. It is much more difficult for me to keep track of cash expenses while budget

> I'm also more financially responsible when I have cash It's the opposite for me. It is much more difficult for me to keep track of cash expenses while budgeting and it is easy to forget individual transactions. So much that at this point if I ever take out cash, I consider that money spent as far as my budget is concerned.