[Spooky23]

I used to think this way.

I've found that I spend 5-8% less on average on food, meals, etc. I'm not a spendthrift by any means, I budget and pay my bills just fine and don't have money problems.

I had a wallet stolen while travelling and lost access to my cards (except AMEX, who had it FedEx'd to my hotel by 8AM the next morning) for about a week. So I ended up using cash for about a week and I was shocked that it actually had a measurable impact.

Try it for a week -- you'll be surprised.