And I have found that I am just he opposite. If there is cash in my wallet it is "free" money I just spend it without thinking. After all it never shows up on a downloaded credit card statement or as a transaction on my bank account that I will have to categorize and reconcile with my budget. Different people, different thinking, both causing problems. I keep a spending chart that shows everything I spend money on, including cash. It lists all the credit card transactions, but it doesn't show paying the credit cards, because that goes on Quicken to balance my checking account.Nancy
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