When you use cash you literally see your money leaving your wallet. This has a psychological effect. I mean it almost hurts when you watch that money leave your hand. For those who need tough discipline, I recommend you should start putting your cash into envelopes. You have a separate envelope for each spending category. At the beginning of the week go to the ATM and withdraw your budgeted cash for the week. Then sit down and put the amounts per category into the envelopes. This only works if you don’t spend more than what is in the envelope. This really helps people learn to control their spending and stick to the proposed weekly budget.