we use cash for everything. I may use the debit card, but its still cash. I know within 1 dollar how much the food in my cart should cost, how much my budget is and that if I over spend here, something else may do without. This is not an option. We don't have credit card debt, car payments ect. We do have regular monthly bills(gas, electric, cable, phone, taxes, insurances) but we aren't buried in debts.