[gunservative]

The reason I use debit cards is simple - I'm not disciplined enough to stay out of credit card debt.

Well.... there's this thing called cash. And another thing called checks. They're kind of old fashioned, but they work.

Use the envelope system and a budget. It worked for Dave Ramsey.

[Terabitten]

Well.... there's this thing called cash. And another thing called checks. They're kind of old fashioned, but they work.

Thanks for the sarcasm, it added a lot to the discussion.

I'm a graduate of Ramsey's Financial Peace University, but I've found that having cash on hand (even in envelopes) is a bad idea for me. The debit card works just fine. My bank, USAA, has excellent service in this area, so it's really no problem, just a minor hassle.