I am a cash kind of gal - then I don't owe anyone at the end of the month - but I'm not sure about debit cards - I have never used one - I would be frantically writing it down in my checkbook - I see people all the time using them and they stuff the receipt away - I wonder if they remember to record it. We were taught in school how to write a check and balance our checking acct - I think that is a lost art too.