When I go to the fabric store, I take cash with me. No credit card, no check book. Before, I would go there knowing that I had my check book and could write a check if I went over whatever cash I had. Now, I only take my cash, my calculator and my % off coupons. I will be retiring soon and will have to curtail the spending so I might as well start biting that bullet now so I won't be whining later:). I did one day have to run to my car and dig around the seats for some extra change and my emergency $5.00's.