I used to like the concept of using cards. It was convenient. Then I started using the auto-pay option with my phone and it is so easy... But I find myself overspending and not budgeting right. I am not preferring to go back to cash. Any large purchases I make are done online so keeping money on hand for food, gas, and other things like that is not a big deal for me. Do you prefer holding/handling physical money or do you like using cards and auto-pay?