i know exactly what my expenses are. and i also know (more or less) how much i will spend on food and stuff. and a certain part of my salary goes directly to my savings account. as soon as my salary posts in my bank account i know (nearly) exactly how much free money i have to do some nice things with. and from that free money i use around $100 to buy some bitcoins with to store in my cold wallet. i have always been good with my money. i never had a debit card and will never signup for one. it's pure nonsense. people use it to spend money they don't have.