I don't have a debit card, although I have the option with various accounts.
My out-of-pocket expenses are paid with cash. I have a weekly "allowance" that covers food, gas and sundries. Operating on a cash basis provides me with a psychological discipline I find effective. Spending dollars is so much harder than signing on some dotted line.
But . . . I live alone and have no one to buy for but myself. That makes things smpler, easier to plan and organize, and requires few compromises.
