A Painful Question of the Day
Nicole Dieker

I keep around $200 on me at any given time and don’t think twice about spending it (so much so that I often forget it by Monday Check-in!). I use CCs whenever possible mostly for the rewards, but also because it’s easier to track my spending.

I keep a separate checking account specifically for cash withdrawals with a bank that provides ATM fee refunds that I fill with a certain dollar amount every quarter and I spend it mindlessly. So long as I don’t spend the whole amount in three months, it’s effortless budgeting for those fun little purchases and the odd cash-only place.

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