There is good "in people".

[drakkie]

I see your point - i'm hugely spending on my ATM card for the most part - simply because i get free transactions - but i need to learn to carry cash. simply because more places accept it and i have a physical, tangible record of my spending.

Some friends of me got into debts this way.. My reason for carrying cash !

If I lose mine I am pretty much screwed as it carries my driver's license and ID-card ! They'd cost 100+ € to replace,which goes really hard..