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Did you know that many credit cards will let you set up self-imposed spending limits? I think it's smart to have people live on a budget via cash, but it can be dangerous as well. My parents live almost exclusively on cash/debit. They destroyed their credit early in life. I grew up seeing what a boom/bust house looks like. Every two weeks our cupbards were full, then they weren't, then they were, then they weren't. Money management is SO important. Thankfully, I married the woman I did. She really changed me. For the better. We live within our means and it's a good feeling. But you're right, it requires discipline.