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I still only use cash everywhere it is possible to do so. Handing over a physical wad of cash or breaking into a £20 note is a mentally painful barrier that stops me spending any more than I have to. For me at least, handing over a piece of plastic and typing in a PIN doesn't carry the same weight yet.

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I do the same. Having to find an atm is also good at stopping me from getting money out for small spends like coffee or cake that I really don't need.

For me it's not so much that handing over cash is mentally more painful. It's just that cash is inconvenient to obtain, so if I don't have enough of it on me, I won't buy that drink in the shop when I'm only 20 minutes from home. With plastic, there's always enough money, so I don't even have to think about it.

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