The three main reasons that I use cash and not debit/credit cards for daily purchases are…
1. I spend less when I use cash. Handing someone a fifty is much, much harder and more real than signing a credit receipt for fifty dollars.
2. Simplicity. I use an envelope system, and when I use cash I know exactly how much money I have in each account. Plus, less debit purchases mean less check-book entries to deal with and remember.
3. I want my kids to see me use cash. I want to teach them that real things cost real money. Checks, debit cards, and credit cards represent “fantasy” money to children. Cash is real!!!