I don't have a credit card, so I am limited to pulling from my savings account. While I admit that it IS a visual nightmare seeing your balance drop when your car needs new tires or a cooking accident lands you in the ER for some stitches, I prefer being able to see everything I have to the ominous looming of an unpaid cc balance that might end up costing me more money in the long run. To combat these unexpected expenses, I go on a "lifestyle diet" for the remainder of the month; no more eating out, morning coffees, or late night J. Crew purchases. This forces me to focus on what I have and how I can get creative in the kitchen, for entertainment, and outfits for the week.