I use a debit card and paper checks. I have a huge goal to sell my current home and build/buy a new one before December, 2020. So I made a index card with what my debt kill amount is, how much I want to save for a larger downpayment to REMIND myself that i DO NOT need to buy anything but food and things I need to fix up the old house. Having that reminder (stuck one on my cell phone and one on my laptop) too avoid impulse buys! Wish me luck.