I like having cash in my pocket for the sole reason that any left over change at the end of the day goes straight into my piggy bank at home and turns into savings. Living in Canada, this means that a fair amount of that change is either a $1 or $2 coin. I imagine when my huge piggy bank is full, it'll be roughly $1500 dollars. Besides that, having cash is mostly annoying given that new Canadian currency is more difficult to fold. I keep my money and cards in a rubber band in my front pocket so having money that doesn't like to be folded is not comfortable.

I'm not sure if the states has the air-swipe thing with the credit cards yet, but it's awesome.

The worst thing with my money transfer situation is that I make Canadian dollars, but have to pay back U.S. loans. This means that EVERY SINGLE MONTH, I have to go to the bank and get a money order and fill out all this stuff and mail a check to my loan provider. Cause loans have to come from a U.S. bank. It's a humongous pain in the ass. There is almost no reciprocity between the two financial systems even though we're the worlds largest traders of each other's goods