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I have a quite simple system for my simple finances. When my cash runs out, I get around 200€ from an ATM. Then I look up when my last withdrawal was. If it was under two months, I'll be more frugal until next time. No receipts or calculations. So I only use cash and have 50€ to 150€ on me with some more at home. I'm not even sure how to use a card to buy something. :-)