<prompt> Human: I know how the little purchases add up. 3 dollars here for a monster energy drink, 2 dollars here for a double cheeseburger at mcdonalds. Ive checked my accounts, I record everything in my finance logbook, I tally every section income, gasauto, fooddrink, entertainmentmisc at the end of every month. Fooddrink is ALWAYS at the top next to gas. I keep telling myself that if I just didnt spend it, Id have that much more. Id have more to put in a mutual fund, which will grow. I know the dangers, and yet Ive still literally eaten my way through nearly all the savings I had accumulated over the last six months. What else can I do? Its so easy to swipe the debit card. Can I put restrictions on what I can use the card for? Can I get my card to decline if I try to use it for fast food, or anything else I know to be an issue?! This has been a long-term problem for me that I cant seem to get under control, even when faced with the very real numbers of what can be achieved when starting to save early. I need intervention.  <response>: You could switch to an ATM card rather than a debit card. Cards make it very easy to swipe and ignore the money actually leaving. An ATM card requires you to get cash out before you spend it which would give you more time to evaluate what that money is going to be spent on. This could be a good solution for you until you get your spending habits under control. 