<prompt> Human: I used to be a little kid at 15, working a little job on the side of school. I would always get paid and cash my check immediately. Then, because I have cash, Its super easy to go out and spend it on things. Its more tempting for me to spend it in cash form. Now, I have direct deposit. I learned to save money and be frugal because I had a debit card. If you find your paychecks disappearing, try direct deposit or a pay card!  <response>: Whatever trick helps you control spending. Some people think they need to put credit cards in the freezer. Responsible people have no trouble carrying cash or credit cards. Debit cards are actually less safe than credit cards and I wouldnt advise carrying one unless thats your way of making sure you dont spend money you dont have. 