<prompt> Human: As the title suggests, my wife and I get 100week each in allowance money from our budget. All of our bills, retirement, savings, etc.. are taken care of; our allowance money is strictly fun money. Anyway, were paid bi-weekly and were both salary. When we get paid, I usually withdraw 400 cash 200 for her200 for me. Thats great and all, but when we want to spend our allowance money on Amazon or somewhere else online, we have to make small adjustments like this: I want X from ___.com, so only withdraw 150 for me this paycheck. It doesnt seem like that much of a hassle, but it can get rather annoying making changes like that on a regular basis. So, my question is: what is the best method for us to switch from using cash to using individual debit cards NOT linked to our bank account? Thanks in advance!Assistant: I would just do the online shopping on a credit card better customer protection then put the cash for the purchase back into some kind of credit card bill envelope.Or have your bank set up separate chequing accounts for each of you with a separate debit card linked to only that account. So you have a his account, her account, and joint account.Human: Good idea, but we dont have, nor want, credit cards. Thanks, though!Assistant: Good idea, but we dont have, nor want, credit cards. Thanks, though!Me being nosy, why not?Human: Weve been on the whole anti-credit card thing for around 5 years now. We are pretty much set for the future when it comes to finances, so I dont see us needing credit for anything...ever. Even if we needed to finance something in the future, it wouldnt be a problem with our history and income.  <response>: I get your perspective, but I prefer having the safety layer of a credit card between my back account and a merchant. If my debit card is compromised, I could lose a lot of money and risk not getting the money back at all. If my credit card is compromised, Im not responsible for the fraudulent charges and I lose nothing. 