On top of that I treat them as cash, if I don't have the cash then I don't spend on the card.
I just can't figure out how some people can't hold back on spending.
Makes me wonder if those same people were handed a gun, would they start shooting random things just because they have it.
I'm actually more irresponsible with cash as opposed to cards. If I have cash on me I feel like I'm always looking for something in the amount of cash that I have to spend it on, and it's usually something dumb (food, CDs/movies that I don't really need, games on sale, etc.). If I have to pull a card out and swipe it though, then I start thinking about how my bank account balance is going down or that I'm going to end up with a bill a month from now, and that deters me...