Of course, the bigger challenge it what I want to do is to change my habits in regard to my morning coffee, etc. A first step today, was to deposit my paycheck without withdrawing any money. I have about $20. in loose change etc. lying around, so when that’s gone I think the changes should be easier. While I could use my bank card, I’ve never been in the habit of using it for small purchases and I’m not about to start now.