I've removed all my debt cards (Visa, MasterCard and my "line of credit" banking card) from my wallet. This security blanket of not-my-money-in-my-pocket now ceases to exist... or would if I didn't so easily remember the card numbers and expiry dates (and if my favourite on-line shopping places didn't keep them in record). Anyway, they're in a safe place now and I don't have to worry about them anymore. I just get to pay them off.
Of course, the "convenience card" factor is the reason why we keep them in our wallets to begin with, and I didn't realize how useful this was until yesterday when I was at the dentist. I'm so used to paying for things outright that I began to panic a little when I realized I had forgotten to bring a debt card with me. Of course, in the end, they can bill me and I can pay it when I have the money (returned to me from benefits coverage, yay) which is such an old-school way of dealing with one's expenses... but it works. Paying for things when you actually have the money surprisingly works. Huh. How 'bout that?