I do not carry cash that often, but I never buy anything under $5.00. I do not use credit cards either, quit 3 years ago. If my debit "Visa" card doesn't have money then I do not purchase anything. That is what I have WMC for and that is why I have have BOFA on my phone. All I have to do is tranfer money from his account to mine and I'm a happy camper. Or better yet just take him along for the shopping and he hands me his card.