Team cash for me. I prefer to use cash, because I spend less with cash.

Some will say one spends less with cash because of fees with cards (though I think most of those are gone nowadays), but really, I feel like one spends less with cash because you can see the physical money slipping away, compared to it being on a card, and just going off the total number.

I've almost got a backwards mentality - if I've withdrawn cash, it is to spend. That's why the cash has been withdrawn.

Let's say I'm 25 again, and it's a big night out. Rather than tapping my card and spending wildly, the physical cash sets my limit.