Addendum: ATM Fees

This is harder to track, but I’m determined to do it. ATM Fees.
I don’t like to keep cash in my wallet. $20 in my wallet feels like nothing. So easy to spend on gum, trinkets, food, manicures, etc. – small stuff that I don’t need! So I’d rather avoid the temptation by keeping my wallet on E most of the time. And yet this strategy always leaves me stranded (oh no, the parking ramp doesn’t take cards, etc.) and running to the nearest ATM which inevitably charges a $3 surcharge, plus my bank’s own surcharge. My new strategy is to keep $20 at home, so if I’m ever running out of the house and I know I will need cash I can grab it and avoid the fee. That way it’s on hand, but not in my wallet. Otherwise, hoping just tracking the total amount will shock me into managing this better.