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> Easier to keep track of the outgoing money.

It definitely is not. How is keeping track of random cash purchases in your head easier than a computer doing it for you automatically and instantly?

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Ok, technically I don't keep track of it in my head, but in my pocket. I start with a given amount of Euros in my pocket. Each purchase reduces that amount. If I want to check my current balance I reach into my pocket and see how much money is left. Checking this against the current date gives me a rough idea if I'm over- or under-budget.

But how do you sell your purchase data for a 1% discount this way?

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