[pitterpatter]

This sorta meshes with how I tend to think of cash. I essentially consider withdrawn cash as already "spent" the moment it leaves my account. So when I do get around to spending that cash (especially on something frivolous) there's less of a hangup over it.

[bamfly]

Same—though I didn't used to do that back when 1) I had a whole lot less money, and 2) I used cash way more often.

Now, if I have cash, it's almost always because I intend to spend it, usually for some purpose or activity or over some time period. It's not going back in the bank. Any left over or if plans change, I'll just spend it on whatever. It's "already spent". If it leaves the bank account, it's gone.