My anecdotal evidence is the opposite... I have basically used credit cards for 95% of purchases the last 5-10 years, and cash feels like 'extra' money to me now... since it doesn't show up in my tracking systems, I don't really see where it is going... I don't have to ever look at the spend again after I buy something, so it induces less guilt... I feel like I want to get rid of the cash in my wallet, because it is 'wasted' in my wallet.