Cash in King. Wherever you are, cash is always accepted and is easy to use. Another reason to love using cash is that it keeps you within budget. It’s impossible to overspend when you only have a certain of money amount with you. I’m sure many of you have heard of the “envelope system” which is a method of saving money in envelopes for your everyday use within certain spending categories. I used this system when I was paying off debt and still use it now to monitor my spending. .