Mostly debit but I try to keep a small amount of cash on me for small things like drinks and snacks whilst out or at work. However, during my last two periods of unemployment, I withdrew a certain amount of cash from my bank account at the onset of unemployment, limiting my necessary, non-bill expenses to be paid for with that stash 'o cash until I became employed again, and left what was in my bank account only for bills and dire emergencies. I am pretty good at not buying things and saving money, so luckily I've never run out of money when between jobs.