What is your preferred payment method when shopping at physical stores?
In Japan I exclusively use cash because it is a pretty cash based culture (with the exception of sometimes using my IC Suica Transport Card when I am low on cash). Back in Australia I always would rather use my card so I don't have to carry around too much cash and I can better track exactly where my money was being spent. It is more difficult to budget in cash in my experience as I tend to spend money more recklessly when it isn't tracked.
In Japan I exclusively use cash because it is a pretty cash based culture (with the exception of sometimes using my IC Suica Transport Card when I am low on cash). Back in Australia I always would rather use my card so I don't have to carry around too much cash and I can better track exactly where my money was being spent. It is more difficult to budget in cash in my experience as I tend to spend money more recklessly when it isn't tracked.