Mine arrived today. A friend encouraged me to get one has it has helped her budget and control discretionary spending. I desperately need help with this as am spending silly amounts on coffee, lunch and snacks. So aim is to preload it with a fixed amount that I'm allowed for personal spending and when it's gone...it's gone. I'll leave my usual debit card at home during the week. The app seems helpful too. Has anyone used it in a similar way or found it helps with budgeting?