I'm not quite sure I would tell someone starting out to out to put all their everyday expenses on a card. I think a lot of people wouldn't think of this as money already spent. I think many would see their bank account getting larger because of lack of cash spending and it would give them a false sense of security and they might be tempted to bite more than they can chew. Just a few regular bills even if it's only 2-3 hundred a month. Then as you become more comfortable maybe all your gas, then groceries....