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I have noticed if I keep cash in my pocket, surprisingly I keep it longer than when I use my card which sometimes puts me in a place i dislike.
But anyway one should and must have a financial discipline. When you get paid, no matter how small or big your paycheck is, you should first pay yourself (ie. set aside a certain portion of your paycheck should go directly to your savings account); savings is the best way one can build up.
Navy I feel the same way except to me if I have cash handy it will disappear and if I have the card handy I will go negative so I personally have an issue lol but ofcourse saving even like 10 dollars a paycheck can go a long way