Most of the time I have no cash or like 10 or 20 euro which I leave at home cause I don't want to carry a wallet and the cards are in my phone with duct tape. But when I will have no money at the end of the month, they automatically always take 130 off for internet and phone payments around that time, then one day before I quickly pull cash out of the wall for the last week, cause if it's negative I can't get money.