If you're rich does it matter? But if it really does then I suggest maybe open a new bank account, and set up a direct debit of a certain amount each month from your account with lots of money in, into your new one, this is your allowance every month, this way you will learn to spend less money if you ONLY use your new debit card and pretty much forget about the other ones, this way you can save money. :) Hope this helps :) Good luck.