Use Payment Apps!
Apps include: PayPal, Apple Pay, Google Wallet
There are many advantages to having a payment app. Payment apps are easily accessible, there is a variety of different payment apps to choose from so you have a range of what will work best for you. Also, these apps include the benefit of not needing to carry a wallet around, or worry about any cards, cash, or what can really weigh you down, all that change.
There are a few disadvantages to having a payment plan. It is easily accessible to the person using it, but that also makes it easily accessible to anyone else who gets a hold of it. Payment apps can be hacked, or stolen if you lose your phone. It is important to avoid this by protecting your phone and apps with passwords, and logging out each time you use your account.