I prefer to use debit cards because the money goes away quickly. I'd also prefer DH use debit cards over writing checks because he's terrible at keeping track of the checks that are still out. For our wedding, for some bizarre reason, he insisted on writing a check to our priest, rather than give him cash (we paid our servers and hall manager's tip in cash). As a result, the check cleared when there wasn't enough money in our checking account so our bank automatically transferred money from our savings, which costs us $6. When DH told me what happened, I said, "I told you it would be better to pay in cash."
Now, I'm not fond of the "I told you so," but DH has a long history of not keeping track of outstanding items in our checking account so we get dinged $6 every time the bank auto-transfers from our savings. Eventually, I will take it over again (sometime soon now that our wedding is over). I used to keep track of our joint accounts then got really busy doing EVERYTHING ELSE so I felt this was one he should be able to handle successfully since his finances, his bill-paying habits and his credit rating are better than mine. By the time this particular check cleared and, once again, we got dinged because DH couldn't be bothered to keep track of the outstanding items, all I really could say was what I said. Not nice, I know, and I didn't say it in an angry tone (said it in a tired, resigned tone). I also said he needed to cover the $6 we got dinged. I figure it's a sign I need to start tracking our accounts again soon (I just don't understand how someone who's better than me, financially, at all the other things I listed just can't keep track of the outstanding items in our checking account). I never write checks on our checking account, and I make sure with DH that we have the available funds before I pay for something using our account (unless I've just made a deposit so *I* know the money is there for sure).
Credit cards -- I'll be glad when mine are all paid off, and I can get rid of most of them. I really don't need them but have been too fond of shopping over the years (and now) so those are the bane of my existence. Fortunately, things aren't out of hand, and I regularly decline when vendors ask if I want one of their credit cards.