My debit card and credit card are going to stay locked up unless I have a good reason to use them, such as going to the ATM for my weekly allowance or paying a bill online. I guess they will get to travel with me, but in an envelope with a note across the seal reminding me not to use them unless there is a real emergency.
Either I'll end up planning more purposefully and making better use of the cash in my wallet, running out of money and having to say no more often, or breaking into my lockbox to increase my allowance. Obviously, I'm hoping for outcome one. If that isn't what happens, I'll have to monitor and adjust.