It was not that long ago that I remember my farming days, when I had to take a lunch break just to visit my local bank branch just to get some cash out. Lunch was an important time for a growing lad and standing in a queue at the bank wearing wellies and overalls was a real bore. So in 1982 or 83 (I think) when our little town in West Wales got it's first cash machine, it felt like just a little bit of freedom. 

Cash machines still serve an incredibly important role. If you are budgeting, I would always recommend that you use cash. So much easier to measure what you've got to spend if you collect what you need on each visit to a cashpoint machine.