Using cash instead of cards helps.
I keep my cards at home except for when I’m going to the ATM at the bank to take cash and then I keep extra cash at home and use a credit card only for online stuff.
You spend a lot less money when you actually have to take it out.
I carry a credit card if I’m traveling for emergencies or if there are places that require a card.
I have a set of Russian magazines that were over $100 before the invasion of Ukraine. I worry about them getting stuck in some random place.