I just sniffed out my Christmas present due to online banking.  Stinks.  Surprises are nicer than not-surprises, but as part of my faux disciplined financial management strategy I check the bank account… Christmas Presents via debit cards + Online Banking = FAIL.

What do you do about this in your household?  Should we switch to cash only?  Do you work out things like this with accomplices to make sure that it doesn’t show up on your statements?