There isn't much money on my PayPal account. But when I get paid from several of my online sidelines, I immediately cash-out my earnings from my PayPal account to my local bank account. That way, I can limit my online spending to a minimum. Even though I shop online from time to time, I still use my credit card (through PayPal) and not the funds that I've earned. That way, I can keep track of my expenses (since I can just look at my credit card statement). I am yet to try the Mastercard method as well as the check option. Maybe by the time I earn lots of dollars?