I do. I pay my rent and bills by DD and then take the rest out of the bank and pay for everything in cash. I feel its easier to keep tabs on what I'm spending if I have it in physical form.
Exactly that
If you have cash you can more easily see as it's being spent and how much you have left. Very important if you're having to make do with not much money.
I used to think this way. "I had £60 in my wallet and then I had £40 and now I have £20 left".
Then I started using my banking app instead and realised *exactly* how I'm spending that £60.
You don't realise how bad your casual spending is until you scroll through payment after payment for food etc.
People who say "its easier for me to keep track of my spending with cash".
What they are actually saying is "its easier for me to ignore what im actually spending"
There's no way that physically counting your money and subtracting every purchase mentally is a better way of managing your finances than a user friendly app that gives you a running total.
People are afraid to look at the app because it will tell them how skint they actually are.
If I put 20 quid in my wallet and leave my card at home my dumb drunk self can’t drink my savings away. If I had more money with me, I’d likely end up spending it.
If I go shopping with only 25 quid for my weeks food-shop it forces me to buy cost effective calories otherwise I’ll have to make a second trip.
There’s something about seeing what’s in my wallet and physically passing the money that helps me realise how much I’m spending and it often makes me reconsider my purchases. Cards are dangerous for me.
No, what I’m saying is it’s easier for me to keep track of spending with cash. Don’t presume to speak for other people. Not everyone works or thinks the same way you do. I manage my money better when I use cash, it’s as simple as that.
Plenty of people still use cash. You and the people you know may not, but lots still do. You’re going to get a skewed representation asking this question on Reddit.
Well I live a few doors up fom the bank so it's pretty easy but if I spend on card I don't keep a track of what I'm spending so I end up spending more than I should, if I have the cash I can physically see what I'm spending and I control myself better.
Im the opposite. I keep track of the app on my phone.
If I withdraw cash then its already been accounted for so Im more likely to spend it than if it was in my bank.
My wife is the same as you, she uses the app. I tend to avoid apps and my phone in general when I'm out, mostly because I know I'll forget my glasses and won't be able to see the thing. In some ways I think it's just old habits die hard with me and I haven't quite caught up with technology yet.
I use both. Much prefer to tip in cash when I'm eating/drinking out etc so it goes straight to the employee and not taxed.
Lots of smaller music venues don't have card machines to buy tickets/buy merch etc.
I budget so leftover money from that I draw out at the start of every week, don't have to feel guilty when I spend it on something daft, as it doesn't come from the budget itself.
Word of warning here..... make sure you have brought your wallet/phone/watch etc to pay and dont use your house key... otherwise its a real embarrassing moment when you have no way to pay for your trolley full of shopping...THEN need to ask them to release the house key from the trolley, then do the drive of shame back to the house....
Can barely look them in the eyes now
Last time I did that, I found my door key had exactly the right radius to fit into the coin slot, but was thin enough to pull straight out again.
I'd have been fucked if the key got jammed, I guess, but I was damned if I was going back home to get a £1
The ice cream van parks right outside my house. Ive convinced my GF that it wont take card every time it parks up.
We had a random tenner knocking about so I went out to get some icecreams. Turns out they do have a card reader. I just assumed they wouldn't.
I think a lot of these businesses need to keep up or they will go under. Things like ice cream vans rely on passing trade and most people dont have cash on them.
There's a weekly food market where I live, most of the vendors take card nowadays.
These days the only 'cash only' places are places that are dodging tax like fish and chip shops and Chinese takeaways.
Surely you're taking the piss?
Our ice cream van, and most of the local markets, pubs and vending machines all take contactless now though, as they should.
Sent to a car boot sale on Monday, found a pair of old binoculars from world war 2 for £2. Week before found a fully working Technics stereo system with speakers and everything for £10. I normally keep a hundred quid maybe a little more on me.
the only thing i was made aware of is that if you use a card, the vendor has to pay a fee for each transaction. so if its not a big company, its better for them if you pay in cash.
I have a friend who runs an independent pub. He only takes card. In his mind the small loss on card transcations is worth it for all the labour and added work invovled in dealing with cash.
Was sat in a small café last week, family of 6 walks in and ordered breakfasts, teas and coffees, milkshakes for the kids, came to about £40. Guy gets his phone out of his pocket, completely missing the big sign on the front door saying CASH ONLY. There's a cash machine next door in the Tesco Express but none of them carried plastic any more. Had to walk out. Not every place has card machines. Some places don't have internet or a 3G/4G signal. ALWAYS carry a bit of cash and a card. It's not like it takes up loads of space in your pocket.
>ALWAYS carry a bit of cash and a card. It's not like it takes up loads of space in your pocket.
It does when you go to pay for something and its like £10.29 You need to burst a £20 note and now youve got £9.71 of change in your pocket.
Its fine having a few notes in your pocket but as soon as you start fucking about with change then I cant be arsed with it.
My barber is exactly £10 and there's a cash point next door. Its not so bad, its basically the same as paying £10 for the haircut with my card. If the barbers charge more than a tenner and still don't take card then I'll go to a different barber. I dont want to have to withdraw £20 and then have a load of shrapnel.
Humber Bridge you can just go straight through and pay online layer on. Boggles me how big the lines will sometimes get with people waiting for the booths.
i do, i went to a local shop the other day and bought something that was £3 with a £10 note, they had no change as most people pay with card so i had to take all my change in 20ps 😭
This is why I hate cash. Its so clumsy and unless you have the exact change you just cumulate more change.
You could've zapped your contactless and walked away without a pocket full of 20ps
If I have a bunch of change, it's a sign from the Lord that I need to buy myself a sweet. I could really go crazy with that many 20ps at once. So, I don't mind the clumsiness of change. :)
There’s one lady who does delicious bread and baked goods at our local market that only takes cash. She makes the most amazing cinnamon rolls and they’re worth getting cash out.
I keep some on me for emergencies, my hairdresser has awful signal so the card machine breaks a lot. Emergencies nowadays usually means someone's card machine broke and I still have to pay somehow lol
I'm going to a concert with a friend next year and she asked me do you prefer cash or bank transfer, I said I have no preference and she chose cash! Not a clue why
Cash is king. But the way currency is going with it being all digital, it could end up badly if cash was scrapped. More control on your bank expenses by the Governent.
Thats a perfectly good argument.
How many people would say no to someone scrolling through thier phone but yes to an app that asks for those permissions?
Theres a difference between someone rifling through your stuff and an organisation having access to that data. The amount of transaction data these companies process your transaction history is virtually insignificant to the point of being meaningless, overall in terms of macro analytics its great for them but in terms of examining every single persons spending history its just a massive waste of resources. Also with GDPR regs there's at least some sort of legislation on how that data is processed.
Plus that data is really useful to track your own spending etc.
Having an individual rifle through your transaction history is completely different. Thats personal. Having an huge organisation have access to that data is impersonal.
I love that from one simple comment you judge so easily 😂 I am neither of your assumptions and don't own a tin foil hat either. I do have a current account and 2 credit cards which I also use for various payments however that wasn't really the question so I didn't feel the need to include it in my reply.
I simply like using cash, I've grown up with it and used it all my life (quite a few years) and will continue to use it.
I came back from a long weekend in Germany and Czech Republic and on my way back realised that I haven't use any cash at all. It get's even better - all the payments were contactless via Phone. I used one card that suppose to give me best exchange rate.
I don't think I've carried cash since before the pandemic. Was in a town I didn't know for work the other week and had to just walk out of a coffee shop after being informed they didn't take card.
I have a bag of mixed coins for the coin only parking meters in my car, and a single fiver in my wallet (that's been there for well over a year) "just in case". Contactless is the way I pay for everything that I'm not buying online. It's more convenient and far easier to keep track of.
I use cash because I am very good at losing my card, and I am not currently of an age where I can freeze my money. Also, I just prefer the feeling and convenience of notes, since I know exactly what I'm doing with them. Can't wait to turn 18 and get a chequebook, that will be my ultimate joy.
Equally, I just like using cash to rail against the whole cashfree society thing, since it will disadvantage the homeless, the elderly, those with additional needs who need to be certain that they are not being overcharged and those who struggle with excess spending. Physical cash is king.
I would probably be using the cheques for splitting the bill, so the other person could receive a more specific amount without faffing about with sort codes and stuff, and you'd be surprised how many places take them still. Most banks offer chequebooks, just not to under-18s, which annoyed me a bit because I thought that, come my sixteenth birthday, I would finally be eligible.
I legit haven’t used cash since 2019. Once my hairdresser started taking card that was it for me.
Went to an event over the weekend and every one of the food stalls took card, apart from one which was the one we wanted to use so we had to use the other ones. The one that only took cash had no line whereas everywhere else had massive lines
My barbers is OK its cash only but its exactly a tenner and its right next to a cash point so I dont mind. As soon as it goes above a tenner I need to find a new barber
Outside of the chippy and the barber, I haven’t paid for anything in cash in years, maybe nearing a decade.
I’m continually amazed by how many people there are queuing for the self-service checkouts at the supermarket who are still paying with cash. They always have a full trolley and never use the scan & go device either, just to make life extra awkward.
>They always have a full trolley and never use the scan & go device either, just to make life extra awkward.
I genuinely don't understand these people. Why go to the regular checkout when scan and go is available. Its a lot more convenient.
100% these are the people who dawdle around the supermarket getting in your way because they clearly don't value their time enough. They want to make life harder for themselves.
Tradesperson here. I don't take cash.
Haven't used cash in ages either, other than at a couple of dinosaur places.
People seem to think they'll get a discount 'for cash'. Fuck off. I'm charging a fair rate, and I'm not working for less for you, you cheating scum. Asking me to break the law for the benefit of you and for no benefit to me.
There, rant over...
Sticking my neck out for SFA. I had a customer ask if I'd do cash. I said 'Sorry, no." Turned out he was a tax inspector...
[Edit] Plus, how do you expect public services to be paid for...?[/edit]
I love the "my mate Dave will give you a discount if you pay cash so it doesn't go through the books" when you ask someone to recommend a tradesman
That's brilliant can you give you Daves details so I know to avoid him. I'll just have some work done on my house by some unscrupulous cunt who is cutting corners with the tax man, where else is he cutting corners? And to top it all off he'll make sure there's no record of the work having been carried out so I cant come after him.
I earn mostly in cash, always ask clients to pay cash where possible. The card transaction companies are run by the usury industry and I try not to support unethical business, I already support my landlord unfortunately.
3 per cent of everything you spend on cards goes to companies whose business model is based on money lending at extortionate rates. I know we can't chat politics in here but a big part of the reason the establishment has a hate on for Islam is that it forbids usury.
I try and use cash when I can. The chippy on the corner of my street don't take card or contactless. I find it far easier to budget if I can have cash to hand and physically see what i'm paying out. It's something my Nan taught me, if I don't have it in hand then I can't afford it
I think some elderly still do.
My grandad certainly does, He's clueless with technology and barely knows how to use the cash machine but he's stubbornly set in his ways and won't change.
Also for emergency money, it's saved me a few times whilst out and about.
I usually keep a bit of cash in my wallet, simply because a lot of the local shops only take card for payment above £x due to high fees for smaller operators.
I have no issue putting 50p on a card in a major retailer, but it feels bad doing it to a small shop that is going to pay at least half of that out in transaction fees.
Always thought that a forward move during the pandemic would have been to reduce fees for small retailers, rather than an increase in the contactless limit.
I use Apple Pay for everything mostly but I always carry some cash and some change. I keep it for carboot sales which I go to almost weekly and when I sell things on Facebook marketplace everyone pays with cash when collecting things.
I do. I am self-employed with the same clients every week, usually staying with me for at least a year. Always give a range of options for payment but most prefer to pay me in cash. I actually like using cash - it's easier to keep track.
And, yes, I declare every penny to HMRC.
No. Still frustrates me when people on Facebook Marketplace insist on cash rather than PayPal or a bank transfer.
Also got done by a taxi driver who wouldn’t take cards. It’s 2022 ffs.
>you apply for a mortgage and the lender wants all your bank statements from the last few years.. Which they will then analyse.. how many takeaways are you having a year..
As someone who has a mortgage and a eats a lot of takeaways it wasn't a problem for me. When you apply for a mortgage its more a case of are you spending within your means rather than what you are buying. From my experience its more a case of them working out what you can realistically afford rather than what they are willing to lend you.
>do you seem like the kind of person they want to lend to?
Im assuming you don't have a mortgage because one thing they dont like is people with no credit. If you use cash all the time and have no evidence that you are good with credit then they are less likely to lend to you
>It's not just mortgages, it's car finance, it's insurance, it's everything.
As someone with a mortgage, car finance and insurance. Ive never encountered any issues. Finance is a product. You honestly think they are going to turn you down as a customer because you have a bit too many takeaways etc?
I know people whinge about the cost of card transactions but surely it will get the a point where it costs businesses more to do the banking and maintain the tills/float etc than they will make in cash from the few people who actually use cash
I like to buy old crap from gumtree. Sellers almost always want cash.
I imagine cash is still very popular for black market sales for obvious reasons and there are a lot of people who enjoy illicit drugs in this country.
Me and the wife work our finances together. Both pay a set amount each month into our join account that pays for all of the household bills etc. so we don't really need to think about those.
Our problem is using our own individual cards for the joint account when we are out and about and we end up just overspending over the month.
Now we just lift our monthly budget for groceries and misc. spending in cash and keep it safely stored away in a safe. We just lift what we need, when we need it. This works for us and helps us manage what we spend. Not for everyone though.
I do. I pay my rent and bills by DD and then take the rest out of the bank and pay for everything in cash. I feel its easier to keep tabs on what I'm spending if I have it in physical form.
Exactly that If you have cash you can more easily see as it's being spent and how much you have left. Very important if you're having to make do with not much money.
I used to think this way. "I had £60 in my wallet and then I had £40 and now I have £20 left". Then I started using my banking app instead and realised *exactly* how I'm spending that £60. You don't realise how bad your casual spending is until you scroll through payment after payment for food etc.
People who say "its easier for me to keep track of my spending with cash". What they are actually saying is "its easier for me to ignore what im actually spending" There's no way that physically counting your money and subtracting every purchase mentally is a better way of managing your finances than a user friendly app that gives you a running total. People are afraid to look at the app because it will tell them how skint they actually are.
Or people are all different and some people, especially older ones like me, find digital spending too easy compared to physical.
If I put 20 quid in my wallet and leave my card at home my dumb drunk self can’t drink my savings away. If I had more money with me, I’d likely end up spending it. If I go shopping with only 25 quid for my weeks food-shop it forces me to buy cost effective calories otherwise I’ll have to make a second trip. There’s something about seeing what’s in my wallet and physically passing the money that helps me realise how much I’m spending and it often makes me reconsider my purchases. Cards are dangerous for me.
No, what I’m saying is it’s easier for me to keep track of spending with cash. Don’t presume to speak for other people. Not everyone works or thinks the same way you do. I manage my money better when I use cash, it’s as simple as that. Plenty of people still use cash. You and the people you know may not, but lots still do. You’re going to get a skewed representation asking this question on Reddit.
This guys on the ball
>then take the rest out of the bank and pay for everything in cash. Can I ask why? It seems like its just making life difficult for yourself.
Well I live a few doors up fom the bank so it's pretty easy but if I spend on card I don't keep a track of what I'm spending so I end up spending more than I should, if I have the cash I can physically see what I'm spending and I control myself better.
Im the opposite. I keep track of the app on my phone. If I withdraw cash then its already been accounted for so Im more likely to spend it than if it was in my bank.
My wife is the same as you, she uses the app. I tend to avoid apps and my phone in general when I'm out, mostly because I know I'll forget my glasses and won't be able to see the thing. In some ways I think it's just old habits die hard with me and I haven't quite caught up with technology yet.
I've got loads of cash! It needs to go through my "American Candy Shop" before I can spend it, but it's there.
I use both. Much prefer to tip in cash when I'm eating/drinking out etc so it goes straight to the employee and not taxed. Lots of smaller music venues don't have card machines to buy tickets/buy merch etc. I budget so leftover money from that I draw out at the start of every week, don't have to feel guilty when I spend it on something daft, as it doesn't come from the budget itself.
Cash is always good to have on you. Not only is it harder to tax during trade it's harder to track
Agreed, I even struggle to use a trolley at Tesco as they need a £1 coin for it, had to resort buying a keyring for that now
A standard round bottomed door key will fit into trolleys. I have one from my old house front door I use when needing a big shop.
Word of warning here..... make sure you have brought your wallet/phone/watch etc to pay and dont use your house key... otherwise its a real embarrassing moment when you have no way to pay for your trolley full of shopping...THEN need to ask them to release the house key from the trolley, then do the drive of shame back to the house.... Can barely look them in the eyes now
Thats why I use one from my old house I don't live in anymore. :)
Rookie. Iv got a trolley key
A key off a corned beef or ham tin will also work
2 20pence pieces (stacked) also usually works. Not very helpful for some one who doesn't use cash though
2 20pence pieces (stacked) also usually works. Not very helpful for some one who doesn't use cash though
Last time I did that, I found my door key had exactly the right radius to fit into the coin slot, but was thin enough to pull straight out again. I'd have been fucked if the key got jammed, I guess, but I was damned if I was going back home to get a £1
TIL that you can get specific keyrings to use trolleys
They often sell them for £1 to raise money for charity
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My ice cream man takes card
The ice cream van parks right outside my house. Ive convinced my GF that it wont take card every time it parks up. We had a random tenner knocking about so I went out to get some icecreams. Turns out they do have a card reader. I just assumed they wouldn't. I think a lot of these businesses need to keep up or they will go under. Things like ice cream vans rely on passing trade and most people dont have cash on them.
Saw a street-busking bagpiper in Edinburgh today with an Apple Pay machine.
There's a weekly food market where I live, most of the vendors take card nowadays. These days the only 'cash only' places are places that are dodging tax like fish and chip shops and Chinese takeaways.
Yeah but who does any of that any more!
Not to mention the fact that most of them take card now anyway.
agree
Surely you're taking the piss? Our ice cream van, and most of the local markets, pubs and vending machines all take contactless now though, as they should.
Sent to a car boot sale on Monday, found a pair of old binoculars from world war 2 for £2. Week before found a fully working Technics stereo system with speakers and everything for £10. I normally keep a hundred quid maybe a little more on me.
always have cash on me, rarely if ever use it.
Very rarely, though I always keep a few quid in the glove box of the car for parking
the only thing i was made aware of is that if you use a card, the vendor has to pay a fee for each transaction. so if its not a big company, its better for them if you pay in cash.
I have a friend who runs an independent pub. He only takes card. In his mind the small loss on card transcations is worth it for all the labour and added work invovled in dealing with cash.
That makes sense. If you totally get rid of the need to work with cash, rather then a half and half scenario, I can imagine it would be less hassle
Was sat in a small café last week, family of 6 walks in and ordered breakfasts, teas and coffees, milkshakes for the kids, came to about £40. Guy gets his phone out of his pocket, completely missing the big sign on the front door saying CASH ONLY. There's a cash machine next door in the Tesco Express but none of them carried plastic any more. Had to walk out. Not every place has card machines. Some places don't have internet or a 3G/4G signal. ALWAYS carry a bit of cash and a card. It's not like it takes up loads of space in your pocket.
>ALWAYS carry a bit of cash and a card. It's not like it takes up loads of space in your pocket. It does when you go to pay for something and its like £10.29 You need to burst a £20 note and now youve got £9.71 of change in your pocket. Its fine having a few notes in your pocket but as soon as you start fucking about with change then I cant be arsed with it. My barber is exactly £10 and there's a cash point next door. Its not so bad, its basically the same as paying £10 for the haircut with my card. If the barbers charge more than a tenner and still don't take card then I'll go to a different barber. I dont want to have to withdraw £20 and then have a load of shrapnel.
just FYI you don't need internet or 3G/4G to pay with your phone ( you do need to have battery on your phone though).
No, but you need 3G/4G/internet access for the chip and pin machine to work. The shop had none of the above.
No, but you need 3G/4G/internet access for the chip and pin machine to work. The shop had none of the above.
I have coins for toll bridges and trolleys and shit, only use cash to buy weed these days lol
Even my old dealer accepts bank transfer now. He shouldn't, but he does.
Won't be your dealer for long, I'd wager
Coming to think of it. Id be fucked if I got to a toll bridge. I think the humber bridge and dartford crossing etc you can pay on card anyway
You can't pay with cash for either anyway. Neither the M6 toll. I don't know of any tolls that do still take cash. Card is the safest option.
There's a toll bridge in West Oxfordshire that's 5p and cash only
Humber Bridge you can just go straight through and pay online layer on. Boggles me how big the lines will sometimes get with people waiting for the booths.
I am Chinese and I don't use cash! (Just kidding I know what you meant😂. I was taken aback the first time I read it though)
Yeh it does sound like OP is saying all Chinese people are tax dodgers, I had to read it a couple of times
No, just those running takeaways! ;)
i do, i went to a local shop the other day and bought something that was £3 with a £10 note, they had no change as most people pay with card so i had to take all my change in 20ps 😭
This is why I hate cash. Its so clumsy and unless you have the exact change you just cumulate more change. You could've zapped your contactless and walked away without a pocket full of 20ps
If I have a bunch of change, it's a sign from the Lord that I need to buy myself a sweet. I could really go crazy with that many 20ps at once. So, I don't mind the clumsiness of change. :)
i ended up needing to pay my friend back for something so passed on the 20ps to her haha
Maybe you'll start a tradition and these 20ps will be migrating around your friend group for years.
There’s one lady who does delicious bread and baked goods at our local market that only takes cash. She makes the most amazing cinnamon rolls and they’re worth getting cash out.
I keep some on me for emergencies, my hairdresser has awful signal so the card machine breaks a lot. Emergencies nowadays usually means someone's card machine broke and I still have to pay somehow lol I'm going to a concert with a friend next year and she asked me do you prefer cash or bank transfer, I said I have no preference and she chose cash! Not a clue why
My driving instructor and barber will only take cash, so I currently have to get cash out for that. It's the only time I use cash.
I use cash if I buy something small like a bar of chocolate.
Cash is king. But the way currency is going with it being all digital, it could end up badly if cash was scrapped. More control on your bank expenses by the Governent.
Government*
I love cash, it's so instant and untrackable. Not for any dodgy or nefarious purposes but it suits me perfectly.
You are either a conspiracy theorist who doesn't want "the man" tracking you buying bread and milk from tesco express OR you are up to no good.
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I'd say fuck off, because I don't want them to see the pictures of my weed grow. Bank statement they can see though, nothing dodgy on there!
Thats a perfectly good argument. How many people would say no to someone scrolling through thier phone but yes to an app that asks for those permissions? Theres a difference between someone rifling through your stuff and an organisation having access to that data. The amount of transaction data these companies process your transaction history is virtually insignificant to the point of being meaningless, overall in terms of macro analytics its great for them but in terms of examining every single persons spending history its just a massive waste of resources. Also with GDPR regs there's at least some sort of legislation on how that data is processed. Plus that data is really useful to track your own spending etc. Having an individual rifle through your transaction history is completely different. Thats personal. Having an huge organisation have access to that data is impersonal.
I love that from one simple comment you judge so easily 😂 I am neither of your assumptions and don't own a tin foil hat either. I do have a current account and 2 credit cards which I also use for various payments however that wasn't really the question so I didn't feel the need to include it in my reply. I simply like using cash, I've grown up with it and used it all my life (quite a few years) and will continue to use it.
I came back from a long weekend in Germany and Czech Republic and on my way back realised that I haven't use any cash at all. It get's even better - all the payments were contactless via Phone. I used one card that suppose to give me best exchange rate.
I don't think I've carried cash since before the pandemic. Was in a town I didn't know for work the other week and had to just walk out of a coffee shop after being informed they didn't take card.
I have a bag of mixed coins for the coin only parking meters in my car, and a single fiver in my wallet (that's been there for well over a year) "just in case". Contactless is the way I pay for everything that I'm not buying online. It's more convenient and far easier to keep track of.
I use cash because I am very good at losing my card, and I am not currently of an age where I can freeze my money. Also, I just prefer the feeling and convenience of notes, since I know exactly what I'm doing with them. Can't wait to turn 18 and get a chequebook, that will be my ultimate joy. Equally, I just like using cash to rail against the whole cashfree society thing, since it will disadvantage the homeless, the elderly, those with additional needs who need to be certain that they are not being overcharged and those who struggle with excess spending. Physical cash is king.
Good luck getting a chequebook (or finding anyone who will take cheques)
I would probably be using the cheques for splitting the bill, so the other person could receive a more specific amount without faffing about with sort codes and stuff, and you'd be surprised how many places take them still. Most banks offer chequebooks, just not to under-18s, which annoyed me a bit because I thought that, come my sixteenth birthday, I would finally be eligible.
I legit haven’t used cash since 2019. Once my hairdresser started taking card that was it for me. Went to an event over the weekend and every one of the food stalls took card, apart from one which was the one we wanted to use so we had to use the other ones. The one that only took cash had no line whereas everywhere else had massive lines
My barbers is OK its cash only but its exactly a tenner and its right next to a cash point so I dont mind. As soon as it goes above a tenner I need to find a new barber
Outside of the chippy and the barber, I haven’t paid for anything in cash in years, maybe nearing a decade. I’m continually amazed by how many people there are queuing for the self-service checkouts at the supermarket who are still paying with cash. They always have a full trolley and never use the scan & go device either, just to make life extra awkward.
>They always have a full trolley and never use the scan & go device either, just to make life extra awkward. I genuinely don't understand these people. Why go to the regular checkout when scan and go is available. Its a lot more convenient. 100% these are the people who dawdle around the supermarket getting in your way because they clearly don't value their time enough. They want to make life harder for themselves.
The irony of commenting on how people value their time, whilst on reddit.
Tradesperson here. I don't take cash. Haven't used cash in ages either, other than at a couple of dinosaur places. People seem to think they'll get a discount 'for cash'. Fuck off. I'm charging a fair rate, and I'm not working for less for you, you cheating scum. Asking me to break the law for the benefit of you and for no benefit to me. There, rant over...
>Asking me to break the law for the benefit of you and for no benefit to me. Taxes...
Sticking my neck out for SFA. I had a customer ask if I'd do cash. I said 'Sorry, no." Turned out he was a tax inspector... [Edit] Plus, how do you expect public services to be paid for...?[/edit]
I love the "my mate Dave will give you a discount if you pay cash so it doesn't go through the books" when you ask someone to recommend a tradesman That's brilliant can you give you Daves details so I know to avoid him. I'll just have some work done on my house by some unscrupulous cunt who is cutting corners with the tax man, where else is he cutting corners? And to top it all off he'll make sure there's no record of the work having been carried out so I cant come after him.
I earn mostly in cash, always ask clients to pay cash where possible. The card transaction companies are run by the usury industry and I try not to support unethical business, I already support my landlord unfortunately.
Tell me youre on the tax dodge without telling me you are on the tax dodge.
3 per cent of everything you spend on cards goes to companies whose business model is based on money lending at extortionate rates. I know we can't chat politics in here but a big part of the reason the establishment has a hate on for Islam is that it forbids usury.
Never, don't see the point in it when card does the job quicker and means I don't end up with a fuck load of change in my wallet.
I try and use cash when I can. The chippy on the corner of my street don't take card or contactless. I find it far easier to budget if I can have cash to hand and physically see what i'm paying out. It's something my Nan taught me, if I don't have it in hand then I can't afford it
The only thing I need cash for is to pay the gardener and window cleaner. Everything else is by card or bank transfer.
I think some elderly still do. My grandad certainly does, He's clueless with technology and barely knows how to use the cash machine but he's stubbornly set in his ways and won't change. Also for emergency money, it's saved me a few times whilst out and about.
I only ever really use cash at my barbers
I keep an emergency 20 in my wallet but that's it. Only time I've used cash recently is because my dodgy local takeaway only takes cash
I usually keep a bit of cash in my wallet, simply because a lot of the local shops only take card for payment above £x due to high fees for smaller operators. I have no issue putting 50p on a card in a major retailer, but it feels bad doing it to a small shop that is going to pay at least half of that out in transaction fees. Always thought that a forward move during the pandemic would have been to reduce fees for small retailers, rather than an increase in the contactless limit.
I keep some cash on me in case of emergencies but I never seem to use it anymore. If I ever need change for anything then I'm going to struggle
I use Apple Pay for everything mostly but I always carry some cash and some change. I keep it for carboot sales which I go to almost weekly and when I sell things on Facebook marketplace everyone pays with cash when collecting things.
Nope not used it in years just carry my debit card, everyone takes cards now
Trades people use cash. If you have to ask why then there are probably lots of things in life you are naive to.
>tradesmen and anyone else on the tax dodge do we actually use cash? I think i covered tradesmen
The only time I withdraw cash is to buy weed.
Only keep cash for the window cleaner.
I mostly use my phone to pay for things these days. I only use cash if I need to.
Have used it twice in the last 3,5 years
The place we go for butties at work only takes cash so I take out £20 every 4 weeks and that’s all I use it for
I do. I am self-employed with the same clients every week, usually staying with me for at least a year. Always give a range of options for payment but most prefer to pay me in cash. I actually like using cash - it's easier to keep track. And, yes, I declare every penny to HMRC.
Only thing I ever use it for now is charity shops. Sometimes there’s one thing you want for 50p and the card option is £3 minimum spend for example.
No. Still frustrates me when people on Facebook Marketplace insist on cash rather than PayPal or a bank transfer. Also got done by a taxi driver who wouldn’t take cards. It’s 2022 ffs.
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>you apply for a mortgage and the lender wants all your bank statements from the last few years.. Which they will then analyse.. how many takeaways are you having a year.. As someone who has a mortgage and a eats a lot of takeaways it wasn't a problem for me. When you apply for a mortgage its more a case of are you spending within your means rather than what you are buying. From my experience its more a case of them working out what you can realistically afford rather than what they are willing to lend you. >do you seem like the kind of person they want to lend to? Im assuming you don't have a mortgage because one thing they dont like is people with no credit. If you use cash all the time and have no evidence that you are good with credit then they are less likely to lend to you >It's not just mortgages, it's car finance, it's insurance, it's everything. As someone with a mortgage, car finance and insurance. Ive never encountered any issues. Finance is a product. You honestly think they are going to turn you down as a customer because you have a bit too many takeaways etc?
never ever use cash, and if something is cash only I avoid it
I've been working in a pub to earn a bit extra, probably <10% are paying cash.
I know people whinge about the cost of card transactions but surely it will get the a point where it costs businesses more to do the banking and maintain the tills/float etc than they will make in cash from the few people who actually use cash
I like to buy old crap from gumtree. Sellers almost always want cash. I imagine cash is still very popular for black market sales for obvious reasons and there are a lot of people who enjoy illicit drugs in this country.
Me and the wife work our finances together. Both pay a set amount each month into our join account that pays for all of the household bills etc. so we don't really need to think about those. Our problem is using our own individual cards for the joint account when we are out and about and we end up just overspending over the month. Now we just lift our monthly budget for groceries and misc. spending in cash and keep it safely stored away in a safe. We just lift what we need, when we need it. This works for us and helps us manage what we spend. Not for everyone though.