Who still carries cash?

[Qdrop]

man, i hardly ever do.... it's all electronic payment now....even with fast food, it's check card, check card, check card.

the problem?

right now, i am fuckin starving....i have no cash on me, and the vending machines only take cash/coinage.

societal transitions are never easy....

do you make a habit of always having some cash on you, or are mostly an electronic slave, like myself?

[enree erzweglle]

Studies show that you buy something like 10-20% more when you use credit. Meaning that people tend to spend more freely when they use credit than they would if they paid with cash.

I won't buy something unless I have cash in the bank to pay for it. Then when the bill comes in, I pay it off completely. I use credit mainly for the cash-back or bonus-miles incentives.

I don't like putting some things on my credit card, so I don't.

Sometimes, I'll pay for nearly everything with cash even though my credit cards don't have a balance. I've been on a buy-it-with-cash thing recently. It's good to do that in a lot of ways, but it's obviously much harder to track spending.

[jabumbo]

the only time i have more than $20 in my wallet is becuase i am going to the back, or just went to the ATM.


i carry cash mostly so if/when i go out to eat/bar with friends. mainly for food late at night. most places won't split the check.


but normally i have maybe a 5 or 10, and a handful of 1's

[Rock]

I try to have at least $40 (in various bills) on me at all times in case of emergency. Like those sudden snack machine urges, if people are ordering in for lunch, tolls, under the table transactions, so forth and so on.

I never buy anything unless I have the money in the bank to pay for it (a few exceptions in the past).

But that all changed this month. I got my first credit card (I only had my visa check card for the past 11 years), and I've already put about $1000 on it. I'm going to pay it off, and go back to my original plan. It just doesn't sit right with me buying something that I isn't really paid off yet.

[jabumbo]

i don't have a credit card either, because i don't want to push myself into buying things i cannot afford.

the downside, is that when i went to sign up for a phone plan, verizon wanted a $450 deposit (refunded after one year) in order to sign me up. now, i could have made that payment, but i didn't want to be that much under all year long. especially recently where i've been on the lowside until i got 2 nice checks today...

but what kind of a business strategy is that to charge an insane amount just to sign up for your service?

[roosta]

for purchases like clothes, dvds, cds, etc, i use credit card mainly...

but i always try to keep cash with me, mainly for things like food and most importantly you never know when you might bump into someone and wanna go for a pint. i always have an emergency pint fund on me somewhere...

[TAL]

I always carry cash. I do have a debit card, but I hardly use it. Maybe twice a year.

[Planetary]

i carry cash, i prefer it for some reason...

[hpdrifter]

I think he's talking about using a debit card versus cash, not for bigger purchases like clothes and stuff but for everyday things like your morning coffee, gas, etc.

Q, I tried doing the all cash thing once and I found that I spent more money that way. And it was really hard to maintain. Much cleaner on my bank statement but I felt broke all the time so I went back to debit card for everything.

[cj hood]

man, i hardly ever do.... it's all electronic payment now....even with fast food, it's check card, check card, check card.

the problem?

right now, i am fuckin starving....i have no cash on me, and the vending machines only take cash/coinage.

societal transitions are never easy....

do you make a habit of always having some cash on you, or are mostly an electronic slave, like myself?


do you read every response to the multiple questions you ask per day???

[Rawr]

Me.

[Qdrop]

do you read every response to the multiple questions you ask per day???

sometimes.

[Qdrop]

I think he's talking about using a debit card versus cash, not for bigger purchases like clothes and stuff but for everyday things like your morning coffee, gas, etc.


exactly.

[Leonie]

I do.. sometimes you cant pay electronic.. so i always have some cash.

and.. it's nice to have some paper money to flap with :D :p

[Lindsey_1535]

I take out 60 bucks for the bar every few weeks and jsut live of it as much as i can till i have to use debit agian.

[Anne Lauren]

I have an illness with overdrawing my checking account. It's a serious problem...and I don't know really why either. It's a rather simple concept. How much money you use, you no longer have anymore...even if it still says you do because it hasn't cleared your account yet. But, damnit...that last part gets me everytime. I even do the "try and beat the bank" game...where I'll try and get the money into my account before all my transactions clear.

[thegoodmrbrodie!]

i tend to use cash out of fear. i can think of nothing more embarassing then going to pay for something with my card and then not have enough money in my account to cover it. plus my handwriting is so erratic that i thought that my signature might not cut it. but now we use a pin in shops and shit so that's one less thing for me to worry about. i know that i am rubbish.

[Anne Lauren]

i tend to use cash out of fear. i can think of nothing more embarassing then going to pay for something with my card and then not have enough money in my account to cover it. plus my handwriting is so erratic that i thought that my signature might not cut it. but now we use a pin in shops and shit so that's one less thing for me to worry about. i know that i am rubbish.

I've had that happen several times...it's not even embarrassing anymore. How sad is that?!

Plus, with cards, for some weird reason...I have an illness with loseing them too. And this illness especially seems to become a real problem when I'm out drinking at a bar. It's to the point that it's unusual...like I couldn't have purposely tried to lose it and done a better job. The fucker just disappears into thin air!

[skinnybutphat]

I'm not comfortable with anything less than $60 in my pocket. I also like to keep cash in my car for circumstances like yours.

[jabumbo]

yeah, i always keep a handful of loose change in the car for things like tolls and parking meters, and maybe a couple bills just in case.

[Bob]

i don't have a credit card and i don't want to get one, i use cash for pretty much everything that i can.

[DandyFop]

I always have cash, because I'm a waitress.....I haven't used my check card for a month probably.

[b-grrrlie]

I use cash now that I have some, I've used up all my credits cause I didn't have any income for couple of months and now I'm in deep shit.

[GreenEarthAl]

I didn't have much income for several years and my one girlfriend and I lived off my credit card and cashing out stocks and stuff. Now I pay for everything except business expences with cash. Take 10% of my weekly paycheck out in cash and deposit the rest to try to get out from under this useristic massive APRs that the CC companies start applying when they know they can screw you.

My mom started my credit line in my early teens and together we had perfect credit history so credit card companies keep raising and raising your limit. I've even called them and asked them not to raise my limit and then a couple years later they forget and start raising it again. BUT, as soon as all hell breaks loose and you end up with a huge debt to service, then they will lower your limit to exactly what it is you owe. And if you pay off a couple thousand dollars, they will lower your limit by a couple thousand dollars. That way, as soon as you hit some hard times and miss a payment they can pile on with over limit fees and late fees.

In this way, the GDP can be inflated on the backs of the working poor. Medical, Credit, Insurance industries are all neat magical ways to create money out of thin air and lock the working poor into their place. Why are American's content to do poorly at school and suck at math? Because it's part of the plan. They have to be in order that they not be able to figure all this shit out and keep the wealthies 10% getting wealthier.

My neighbors are arguing about money right now. They're rarely ever audible. Mostly everyone I know in real life is broke. But the print media keeps telling me the economy's doing better than ever.

GDP games. You invent the metric. You control the means of its manipulation. Then reality can be anything you want it to be.

[cerveza]

21 years old,

never wrote a check,

never swiped plastic,

ching ching

[Bob]

21 years old,

never wrote a check,

never swiped plastic,

ching ching

i use checks for big purchases (text books and such, i don't carry around $400-600 in cash), but yeah, that's pretty much me too.

i don't exactly see the point of a credit card, quite honestly, it feels like a scam to me. i'm not very well educated about finances or anything like that, but seriously, what genius came up with the idea for credit cards? it's like:

"we'll buy this thing for you, and then you can pay us back later!"

"but i have the money now"

"yeah but this is more convenient!'

"uhh"

i really don't want to get one, but it's getting harder and harder to get by without one. you can't buy shit on the internet without one (i use paypal, but that's not accepted everywhere), for example. i don't even know how the fucking things work, i don't want to know, or more appropriately, i don't want to need to know.

[Rock]

i don't carry around $400-600 in cash

and here i thought you was a baller yo.

[paulb]

I try to have some cash in my wallet, but im mostly using my debit card.

[Bob]

debit cards make sense to me, see. if it were just a way to take money directly from your bank account to various merchants, i could get behind that, but credit cards toss a middleman in there and it's just stupid

[jackrock]

I haven't used my bank card in forever, so i guess they sorta made it so i have to go there and tell them i wanna use it again, or something, i don't know. So i moslty use cash. so, me.

[Monsieur Decuts]

Total debit card freak...i could care less about having cash on me...i usually have a few ones for coffee or whatever but I can't be bothered. I like my bank statements to list every purchase.

Credit cards are shit and I would never recomend one to anyone, I haven't been screwed or misused any before..I can just see the potential.

When I moved to the US from Canada I was 24 and just got a Social Security Number. This set off flags to all the credit card companies that I must be some weirdo they can't trust. Then I sat down and talked to one of them, showed them my salary told them I was in a position where I had just moved and needed some $ to get out from under moving expenses and they THREW the money at me knowing i'd potentially rack up a few thousy in charges.
That made me really upset at them cause I thought it was sneaky.

I just lived like student for another year and paid fo everything myself...well except for two turntables, a mixer an MPC and some protools...THANKS GUITAR CENTER FINANCING!

[tracky]

I use cash. I have a card, which I'll use sometimes, but mostly i'll go to the ATM and get cash out.

Hows this tho, the other night I went to the crappy all night supermarket to get some munchies. I've got $6 in 50c coins I want to get rid of, that's 12 coins.. so i go to pay the man with my coins, very efficiently too, and the guy in line behind me starts having a whinge to the guy behind him "geez isn't it typical, i always get stuck behind these people". I didn't say anything, cause it wasn't worth it, but I wish I had turned around and said.. so you gonna pay with a card? Cause you realise that takes twice as long as cash? And would you have even complained if I used a card? No. Wanker.

[Bob]

I use cash. I have a card, which I'll use sometimes, but mostly i'll go to the ATM and get cash out.

Hows this tho, the other night I went to the crappy all night supermarket to get some munchies. I've got $6 in 50c coins I want to get rid of, that's 12 coins.. so i go to pay the man with my coins, very efficiently too, and the guy in line behind me starts having a whinge to the guy behind him "geez isn't it typical, i always get stuck behind these people". I didn't say anything, cause it wasn't worth it, but I wish I had turned around and said.. so you gonna pay with a card? Cause you realise that takes twice as long as cash? And would you have even complained if I used a card? No. Wanker.

man, i never use coins. it's terrible. if something costs 3.05, i essentially spend $4 on it, because i'll never use those coins, ever. i don't even carry nickles around to cover occasions where something costs about 5 cents over a dollar, i'll use a $20 first. i don't know why i do that, i just do. i must have a fortune built up in change by now, if only i could find it all.

[cookiepuss]

I almost never carry cash anymore. and occasionally I kick myself for not keeping at least some cash in my wallet.

[tracky]

man, i never use coins. it's terrible. if something costs 3.05, i essentially spend $4 on it, because i'll never use those coins, ever. i don't even carry nickles around to cover occasions where something costs about 5 cents over a dollar, i'll use a $20 first. i don't know why i do that, i just do. i must have a fortune built up in change by now, if only i could find it all.

oh i'm the same, i just took $120 of coins to the bank the other day :D those 50's were actually what was left over (bagged everything up into $10's so they don't charge counting fee)

[medler]

you always have to carry some cash incase you have to pay a pikey kid to look after your car when you park it and lord knows they don't accept debit or credit cards any more

also you look like a twat buying some chewing gum with a switch

[ASsman]

Me.

And rubber bands on my wrist for my wads of cash, after a good day of hustling.

[Bob]

oh i'm the same, i just took $120 of coins to the bank the other day :D those 50's were actually what was left over (bagged everything up into $10's so they don't charge counting fee)

WOW

[Tzar]

do you make a habit of always having some cash on you, or are mostly an electronic slave, like myself?
i'm an electronic slave. (y)

[Documad]

I don't have a debit card (I cut them up whenever the bank sends them). I hate writing things down and I could never trust the bank unless I did.

I charge big ticket items and groceries on my credit card that gives me miles, and I pay cash money for everything else. I ask for Starbucks and Caribou gift cards for gifts and my family complies. I love cash money.

[DandyFop]

I've found that since becoming a server and not really bringing my check card with me, that I spend less money on shit I don't need. I will bring a 20 with me or however much I am willing to spend that day, but with my check card I have access to like, 50 bucks (seriously, i have no money) more that I can spend.

[CJM]

i always try and carry paper money. i get charged for all my transactions on my bank card, so i go to the teller and get money out whenever i've spent it. at the moment i'm broke, so there's no dollars in my wallet.