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Cashless society-Do you still carry cash ?
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I dumped some $ on a ridge wallet and love it. No more back pocket, no more putting my wallet on top of my phone when sitting down... Absolutely love the thinness - a little clip for a $20 or two, and about 5 cards. Love it.
Having no $ makes it easier to say: "No, I don't have $" when I get asked for $ all the time.
Having no $ makes it easier to say: "No, I don't have $" when I get asked for $ all the time.
Well , i think we've seen during Coronavirus period how cash was banned in many places so it was a big turning point.
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Wow, yes thick wallet are ugly and make you look ugly too when they stick out. Problem is mobile phones are getting bigger too.
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Cash is legal tender, and to attempt to refuse to handle or use it, or respect it as a form of legitimate monetary exchange, serves to exclude (most unfairly) those who do not have bank accounts from being able to access certain goods, and services and stores.
Yes its unfair on many people but the vendors are saying they have a valid reason to ban it.
This is pretty much what I did as far as switching to a slim wallet. I carry an emergency 20 in my running gear, and a 20 in my slim wallet. If I'm going out with a group, I'll bring a few bigger bills, but that hasn't happened in many months now.
Not an argument that has much merit to my mind.
Special pleading is not unknown to vendors.
While current circumstances would appear to confer, bestow or somehow give a whole new meaning to the expression "filthy lucre", I have small doubt that the physical manifestation or expression of paper currency can be sanitised, and thus, rendered safe to handle with (gloved) hands, and, personally, would have no problem whatsoever with an elected government decreeing, or compelling, or obliging businesses and services and stores and vendors to accept legal tender as part of a transaction.
Can Retailers Refuse Cash? Cashless Payment Options | Canstar
Many retailers are refusing cash to try to protect against the pandemic but is that legal? Plus we explore the contactless payment options available.
Not sure in UK but in Australia the law is on their side if they refuse to accept cash. You made a good point thought because i get annoyed when i was forced to pay on card for a coffee and paper.
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Now i know where i stand with the law.
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Besides the point that the meaning of legal tender depends on the laws of a specific country, it's no longer true that you need a bank account to get a card. Prepaid cards are widely available at no cost. Apple Cash is exactly this product and is run by the largest US provider of prepaid cards (Green Dot).
Further, low-income people are more vulnerable to pickpockets, robbery, and fraud, and thus should be encouraged to use electronic payments. If I lose a wallet with $200 of cash, there's no practical influence on financial health, but for those living paycheck-to-paycheck it is a major problem.
This is one of the reasons why government benefits (welfare) are delivered by card (EBT).
The right way is to educate low-income individuals on the wide variety of prepaid cards and bank accounts, not consign them to a personal finance ghetto of cash that nobody else uses.
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Can Retailers Refuse Cash? Cashless Payment Options | Canstar
Many retailers are refusing cash to try to protect against the pandemic but is that legal? Plus we explore the contactless payment options available.www.canstar.com.au
Not sure in UK but in Australia the law is on their side if they refuse to accept cash. You made a good point thought because i get annoyed when i was forced to pay on card for a coffee and paper.
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Now i know where i stand with the law.
The only quibble, is when you have cash, and machines go down, how can you pay by card if its not working ? (e.g you do have the right amount, and do not expect change.)
Many times here in Woolworth. Terminals are gone down in Australia. or it may be of been Myer (i forget), and people had to just leave their shopping behind. If they had payed by cash, i bet things could have turned out different.
I know the future would bee seen as majority "cards" "digiital", but if you have it oon you, then that can softens the blow as well.
I would use digital cashless stuff today, but only f i always had access to it ... But thanks to being digital, you really don't know... Last night, all ATM's i went to were "out of action" and i couldn't even GET money out. except Westpac ATM one teller machine only in Dianella.
The thing that people have found is that when you have a disaster, like floods or fires or even a snowstorm, and roads are inaccessible, cash breaks down as well. The stores get stuck with big bills and no coins; this is why banks have cash services and armored cars have to make regular visits to stores.
It may be easier to restore communications and power ahead of transport and banking.
That's why paper checks are actually good in an emergency. Though you take a risk accepting them, the merchant can simply collect them and deposit once things return to normal. No need for change, power, communications or transport, and they are more secure against theft than cash.
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Yes, I make sure and have some cash squirreled away at home for emergencies. For everyday spend I can get $80 out and it will last me probably half a year because I don't use cash at all if there's an option not to.
Since I retired and do more of the day to day shopping, I only use plastic, in fact many times I leave the house with no cash at all. My plastic gives me cash back and lets me track my transaction.
A bigger change is on-line shopping. Walmart, Sam’s et al sell packaged food, paper goods, etc. and deliver to my front door. Another change is take-out. My local and favorite caterer has been providing great menus, I buy several days at a time and with large portions, I don’t need to prepare 4 days meals each week.
My goal is monitor and control spending, make it as easy as possible and spend my time with as little drudge work as possible.
A bigger change is on-line shopping. Walmart, Sam’s et al sell packaged food, paper goods, etc. and deliver to my front door. Another change is take-out. My local and favorite caterer has been providing great menus, I buy several days at a time and with large portions, I don’t need to prepare 4 days meals each week.
My goal is monitor and control spending, make it as easy as possible and spend my time with as little drudge work as possible.
Always. I have better control over my money when I use cash. When using card, it's easy to overspend.
I'd totally swipe for a Square!
I stopped carrying cash a long time ago. I'm so sick of being asked if I have extra $ that I just stopped carrying it. Very prevalent here in California.
That said, I'm very happy to see organizations that I want to give $ to start doing things like square. I'd totally swipe a square for a street musician that I liked (or Apple Pay'ed).
Girl Scouts are doing this where I live in California - same for other street vendors for the local farmer's market. I usually make sure to tip them to cover the transaction cost.
I still carry a wallet and money but I almost always use a debit card to avoid pocket change.
Cash is king but also filthy. My mother almost never touch coins, she thinks coins are the dirtiest thing we are forced to handle.
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Lets ask google if there is any phobia about this.
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Cuprolaminophobia, A Fear of Coins
Cuprolaminophobia is the fear of coins. People who suffer this phobia find coins disgusting and are often unable to handle them. If a coin is dirty, rusted or wet, this often intensifies the feelings of disgust a person with cuprolaminophobia experiences
hubpages.com
Mmmmm.... more victory to cashless transactions.
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Cash is king but also filthy. My mother almost never touch coins, she thinks coins are the dirtiest thing we are forced to handle.
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Lets ask google if there is any phobia about this.
[automerge]1593703500[/automerge]
Cuprolaminophobia, A Fear of Coins
Cuprolaminophobia is the fear of coins. People who suffer this phobia find coins disgusting and are often unable to handle them. If a coin is dirty, rusted or wet, this often intensifies the feelings of disgust a person with cuprolaminophobia experiences
Mmmmm.... more victory to cashless transactions.
In my case, it's not a phobia about coins.
I just hate carrying them (especially pennies
).
I still use cash, but nowhere near as much. I still haven't tried Apple Pay yet, been debating it for a while.
I live in Upstate NY and cash was never banned in any of the places I ever went to. I use whatever is convenient at the time. If I have cash, I use it.
As for coins, I have one of those old man coin holders and it stays in the car as I also hate carrying change.
As for coins, I have one of those old man coin holders and it stays in the car as I also hate carrying change.
Having worked and traveled in many 3rd world countries, credit card fraud can be rampant; plus cash can solve some sticky situations you may find yourself in.
I use a mix of cash and card.
It depends on where I'm shopping and how much the items cost.
I don't carry much cash.
I use Google Pay a lot.
It depends on where I'm shopping and how much the items cost.
I don't carry much cash.
I use Google Pay a lot.
Very rare that I have any cash, just a tiny minimalist wallet for a few cards and pay for everything using AMEX. Easier and get airmiles.
Prompted by this thread I went over to the little box I've on occasion stored some spare cash in to check if there was any. Turns out I've had a 50€ note just sitting there for who knows how long. Especially with the current situation cash is obviously out of the question, but even before this all started I very rarely used cash. Contactless payment with a card is just much easier and faster.
Seems I need to make a trip to the deposit machine, no idea what they are called in English.
Seems I need to make a trip to the deposit machine, no idea what they are called in English.