Post # 32
We mostly use debit/credit, but I prefer cash honestly. I spend less when I have to physically hand over bills. But, it’s much less convenient, and we get our points from using credit. So, I’ve just had to learn to be very deliberate when without cash.
I normally get cash out when going out to dinner with friends for splitting/tipping, tolls (I don’t like the EZ pass thing…), and for buying little things like a coffee, gum, or whatever. The change I get go in our coin jar, then every few months I go get them traded in and that goes into our savings account. Last time I did that we had $67 bucks worth of change!!
Post # 34
I’ve heard that people spend less when they have cash, and I’m glad it works really well for you! However, I’m oddly enough the exact opposite. When I was a kid, as soon as I would get money, I would spend it (usually on candy and cheap plastic toys/junk): my dad said it was “burning a hole in my pocket” :P. Then, the summer before college, I got a bank account and debit card, and seeing how much money I ACTUALLY have in my bank account, at once, makes me not want to spend it: I oddly like watching it add up, so taking it out of my savings account and putting it in my checking is a big deal! So because of this, I almost never get cash, because I know cash=spending, while I know that with my debit card, I’ll only buy things I REALLY want or need. Weird, I know.
Post # 35
Like a PP, I guess I don’t know whether or not we’re differentiating cash from the money in my bank account/debit card.
Actual, physical, paper money…rarely. If it’s the only accepted tender, tips for my stylist (because they only allow cash or checks for tips), facials (because my lady runs her own small skincare business and prefers cash or checks), at the farmers market.
Debit card straight out of my bank account, probably 95% of the time. Rarely do I use my credit cards anymore, and I’ve almost got them paid off (paid off 2 of 4, woo :)). Mostly they’re just there now to help my credit because it really sucks.
Post # 36
I use cash for everything except for online purchases, large sums of money, and gas (because I don’t have to go into the store)
Post # 37
I do a weird thing that’s kind of the opposite of not keeping cash to curb impulse spending. I keep my random spending money, such as it is, in cash so that I can spend it and not beat myself up later for spending it on silly, unnecessary stuff instead of necessary things! So, stuff like coffee shops, small clothing purchases, goofy random pointless things- as discussed, fake, pretend, childish purchases! 😀
Post # 38
we pay as much as possible with cash – because we are on a budget, it’s easier to see when its low, and easier to say NO.
Post # 39
Cash? I’d be lucky to have a dollar on me.
Post # 40
When I was being charged to use my debit card, I got in the habit of using cash as much as possible, and only using my card when I absolutely had to. Now, I still try to have cash on me at all times, but I only use it for the small stuff.
Post # 41
Fiance always has cash and I never do. It drives him insane, but seriously – why carry more than $10 when you can just swipe your debit card anywhere?
Post # 42
Vending machines? Haha that’s about it, everybody takes plastic. And I rack up the aeroplan points!
Post # 43
- Wedding: May 2020 - establishment theatre
Im just like you, i pay for everything with cash, i dont even have a bank account, its eaiser for me to budget and i had my bank account info stolen online when i did have one….its just easier this way, besides i have a walmart loadable debit card for online purchases ect.
Post # 44
Most credit cards will give 1% back; mine gives 2% back. I only use cash if a location is cash-only and/or if the cash price is more than 2% less than the credit price–and sometimes not then (gas stations can suck it; their cash price often still is not sufficient to be worth it)
Post # 45
I only pay with cash if they don’t except cards… It’s so much more convenient carrying around a debit card than a wallet full of coins…
Post # 46
We use cash for everything. I like having cash on me plus it’s easier for me.