Cashless society

planteria

i am almost cashless. the only time i withdraw cash is if i'm on the way to certain pubs, and even then i tend to be getting cashback with a debit/creditcard purchase.

jimjames

planteria wrote: »

i am almost cashless. the only time i withdraw cash is if i'm on the way to certain pubs, and even then i tend to be getting cashback with a debit/creditcard purchase.

Same here. I was thinking yesterday when I'd last gone to a cash machine and then saw this post.

Almost all my spending is either on credit card for larger amounts or contactless for smaller. Items I would previously have paid by cash are now contactless and very few are cash. It's probably about 6 weeks since I drew cash out.

Murphybear

No_6 wrote: »

Never have cash on me, always use a 0% purchase card, for all
purchases.
The money is available but like the perks from spending
on different cards.
They give me money to use their cards and I only pay the minimum each month and I get points or cash back.

Min payments covered by DD's and have the money to pay off when 0% deal finishes

My favourite cafe doesn't take plastic, helps keep prices down. Nor do the market stalls or fish van. In fact there's lots of small businesses that only take cash. Of course, if you only ever buy the rubbish that supermarkets sell ...

callum9999

anoncol wrote: »

Paranoid. The banks don't give a toss what you spend money on. Who cares even if they did and it still why?

My bank seems to as I get notifications on my statement when I, for example, shop at Asda but the bank has a cashback deal with Morrisons at the time.

Granted I've opted in to that, but I have no idea (nor do I care) what the bank does with that data.

molerat wrote: »

There are still people that have little access to technology. In the area they live and work there is no mobile signal and they cannot get internet over land line. Until someone in government takes these areas seriously there will still be a need for doing things the old fashioned way.

If they can't get internet through their landline then the government will give them a free satellite dish and pay the first years broadband subscription for you. How on Earth is that not "taking it seriously"?

planteria

Murphybear wrote: »

My favourite cafe doesn't take plastic, helps keep prices down. Nor do the market stalls or fish van...

actually yes, i'm similar in both respects. there is a cafe i go to when i am in North London which is cash only, and sometimes on a saturday we buy fish and meat and duck eggs from the market with cash:) quite enjoy the banter of that actually. quite often it is winnings from friday night gambling that are being spent on cod, hake, monkfish, oxtail or conch:D so i still don't draw cash from the cashpoint very often.

molerat

jimjames wrote: »

Same here. I was thinking yesterday when I'd last gone to a cash machine and then saw this post.

Almost all my spending is either on credit card for larger amounts or contactless for smaller. Items I would previously have paid by cash are now contactless and very few are cash. It's probably about 6 weeks since I drew cash out.

I always use plastic and only get cash out with my TSB card to re-activate the contactless.

Murphybear wrote: »

My favourite cafe doesn't take plastic, helps keep prices down. Nor do the market stalls or fish van. In fact there's lots of small businesses that only take cash. Of course, if you only ever buy the rubbish that supermarkets sell ...

My favourite cafe has just gone contactless, yippee 5% cashback

securityguy

Murphybear wrote: »

My favourite cafe doesn't take plastic, helps keep prices down. Nor do the market stalls or fish van. In fact there's lots of small businesses that only take cash. Of course, if you only ever buy the rubbish that supermarkets sell ...

It helps keep prices down because with a lot of cash around, they can pay suppliers and staff in cash and avoid tax. The actual cost of handling cash in a business is quite high, but the benefits of tax evasion are, of course, higher.

If builder offered you a discount for cash, would you think "of course, he is avoiding the additional margin payable to his bank for using a bank transfer" or "he's avoiding VAT"?

securityguy

molerat wrote: »

There are still people that have little access to technology. In the area they live and work there is no mobile signal and they cannot get internet over land line. Until someone in government takes these areas seriously there will still be a need for doing things the old fashioned way.

For every one of those there are ten who think they're being alternative, whose lifestyle choices are their problem. When someone smugly says to me "of course, I don't use the Internet" my silent response is "do you want a medal?" Why do people think that makes them so special?

A neighbour was whining recently that she had to "pay extra" for aircraft tickets because she couldn't check in online, or something. Well, life's about choices.