marknotgeorge
Hol den Vorschlaghammer!
- Location
- Derby.
I tend to shy away from cash because you always have to take out more than you intend to spend. I tend to use my debit card instead.
How much cash do you carry?
- Thread starter Pale Rider
- Start date
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summerdays
Cycling in the sun
- Location
- Bristol
If anything I find the reverse is true, plastic money is much easier to spend rather than handing over a physical note.
Gert Lush
Senior Member
- Location
- Weston-super-Mare
I'd be lucky to have 20p let alone £20.
I have hundreds of receipts though, I hoard them things like nobodies business.
I have hundreds of receipts though, I hoard them things like nobodies business.
Anything between £10 and £60 in the wallet as I rarely go into town, so like to have some cash. If I am walking the dog no wallet just £30 and loose change in a box in my game bag, in case I call in the cafe on a walk. They don't like the, I will pay you next time anymore. Gets me discount if I pay first time and the dog gets a sausage.
Normally just loose change, Wednesday night is beer/curry I normally call by the atm for this as one of the pubs we goto is old school and only takes cash. I use my card for pretty much everything. If I go to a shop that has a minimum spend on card policy/charge I go elsewhere, I know the shops that do locally so avoid them.
I think this is one of those 'horses for courses' things.
Historically I used to find Actual Money melted more quickly, and that having cash around was a surefire way to end up spending it whereas paying by plastic meant that I spent less. Since the advent of internet banking and being able to check my bank accounts at the drop of a hat I find that withdrawing cash (which shows up immediately on the online statement, whereas debit card payments take a day or two to show up) is a bit more hassle but generally means I spend less - because I can always check and know right there and then how much I have left to last me to the end of the month and make a more informed choice about whether to spend what is in my purse or not. Especially towards the end of the month, when I don't want to play 'will that payment go through before the wages hit the account' roulette! I do split my banking into two separate accounts - one has a fixed amount going in and all the direct debits etc going out and I aim to generate a small surplus on it each month, which then forms a (fairly thin) cushion for particularly expensive months. The other also has a fixed amount going in and is the account I use for all my day to day purchases - on payday I predict what I expect to spend and move the rest into the "household and contingency" account. Anything left in the 'spending' account at the end of the month (although these days that tend to be about 10p!) gets transferred to the 'household' account at the next payday.
