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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Cash - am I out of touch?

291 replies

Anewuser · 20/04/2024 08:49

AIBU thinking I should still be able to use cash?

I accept that most places, and people, find it easier using cards but shouldn’t you still be able to use cash occasionally?

Went out for lunch the other day. The bill came to over £100 but as it was something planned, I had cash. The pub said whilst they can take cash, they don’t give change. Since when was this a thing.

At work, when people get married/have babies/leave etc, we do a collection. You always used to stick your contribution in a pot or envelope but now you have to do it online. Not everyone gives now because it’s obvious how much they’ve contributed.

AINBU, that I should still occasionally be able to use cash or AIBU cash has had its day.

OP posts:
itwasntmetho · 20/04/2024 14:46

CombatBarbie · 20/04/2024 14:35

I'm a bit concerned at the amount of people that are negative about cash, knowing the full pros and cons of a cashless society!! It's not a society I'd choose to live in that's for sure!

Me too, it's too easy to control people if you can cut off their access to their own money.
The thing with the Canadian truckers was a head turner.

godmum56 · 20/04/2024 14:45

our local posh plant nursery and adjoining cafe stopped taking cash when they reopened after covid but around 6 months ago, they started again.

shoppingshamed · 20/04/2024 14:45

Onetiredbeing · 20/04/2024 13:28

I don't know anyone who uses cash now. Who wants to faff around carrying coins and carrying exact amounts.

I find that when I ooe my purse it contains both cash and cards and my hand is equally able to take either out and put either back in

Are you not familiar with how a purse works 😀

BeretRaspberry · 20/04/2024 14:41

CombatBarbie · 20/04/2024 14:39

It may be accounted for but the PP (and many others) find card paying means going over budget because it's not physical.

I don’t disagree. But the post I quoted suggested it was easier to stick to a budget with cash. My reply was to point out that that’s not the case for everyone.

itwasntmetho · 20/04/2024 14:39

Miloandfreddy · 20/04/2024 12:18

I'd prefer to pay everything by card. Too many self employed hair dressers, make up artists etc etc only take cash. And it's so obvious it's cos they're not declaring it and claiming benefits too. And the rest of us on PAYE have to cough up regardless.

You don't know that.
I work for an accountant, we bookkeep for some cash only sole traders.
They put their self assessments in yearly.

CombatBarbie · 20/04/2024 14:39

BeretRaspberry · 20/04/2024 10:05

I find it much easier to stick to a budget with card but I use YNAB. If I have cash it just seems to disappear with no trace. Using card/YNAB means every penny is accounted for.

It may be accounted for but the PP (and many others) find card paying means going over budget because it's not physical.

CombatBarbie · 20/04/2024 14:35

I'm a bit concerned at the amount of people that are negative about cash, knowing the full pros and cons of a cashless society!! It's not a society I'd choose to live in that's for sure!

BurstingSeams · 20/04/2024 14:34

I found it really difficult last time I was in the UK. I didn't want to keep using my credit card and being charged exchange fees per transaction but nowhere took cash.

mydogisthebest · 20/04/2024 14:29

Onetiredbeing · 20/04/2024 13:28

I don't know anyone who uses cash now. Who wants to faff around carrying coins and carrying exact amounts.

Well when the card system goes down which it did in Sainsbury's not long ago it is good to have cash on you. People are far to reliant on cards and systems can and do fail

mydogisthebest · 20/04/2024 14:25

I like using cash but more and more places are not accepting it.

Me and DH went to a cafe the other day and had coffee and cake. When DH tried to pay by card the owner said he only took cash. We didn't have any cash on us and there were no signs saying this was the case.

DH had to drive to the nearest cash machine. Just wish places would be consistent

Frugalfruit · 20/04/2024 14:16

having people think your a criminal is a ridiculous answer)?

This is my sole reason for not using cash.

Carsarelife · 20/04/2024 14:13

I like cash and I think cash still definitely has its place in life. For example - birthday cards, the tooth fairy, boot sales etc.
I bet waiters/waitresses got more tips when people used cash and I remember a time when you couldn't pay by card for something less than £5 in a shop, now you can pay for any amount

ThinWomansBrain · 20/04/2024 14:10

KeinLiebeslied54321 · 20/04/2024 09:12

They can't give change?
What a cheek.
I'd vote with my feet and not return.
Card payment has it's place but so does cash.

well if they don't regularly take cash, why have a till full of change?

plumcake2924 · 20/04/2024 14:09

Drives me crazy when someone owes me money and gives it to me in cash! Just do it by bank transfer as I have to take it into the bank to deposit which is a pain!

Even at my local supermarket the self scans do not take cash, so I have to queue in the long line for a manned till if I want to use up my cash.

Coconutter24 · 20/04/2024 14:05

Frugalfruit · 20/04/2024 09:42

YANBU

I keep a sum of cash in the house for an emergency but I don't spend cash at all in shops. I think it is very important for people to keep using cash because it keeps the door open for cash use in the future but I'm scared to do it in case people think I'm a criminal. I think since covid using cash gives people the impression you are guilty of wrongdoing. I haven't used a cash machine for years and I had to get my emergency sum of cash changed at the bank because the old notes had been withdrawn.

It's arguable that I shouldn't have kept any cash in the house as there is little point. Our nearest shops close when the card systems go down so they wouldn't take cash. If there was no power shops can't scan the items or open the tills so cash would be useless then too.

I have never had a window cleaner or a cleaner but I would think most people would still pay cash for things like that.

I'm not a conspiracy theorist but abandoning cash seems like the wrong road to go down. There has already been a change in attitude to cash and I wonder how this has come about.

“I keep a sum of cash in the house for an emergency but I don't spend cash at all in shops. I think it is very important for people to keep using cash because it keeps the door open for cash use in the future but I'm scared to do it in case people think I'm a criminal.”

So you keep cash and don’t spend it at all in shops but you also think it’s very important for people to keep using it….. so if you have cash and think it’s important why don’t you spend it (having people think your a criminal is a ridiculous answer)?

I pay my window cleaner with a bank transfer

dottydodah · 20/04/2024 14:04

Sainsburys and large supermarkets/fuel stations take cash .However all the pubs/Restaurants here, will only accept Card payments . Most have a sign up stating this .However I went to a lounge type cafe, and a chap had a bag of coins! To my surprise they accepted it!

SheWasASkaterGirl · 20/04/2024 14:02

Medium sized market town near us has had the final bank branch close in the last few years. All businesses there (except for the big tesco) are now pretty much card only. Because cash needs to be paid into a bank. And sending staff on an hour round trip (drive to town with bank, pay for parking, queue in bank, walk back to car, drive back to shop) just isn't worth it.

Precipice · 20/04/2024 13:56

YANBU, OP. I use cash for everything in-person.

In my home country, there's now a law that businesses have to accept cash payments (with some exceptions, like commercial purchasers, festivals, transactions over a certain value). I think something similar should be brought in here.

After the meal is particularly egregious. While the people who try the argument that cash should be accepted because it is 'legal tender' are wrong about the meaning of legal tender, legal tender does refer to what has to be legally accepted for the satisfaction of a debt (with some limitations as to what value of coins are legal tender to what value of debt). Once you've consumed the meal, you do have a debt to the restaurant to pay.

MinervaMcGonagallsCat · 20/04/2024 13:40

Even the local big issue seller takes contactless payments.

Cash is on its way out.

HappiestSleeping · 20/04/2024 13:37

Anewuser · 20/04/2024 13:00

It wasn’t a problem since I was giving a tip anyway, but I was just surprised to hear it. Unfortunately , I’m a people pleaser so would never have the nerve to say anything like that.

Unfortunately, I think it is a glimpse into the future. There has been a step change since covid. I rarely use cash these days. Personally, I find it easier without cash, especially since I can pay with my phone. I am increasingly not even taking a wallet these days.

I think the window cleaner is the only person who still likes cash, but even he will take a bank transfer.

Onetiredbeing · 20/04/2024 13:28

I don't know anyone who uses cash now. Who wants to faff around carrying coins and carrying exact amounts.

NisekoWhistler · 20/04/2024 13:26

When doing a whip round in the office or for teachers etc I use collecriv so much easier!

TeenLifeMum · 20/04/2024 13:25

I had to get cash out for the office tea fund yesterday and that was the first time I’ve used cash in about a year.

pelotonaddiction · 20/04/2024 13:18

Caterguin · 20/04/2024 12:41

I rarely use cash, so it totally throws me when I suddenly need it. Even for collections in work etc, we just send money to someone's account.

People round by me all went nuts when a pub said it was cashless, said they'd boycott it etc. People seem to take cashless places really personally.

My work doesn't take cash and someone rang to tell me they weren't going to use us because of it

I'm on min wage mate, I'm not making the decisions and they're not likely to change it because one customer has said they won't use us
We take card, online payment and Apple Pay

FancyBiscuitsLevel · 20/04/2024 13:08

OP - if this isn’t a chain pub, they rely on their reputation. Personally I’d leave a low trip advisor review stating that they don’t advertise themselves as card only, but when you go to pay, they won’t give change, effectively making their business card only or charging more for those paying by cash. that this policy should be made clear in their website and on their menus before you order, rather than a nasty surprise that could spoil an otherwise lovely evening.

if you have a local Facebook group, put up a similar post just warning locals - they don’t advertise as card only, effectively charging more for cash as they don’t give change, unfair not to put it on their menus /website so you can decide in advance if this suits you etc.

it’s fine to have annoying policies like this, it’s not ok to wait until someone has ordered to say so.

(taking cash but no change is the most fucking annoying policy- just say you are card only )

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