Have you gone cashless as yet?

[which1]

Was recently looking for a new wallet.
So many places now seem to do just cardholders.

So do you still carry cash?

I guess there might be a trend for more and more card use seeing as pretty much everywhere now has a card machine and I suppose they scrapped those 2%/3% fees that sometimes used to be added on to the total cost of the transaction.
I suppose also as more purchases move online, obviously that's card only.

I'm mainly card but my local Chinese takeaway is cash only and I get the right hump that I need to withdraw cash for this .. WHY ? is this btw ? Why cash only ?
I clean too and accept bank transfers as I'm all above board

I rarely use cash but always have some for if electronic systems break down and there are a few places that still only accept cash. We used a little ferry in Cornwall recently and they only appear to accept cash.

I do use surprisingly a lot of cash.

I also think cashless only benefits the banks because of the transaction fees etc. It’s easy money for them - for nothing.

Cashless societies locks out certain chunks of the population eg those without access to easy credit, who have to manage money closely. Much easier to do that with cash in hand.

When I need to save, it’s easier if I have cash and stick to limits.

I always have cash. Pay cleaner, window cleaner, piano teacher, football subs, scouts, school fundraising, charity donations, church collection, parking. I often pay cash at swimming so I can break notes and get more coins for parking.

Oh and taxis.

I need cash for sports clubs subs, the barber who can't take card payments and parking though I can't think of anywhere else I go that demands cash. One of my teens is paid cash in hand for their Saturday job. We still need it.

I keep a small amount of cash in my purse, but mainly use cards now.

I pay the cleaner, Gardners and DSs sports clubs with cash. So need about £60 per week.

I run a small business - I am charged for each card transaction (2.75% approx) so I much prefer cash. The area I live in has very dodgy internet connection so even those businesses happy to take cards are unable to. I live 5-6 miles outside Reading so we're not talking the back of beyond here. I also belong to a hobby group and cash is far easier - not allowed debit cards, banks don't like cheques and on line banking is clumbersome. Updating the bank is also a pain - stopped being treasurer about 4 years ago and we can't get me taken off the system for love nor money.......At one point they wanted the whole committee to come along to the bank but that's another story

I always have coins for car parking and vending machines, plus very small purchases at local shops-

Trades people or my hair dresser we pay cash or cheque.

Otherwise I use contactless or card.

That's similar to my experience DPotter. I was treasurer to the parents association and Barclays wanted the head teacher to come in to the bank with me as the cheques needed 2 signatures.

Luckily the cashiers were persuaded by me telling them that the school couldn't remain open if the headteacher left the premises (totally untrue but they bought it). I also suggested that if I was planning to steal the money, I wouldn't seek £1k in a mixture of coin as it weighed 3 stone!!

I hate touching coins and the smell of them so the only cash I ever keep is in the car in case I ever need it for parking. I use my card everything even tiny purchases and tips. Saves times as well. I hate being stood behind people at a parking machine who endlessly root around for coins and painstakingly put 10p in a time...

Very nearly.

The main sticking point is the car park I use for work is cash-only pay and display. The mobile hairdresser we use as a family wants cash, and DD2 always has her hand out for a pound for a bake sale at school. I sometimes wonder if that school actually has lessons or whether it's just a cake shop in disguise.

How do those of you with kids at at school manage all the cake sales,uniform free days,world book Day,rememberence day etc.
Also for children's pocket money .DD has an allowance paid into her bank account but she needs cash as she is under 18 so her bank won't allow her to have a contactless card.
Phone apps only work and if there's a signal.Being completely cashless just gets complicated if you don't live in a city.

Mostly pay for things online or with a card in store. But the Chinese takeaway we like doesn’t take card so we get cash out for that, then there is school snack money or trip money etc it’s all in cash.

I love cash. I went through a really tough time financially around 5 years ago and since then I stockpile little bits around the house. Only a tenner and coins in various jars. I'm worried about running out which is silly because I can see whats in my bank.
However, if the card payment system goes down which it has done I know we can all eat/get petrol until it comes back up.

I like to use cash, I don't like the thought of "big brother" knowing how and where I spend my money. That's my business!

I use cash a lot, I draw out a certain amount each week and then know what I've spent. I would worry if everything was on my card about keeping track tbh.

What do cashless people do about tips in restaurants or hairdressers, paying the window cleaner, kids' pocket money, cash for school cake sales or other charity things, charity coffee mornings, coffee at the sports club or football match, casual bus fare (in a place you don't have a special card for), raffle tickets at the concert, cake stall at work? Also you would not be able to eat where I work, or even have a coffee from the machine!

AnneElliott
One of Barclays branches near me has stopped taking cash! Tried to pay in takings and they literally didn't know what to do. Stood my ground and insisted they take it.

Almost entirely - I use cash for the kids' haircuts as they don't take card, kids' bus fares (mostly for ease for them, they could use their contactless cards or mobile tickets) and a few ad hoc things at the primary school that don't get added to ParentPay. My youngest is in Y6 so that one will go next year.

I buy my own bus/train tickets on my phone, my own hairdresser takes card, the secondary school is entirely cashless and the primary school is mostly so, I pay pocket money by bank transfer to the kids' debit cards.

Handmaid's Tale aside (and lbh - if the powers that be stop our bank accounts they can just as easily declare cash worthless!) I much prefer debit card spending - it's easier for me to keep track and budget. I never carry cash "just in case" as I just fritter it away.

I only ever use cash once a week for a baby group we go to and once a month when I get my nails done.

90% of my transactions are cash. The rest are paid by DD

Much prefer cash and use it as much as possible.

Window cleaner, fetes, trips to sweet shop, ice cream vans, amusements on holidays, chip shop, tip the hairdresser, tooth fairy (not yet taking cards), teaching kids to understand tangible money rather than numbers in the air, learning to save small amounts rather than whole chunks of money, market stalls (craft stalls tends to take cards, veg stalls not so much), car boot sales, money from relatives for the kids (a bank transfer would be just not exciting isn’t the same way) I use cash a lot, and think it’s foolish to move to a society where money is invisible and can be removed very easily. Don’t get me wrong, I use my contactless etc as much as the next person, but think both are important and necessary. Often money in a child’s world is a level of freedom. Given a couple of quid to spend randomly is teaching them a lot more than just a lump sum in an account and only works for post 11 year olds anyway (ds got his first debit card at 11). Cashless transactions only work for a certain section of society. It’s also a lot harder to go bankrupt if you finance via cash then money you cannot see, speaking from experience.

Hardly ever use cash , I use Apple Pay have a Apple Watch so much easier .
It's a pain having to get cash out tbh if I forget .
In fact I can't remember last time I used cash

I use mainly cash. It keeps spending in check as I can only spend what’s in my purse. I do have debit cards but by not using them my savings are increasing nicely.