To be sick of cashless society

[Ihatepcos]

I prefer to use cash, I always have.

I find budgeting and spending so much easier. If I am tapping away on my card I think nothing of constant £3 £6 etc being spent on things I probably wouldn't buy if I was spending cash.

More and more places simply don't take cash and it's driving me mad.

Suits us but I can see why it’s problematic for some.
I’ve never seen a shop that won’t accept cash though.

Business can choose what they accept. They can accept all, cards only, cash only. Up to business

I needed some carrots yesterday, I used cash. There is no way I would use a card to buy something for 50p.

Who commented about you not liking cash?

I love card payments but hate for the choice of cash payments disappearing.

No it's not for buying things. It's only "legal tender" in payment of a debt. Shops etc have the legal right to specify how they want to be paid when selling goods/services "over the counter".

The only time I use cash is to tip the takeaway delivery people.

Why not?

This is one issue many forget about. Closure of local branches and business branches.
At one point we had to drive like 20min to get change and deposit takings ffs

I find places like Sainsburys /Fuel stations still take cash here SC.I shop and buy fuel with cash .Online purchases,Bus or train /all good with card .I only have a debit card now .Cant spend what you dont have ! Also a good tip I read ,if you see something you like then sleep on it and see how you feel the next day!

Why not?

It's much more logical to use a crad to pay for it than using a £10 note for example.

OP - I don't use cash, haven't for quite a while, so I just carry a card holder. However, what makes me nervous is phone payments. Which I haven't yet set up. My DD's however, only use phone payments. When they go out, they only carry their phones. You are already two steps behind I am afraid.

It's not 'living in the past' - it's living where your every private transaction isn't recorded, where your whereabouts aren't recorded, where your ability to purchase things you need isn't dependent on card / phone pay systems going down (I work in a supermarket and this chaos has happened a few times this year - there are cash machines outside, but the people paying with phones/apps had to abandon their shopping).

As for 'dirty' - what nonsense!! The petrol pump you touch is 'dirty', the door handles you touch are 'dirty', just as much as cash. Dirt is everywhere - carry some fucking hand gel!

Also - if there was another pandemic and another lockdown - it could easily be set up so cards/apps wouldn't work outside say a few miles radius from your registered address.

THINK, people, THINK.

I bought a banana for 16p with my card yesterday. No handfuls of change.

Over a million people in UK have no bank account. Do we just leave them behind.

Cash is still useful for some things but I am another who had had the same note tucked into my phone for months just in case my card doesn't work on the bus.

I do think we should have cash as a back up. Recent example was when my card had a fraud attempt and thus I was cardless for a few days while it was sorted out. I have been in supermarkets when the systems have crashed and only cash is acceptable.

Cash is also essential when out in the country and wanting to buy flowers or veg from honesty boxes and also at car boot sales etc.

DH has a Monzo account to budget for smaller purchases. He only loads a small amount on it at a time (similar to getting cash out the machine) and it gives him messages / updates every time he spends unlike a conventional card so he can see exactly what he's spending.

I am mostly cashless.

I still need cash for the following situations:

• the collection at church (I can’t Gift Aid, otherwise I would standing order, but if I put cash in the collection, they can claim under the Small Gifts Scheme) and occasionally donations at places we visit
• a quid or two for the various U3A groups I attend, coffee mornings etc
• change for some of the passengers I drive for in the voluntary car scheme
• very small purchases - I still can’t bring myself to use a card for 98p.

Mostly, the cash I get from the Car scheme (once the balance is accounted for with the organisers) provides all that DH and I need between us. We withdraw £150 or £200 from the bank very occasionally - if I’ve been doing invoice jobs rather than cash jobs.

If tight budgeting was necessary (thankfully it isn’t) I would set up a second account for spending with its own card and transfer the budgeted amount onto that each week/month.

I understand OP.

I'm not anti-card and do see the benefits of cashless (for most people, not everyone). However it does make budgetting and tracking spending harder.

It is so much easier to mindlessly tap a card than to physically hand over money or say "I will take out £x for the week and once that is spent. It's spent" and actually see it.

The only way I've got around it is by having 2 accounts.
I keep my money in the account without a card. Then I transfer set amounts of money to my account with a card. Having to go on the banking app and "seeing" the money move does help to reinforce that it is real money, not some abstract concept.

No. They should be helped to get an account or some form of modern payment. Obviously.

I genuinely don't think I have used cash for several years now. Even stuff that you used to need cash for like the bus you don't any more.

THINK, people, THINK.

You seem cross and a bit patronising. I have had a think and I don't need any cash. I also don't want to handle filtyhy cash if I don't have to and there's fucking gloves at the petrol pump.

It's dreadful.

I absolutely love using card and phone to pay but have recently reverted back to cash in a bid to try and reduce the number of businesses that go totally cashless.

Cashless is a risk to many people - homeless, people with limited access to banking, people experiencing financial abuse, the vulnerable and the elderly. Totally cashless is a very bad thing.

Get new bank accounts with spending pots.

I hate using cash as I can't easily tally up my spending at the end of the month.

As for using cash, the only time I have to use cash now is for the guy who cleans my bins once a fortnight. School & milk man now take online payments & so do taxi company

Over a million people in UK have no bank account. Do we just leave them behind.
Soon someone will be along to recommend they be 'educated' into using apps. Apps which require - a smartphone (which some cannot afford), electricity on the meter to charge said phone (should be obvious given the current crisis), and mobile data (also unaffordable for many vulnerable people).

Same with those pesky DV victims.

We're a bit behind here and it is only within the last 3 years or so that we can use cards on the bus. It blew my mind! 🤣

I'm still shocked when I see people paying for the bus on their phone or watch!