Living as rural as we do, its cashless
When I moved here 20 years ago , our wee town had a host of banks - nationwide, Santander, Barclays , Bank of Ireland, Ulster bank and I think there was another - cant mind now - we now have just the one - Danske - and they are doing yet another cull so maybe that will go
We have two hole in the walls, although there are ATMS in most local supermarkets
As a low income household, we have to watch what we spend. I dont have a clue how to do a spreadsheet or anything clever like that, but the bank supplies a great app where every penny spent is allocated to a group, so I can see to the penny what I have spent on food, clothing, bills, eating out, hairdresser, car, petrol - its all there - instantly. Minute I make any sort of transaction, even if a payment goes through in the middle of the night , I get a notification - what was spent and where. I have access to that information 24/7/365 so I find it pretty easy to keep track of spending
The only places we use that are cash only are the Chinese Takeaways - there's not one that we have gone to that will take a card. Even chip carts take cards!! And Ive heard a nail bar - the ones where you just sit and wait your turn - is cash only
Mum is 86 and likes to have cash on her - why? No idea, she doesn't use it. She taps when she shops like the rest of us, she can do bank transfers easily on her phone and she's au fait with online banking ( she prefers that to apps ) . I think she just takes cash out at the beginning of the month because that's what she's always done and maybe pays the hairdresser cash ( mine takes transfers )
We were in Krakow a while back and they are pretty much cashless , even the loos took card payment