to be fecked off with the bank for being horrified that we use cash

[ThatVikRinA22]

im getting slightly pissed off with my bank. every week i take out X amount in (prepare to be shock/horror-ed) cash. i put it into tins and then i know exactly where its going - i save so much each week for clothes etc so when the bills come in have the cash saved up and we just go and pay it.

the last few times my DH has gone into the bank they mocked him for still using cash, comments that started vaguely annoyingly - like "do you know you can do this straight from your account" and "do you know you can do this over the internet" etc to this week the cashier said "why are you using cash - we are going to have to drag you into the computer age"

he basically has now said he isnt going into the bank again. He is sick of it - he says its every week,which means ill have to do it on my only day off and im just peed off with the bank staff for continually pressing him to not use cash. what is their fecking problem with using cash - its a bank for gods sake! what else do they do????

so - what witty retort can i use when they inevitably mock my use of cold hard cash this friday...

Sooo glad I'm out of wanking banking now!

VicarInaTuTu

I understand what you are doing, you have a budget system which works for your family.

As to what tell the cashier. I would ask her how she spends her money as she so interested in yours.

If more people used cash then we wouldn't have so much debt.

i haven't done face tio face banking in years.actually haven't written cheque in yonks

thanks y'all....really all input is helpful...im starting to see now that im a loon!

it sort of works when i dont have to go and buy gallons of wine for when im in AIBU!! lol!

But scottish mummy if you don't use cheques how do you pay for:
school dinners
after school or weekend activities
builders,plumbers, window cleaner etc etc??

ah but i have my emergency money at home.some of cash if needed.

and in my purse i keep emergency £20 always have it there.never spend it

i am a bitty of a just in case gal

gardener - cash
window cleaner - cash
nursery - DD
cleaner - cash
builder - cash
most stuff on DD

i do have cheque book just haven't used in yonks

I don't think you're a loon, just don't know how you can be bothered with all that time spent at the bank! Well I guess you send dh

You A loon Vic?Never
Thanks for the lovely welcome I feel all warm and fluffy now,
Off to hunt G and W
Try to get them down for a Group hug
Z

you must be constantly at the cash point getting out more money. Wait till you've got all the school trips etc to pay for! I'm like the queen I don't carry too much cash!

Vicar - You are not alone!!! I do this but I have envelopes instead of tins.

The main reason I do it is because I am SHIT with money and if I didn't do this, I would go on a spending spree with my debit card every pay day and get to the middle of the month with no money left. I know, I know, I am a grown up and should be more restrained, but I'm not. Debit and credit cards do not register in my brain as spending - they register as me getting free stuff. It's a disease!

I too pay a lot of stuff by direct debut but there are one or two things that I pay with cash that I have saved for.

I don't think I've ever used a cheque, and it's been years since DH last used one as well.

so maybe this is just the trait of folks who are really seriously shite with money and have finally learned something! (yes in my case!)

ive done the school trips thing pinkteddy - they come out of the "miscellaneous spends" tin! see i have a tin for everything!

(hey Zo - am REALLY pleased to see you over here! i might even invest the fiver that you have to pay to message people now! lol)
it will come out of a tin (naturally!)

anyone stuffing it in mattress? should have asked first

I see where you are coming from

When it's automatic it's too easy to let things slip past unnoticed. I would forget to update the spreadsheet or whatever. With pots of money you can't forget to update it - it's physically gone.

If they made a function on online banking which enabled you to separate the money in the bank account into several virtual "pots" I'd definitely use it. I know I could open several bank accounts with the same bank but that seems a silly way of doing it. I'm sure they could code this into their software very easily. I am also sure there is software which does this for you but without allowing it to connect to my bank and automatically update - which does not seem safe to me - again I would forget to update it.

not sure how an automatic payment is any worse to forget than a pot of money.

Last year I found £70 I'd shoved in a random pot for something - don't know what for as by the time I discovered it I'd forgotten what it was there for!

so alwayslookingforanswers - id class that as a bonus payment!

scottishmummy - that poor woman! gutting!

I can see why you'd want to do things how you do, I wasn't saying I thought you were mad for doing things how you do. I think the bank people really don't give a crap, they're not judging you, they are using sales speak to try and sign you up to internet and phone banking because it benefits their business.

It is a PITA to put up with the staff in banks always trying to get you signed up to something but it is strange to assume they are judging you and I don't think you can expect them to not try to sell you something each time you go in because that is just how they work. If you choose to go in you'll probably have to put up with all the pretend smarme that goes on there.

WHAT pay a fiver!!!!!!!!!!!
That's another bottle a wine!!!!!!!!!
Pitty you've dinged the other account or I'd have pmed me emaial add.
You could sneak back in pretend to be someoneelse pm me yours and leg it, then toast each other with the bottle of wine with the money we've saved LOL
Howzat finacial advice from a fellow Loon

good plan zo....

ill pm you from The Dark Side....who can i be? gonna have to think about a good incognito user name.....(dons dark glasses and trilby)...

THELIGHTSIDE of course

Vicar, I'm with you on this one, spent years in Spain where everyone but everyone works in cash, all very easy and your money can't vanish randomly into the ether.
We have tins too! In fact we have home tins and work tins as we are self employed, & til recently I had the co-op tins for the place where we lived too
I reckon the short answer to the bank staff is 'keeps you in work', but I bet they're being made to hassle people & talk themselves out of a job.

Been there picked it up, this plan could work.
very fetching hat

yo zo! as plans go its a gudun!

takver - im starting to suspect im a little old fashioned! but it works! i dont overspend and i know exactly where all the money has gone. so ill have to stick to the cash until i get my head around spreadsheets/personal discipline etc!
until then the bank clerks will have to put up with my cash habit.

wouldnt care but i used to work in the bank - id never have scoffed at anyone for working with real money. just peeved cos DH wont go in anymore.

VicarInaTuTu, I also do like you do, but envelopes not tins.

I can then see exactly what I have, whereas when I use the laser card I usually forget what I've spent.

For anyone on tight budget I think cash is the best way, as "virtual" money is easier to spend.

Agree with the others who said to tell the bank staff you're keeping them from being replaced by a computer.