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...

Lookingforanswers, well it's like say I have £100 coming into the bank, £70 is going on various direct debits/bills and I have £30 left which I divide up into £20 to spend on food, £5 to spend on clothes, £5 to spend on travel expenses etc (all stuff which I might buy on card) - if I get less than £100 I might not notice, or if one DD goes up and I forget to note it down, or if I accidentally overspend on clothes or food, it's harder to keep track because I don't know what money came from where. Suddenly I have got £15.23 in the account instead of the £30 I did have and I have no idea what proportions need to go where because it's all hypothetical and in my head. If it is in physical pots I can keep track easier

And I am actually very good at maths and very good with money, I'm just awfully disorganised and have a rubbish memory

Actually the guy from money savings expert recommends this as a way of budgeting. he calls it piggy bank banking but he just recommends opening lots of accounts and naming them. |It is a pain to set up but dh and I have a number of accounts now, the names include

"Emergency cash reserve" - For those unexpected emergency spends (car breaks, need a new kettle/toaster or whatever")

Household and Food shopping

clothes

Entertainment/eating out

Holiday fund

Long term savings

Bills/utilities

Christmas fund

Household maintenance

You can get cards for each account with the name of the account on it so you spend the money out of the right account

We still pay a number of direct debits like insurance payments and the morgage etc out of our joint account because that is where our salaries go into , but each month we have standing orders to pay a certain amount into each of the above accounts. Also some of the smaller miscellaneous stuff still goes out of the joint account

It really works, we are finally able to see where our money is going and are not overspending any more

I expect they are just trying to help. You're lucky they even look or speak to you. Where I used to bank they'd not even acknowledge you.

I would get your DH to say "I know I don't have to do it like this... but if I didn't I wouldn't get to see you" and then gaze at him/her for a while.

They'll soon think he's a loon and leave him be.

Or tell them that due to his massive fraud conviction he's not allowed an account ao has to pay his bills with giros. Also puts them off selling you things

lol, thats a good idea. ill try that one when im in on friday!

i think my DH just dreads going in every week now cos of the comments, and he blames me anyway - says "the wife just gives me the money and i pay it" type thing, but every week they still say something.

see if Martin Lewis thinks this is a good plan then ill stick with it - at least i know what ive got and where it all is! since doing it this way ive not gone overdrawn, which is a good thing in my book.if i get the job of my dreams i might not have to worry so much, but until that time comes id better stick with my tins!
(ive got a very big interview coming up....wish me luck!)

GOOD LUCK
Whats it for