Do you carry a lot of cash when you travel?

Withdraw from the ATM - Withdraw cash from the ATM when you need it
@mayka123 (10285)
India
December 29, 2008 5:04am CST
Or do you just depend on your ATM card. I travel two hours to work everyday. I very often forget to check the amount of cash that is there in my purse. This specially happens on Mondays because I am at home on Sunday and sometimes have finished all my cash. I have my ATM card in my purse always and just withdraw money from the nearest ATM when I need the cash. But sometimes I forget and if I have to suddenly spend for sometime I am in a fix. Do you always check your cash when you leave home?
14 people like this
67 responses
@korbchng (40)
• Philippines
31 Dec 08
Well I don't have any ATM or Credit Card under my belt so I definitely choose the latter. To be frank, I'm quite afraid of using credit card because of some personal issues. Well it's personal so I rather not to share it here. But I prefer to carry cash on travel. Of course, not all store outlets have a credit card reader or an ATM machine. It's a good thing to bring cash for emergency purposes.
@mayka123 (10285)
• India
2 Jan 09
I too do not use a credit card as I feel it is very unsafe. Here we too have a problem beause all stores do not have credit card reader. For that reason sometimes I have a problem because I do not regularly check my cash.
1 person likes this
@tutul0045 (2631)
• India
29 Dec 08
Hi, Well yes i do carry a lot of cash with me. I prefer cash as its hassle free. And i know what iam spending and there are no such hidden costs, which we often face while using credit cards. Actually i have to pay my workers after they finish their job everyday and thus i need to carry a good amy of cash with me to my sites (construction). Carrying ATM cards is a very good habit. But i seldom use it. Cheers, Tutul
2 people like this
@mayka123 (10285)
• India
30 Dec 08
I avoid the use of credit cards. I only use a debit card/ATM card as this gives us a control on our expenses. During weekends I make sure I have sufficient cash in my purse but during the week I am so busy with work and home that very often I have forgotton to withdraw cash for expenses. Luckily I have the ATM both near my home and near my office but in between while travelling one day I may get into trouble because I have often travelled without any cash in my purse.
• China
29 Dec 08
Before I leave home for something I will check my purse first, that is very important, because if I need some money to spend and there is not enough money for me to use, so embrassed. I take my ATM card with me too, that is for if the cash is not enough I can get the money immediately from the ATM.
2 people like this
@mayka123 (10285)
• India
30 Dec 08
During weekends I make sure I have sufficient cash in my purse but during the week I am so busy with work and home that very often I have forgotton to withdraw cash for expenses. Luckily I have the ATM both near my home and near my office but in between while travelling one day I may get into trouble because I have often travelled without any cash in my purse.
• India
31 Dec 08
I always carry my ATM card with me. But I have to seldom use it for my day to day travel. For attending job, I have not to travel much so I do not need cash for that. If for any reason, I am in short there are my colleagues to help me out. If out of office, I can borrow from someone. A small town has the advantage of knowing people. But when I go out with family, I always check the cash I have with me. For going out of town, I however, carry a small cash and for the rest use my card. Happy new year..
2 people like this
@walijo2008 (4648)
• United States
31 Dec 08
I don't hardly carry any cash with me either, my husband is always telling me I need to start carrying more money with me in case something happens I'll have some, like if I had a blowout or whatever and I needed to buy a new tire, I would have money to do it. I don't listen to him, I still don't carry much with me, I always keep my bank card with me and I use it for everything, like buying gas, and different things I may need. I just have to remember to keep enough money in it so I can use it. I don't always check my cash when I leave home, unless I think I might need to.
2 people like this
@dpk262006 (56108)
• Delhi, India
29 Dec 08
I may not be knowing, how much exact cash I am carrying in my wallet, but I do keep a broad idea about the cash, which I am carrying, specially, when going outside me home or coming to office. I normally keep substantial amount in my wallet, thinking that one never knows, when the emergency of spending money on the way can come. Besides, I also carry my ATM and credit cards with me. When I see that I can successfully use either my Debit or Credit card at an outlet, I do not spend the cash in my pocket. If I see the amount is smaller say Rs.100 to 200, I use my debit card of if I see the amount is hefty say more than one thousand, I use my credit card. I use cash only, where cards are not accepted. I find it is very eash and convenient to use Debit cards, you do not need to bother about randering the exact change to the shopkeeper. Good Post!
1 person likes this
@mayka123 (10285)
• India
19 Feb 09
I too use my debit card most of the time while shopping. Am not in favour of using a credit card. But very often I forget to withdraw cash when my purse is empty. More so because I have an ATM just five minutes away from my office and one about 5-10 minutes away from my home. This has made me more careless and sometimes in the train when a salesman brings something nice and I do not have sufficient cash to buy from himI regret not withdrawing cash.
@dpk262006 (56108)
• Delhi, India
19 Feb 09
Using Debit card is a good idea,but you should have some bucks in your wallet for emergency or when ATM does not work.
1 person likes this
@mayka123 (10285)
• India
27 Feb 09
I have got into trouble a few times because of this habit of not checking my wallet regularly. But I think it will take some time for me to learn.
• Germany
8 Mar 10
Everytime i go out of the house, i check not only Cash but also my House Keys, my Wallet, and my Handy. These are the 4 impt things for me. When i have to travel for hours, i take extra cash for whatever i might be in use of in the run of the day. I would find it inconvenient to search for atm machines not in the city i live in. And i would give 2nd doubts on the safety of using these machines specially the ones in big cities and along the road. I find it wiser to use the ones inside banks or inside protected rooms.
@mayka123 (10285)
• India
24 Oct 11
Since starting this discussion I have still not learnt to check the cash in my purse and still depend a lot on my ATM card. Luckily in my city we have ATMs in practically every street. Sometimes four or five in a row. So there is no problem finding an ATM. And besides now most shops accept the ATM card while shopping.
@bounce58 (17524)
• Canada
26 Oct 11
It is very interesting that 3 years after you started this discussion, you still have the same practice of handling cash. I guess if the network provided by banks is readily available, by having lots of ATM's nearby, then it doesn't really need to change.
1 person likes this
@balasri (26554)
• India
29 Dec 08
I just carry a little cash for the basic spending and prefer to take my cards.the first thing I do after coming back is paying the amount I have spent by swiping the card to escape from the extraordinary interest rate which may kill the joy of traveling.
1 person likes this
@mayka123 (10285)
• India
27 Feb 09
Because of the high interest rate I avoid using credit cards. I prefer the debit cards that is accepted in most places where the credit card can be used. So that makes carrying cash avoidable. But I always manage to get into trouble when I suddenly want to buy something from a place where we cannot use our cards like when travelling.
@balasri (26554)
• India
1 Mar 09
Yeah the card sure is a double edged sword.You got to know how to use it wisely.
1 person likes this
@tash01 (2032)
• Jamaica
31 Oct 11
I try to carry my cash with me,because their are a lot of theft at the ATM.they are just waiting for people to come an withdraw their money then rob them. My husband love use the ATM but i hate it especially if am alone their. and yes i always check my cash before i leave home,so that i can know the amount of money i have.Then if i don't have the amount i need then i willhave to visit the bank.
1 person likes this
@mayka123 (10285)
• India
3 Nov 11
Here there is only danger if we withdraw very large amounts from the ATM. Carrying cash everyday instead is very dangerous. I avoid carrying too much cash with me on a daily basis when I go to Office. Feel safer with my ATM card.
@bounce58 (17524)
• Canada
26 Oct 11
It is very convenient here that most stores and companies accept a debit card. So there is no need to have cash in my pocket or wallet all the time. Unless we go to really small stores where they accept cash payments only. Of course if I need cash I need to go through an ATM machine.
1 person likes this
@mayka123 (10285)
• India
27 Oct 11
Yes now debit cards are very convenient to carry but we have to only make sure that we do not loose it because it can be swiped by anyone in any shop. Yes the small shops do not accept ATM cards and for that we need to keep small cash in our purses.
• China
27 Feb 09
I do not carry a lot of cash when I travel since it is not safe to carry much money. I will calculate and predict how much moeny I need to spend for the jounrey and I will carry a little more than that amount.
1 person likes this
@mayka123 (10285)
• India
27 Feb 09
Welcome to mylot and have a great time here! It is safe to carry less cash while travelling. But sometimes it has happened to me that while travelling I have liked something expensive and could not buy it because they would not accept any card and there would be no ATM around for me to withdraw cash.
• Australia
7 Feb 09
I always check how much cash i have on me before leaving the house. Having 5 young children, it wouldn't do to have us stranded due to lack of cash. If I don't have much, then I make the first order of business a trip to the nearest atm to top up. I always try to make sure before going home again that I have at least $50 left over, if i can't manage that, then I raid the massive coin jar we have at home for emergencies and take all the $1 and $2 coins my purse can handle. As we are trying to improve our finances and savings, i am always checking my bank accounts to see what i have available at any given time. My target savings account has a minimum amount that it can have in there before i am allowed to touch the money without penalty, so I do my best to keep it above the minimum at all times. Eftpos or instore electronic atms at the registers (not sure what it is called elsewhere) are handy if i can't get to an atm, or the atm has run out of money (it does happen). You just pay for your purchases and at the same time get some cash out. It is actually a smart way to do things if you don't have a credit card.
1 person likes this
@mayka123 (10285)
• India
10 Feb 09
I double check my cash when I am taking the kids along. But everyday travel to work and back has become a routine and I very often forget to check my purse before leaving home. Here we do not have any facility where we can swipe a card and pay for purchases and get cash out at the same time.
@robert19ph (4584)
• Philippines
2 Jan 09
[i]Hello mayka123, I usually don't carry a lot of cash when I travel. My wife give me allowanced for 15 days and that's what's in my wallet. At the start, I have enough cash but near the end of the 15, I am already low on cash. The ATM card is also with my wife, but I have a credit card in case I am in need of money for emergency. I don't always checked my cash but I make sure I have smaller bills for my fare daily. I think it's just good to have enough cash in you to avoid unnecessary spending. Regards.[/i]
@mayka123 (10285)
• India
5 Jan 09
It is necessary for us to have cash with us in case of emergency but I am sometimes a bit careless and do not check the cash in my purse as we have a season ticket for travelling and therefore I do not have to spend cash for travelling everyday. But if an emergency does come up I may be in trouble some day.
@Monkeyrose (2850)
• Canada
29 Dec 08
It really depends where I travel. I generally like to buy foreign currency before I leave. This way I have it right away and it is usually cheaper. If I travel in Canada then I will just use my debit card. I sometimes bring travellers checks if I'm going somewhere for a while. I take a lot of cash but I don't want to take too much in case of robbery. I am very careful with it though. I keep it locked in my safe at the hotel. I have a little cointainer on a string that I put around my neck and under my clothing if I have to carry a large amount around with me. Normally on a day to day basis it doesn't matter. I have my debit and my credit card if I am really stuck.
1 person likes this
@mayka123 (10285)
• India
19 May 09
The debit card is indeed a blessing for us as we can use it practically everywhere and do not need to carry too much cash on us. I like the idea of you carrying your cash under your clothing. I think this is a very safe way of carrying your money around.
@ryzach (1546)
• United States
29 Dec 08
I have more cash on me when I travel than when I am at home but usually use my debit card. I feel it is safer and don't like to carry alot of cash anyway. It is definitely more convenient. It depends on where I am traveling also. If we are just going on vacation to visit family it would be only a small amount of cash. If I was going to a place like Las Vegas it would be substantially more.
@mayka123 (10285)
• India
19 Feb 09
I too use my debit card most of the time. But the card is not accepted everywhere. And then when I suddenly want to buy something I like and I cannot swipe my card there I regret not having suffecient cash with me. This has happened to me very often as I always seem to forget checking the cash on me when I leave the house.
@Sreekala (21955)
• India
29 Dec 08
Hi dear, I never carry a lot of cash while traveling. My office is not far from home so there is not much cash needed. It took only 20 mints to reach and I need only Rs. 10/-as the travel charges (including both sides). So far I never faced any problem and if I need money I will get the money from my colleagues so I am not much bothered about the same. If I go out I will make a plan and keep the money accordingly.
1 person likes this
@mayka123 (10285)
• India
12 Feb 09
My office is not near from home. But we have a monthly pass to travel by train so I do not need cash everyday. But one day a saleswoman came in the train and one of my friends like the dress that the saleswoman was selling. After selecting what she liked she realized she did not have any cash in her purse. And neither did I! At that time I realized that I do not keep a tab on the amount of cash that I have in my purse. I was not much bothered before because I always have my ATM with me. And in the office the accountant is always there to give cash. But the ATM is finally not useful everywhere!
@sivanj (1263)
• India
29 Dec 08
in this world of ATMs i feel it is unnecessary to risk ourselves by carrying cash i our hands. its always a better option to use the card. but this has a negative point. people go out with plans to buy for (say) 1000. but then on the shop the desire is to buy more. so they end up buying for 1500 or 2000 as the credit card can be used. had they carried cash they would have not been able to spend more than what amount they carry. might be they would have spent 1100 or 1200. this is practical one and is happening every where. if u have self control then card is best. also beware of cheaters who can misuse your card.
1 person likes this
@mayka123 (10285)
• India
31 Dec 08
I travel by train to work everyday and very often we have sales women coming to sell something. A couple of days back I liked some nice artificial jewellery that a woman was selling but realized I had no cash in my purse. It is at times like this that I have a problem. Otherwise with so many ATM centres around I can swipe my card anywhere and get cash. I avoid using my credit card and only depend on my debit card for expenses.
• China
14 Jan 09
Well,if you have a journey,you'd better to make sure these things clear before you leave,so you will not get in troubles by these little things,and your trip will be more happier.
1 person likes this
• United States
3 Jan 09
We usually will get some cash for tolls and such, but mainly depend on debit card.
1 person likes this
@Roseo8 (2947)
• India
30 Dec 08
Well When ever I go out I always check my purse and always keep a minumum amount of cash with me,and also my ATM card.I always do all the home shopping myself,and so I try to do my shopping and also pay my bills when I go out.Pooling a couple of tasks saves me a lot of time and travel too.....And considering the price of all commodites that we use or needsits no surprise,that I often end up with an empty purse on my way back.And then I often have to fill the petrol tank of my car too,and very often my ATM card comes in handy......
1 person likes this