am i the only one that does NOT carry cash anymore?
@moonlitmagikchild (22181)
United States
January 11, 2011 1:35am CST
i refuse to carry cash and havent for years now unless i know ahead of time i will be going some where that i know wont take any other type of payment.. the funny thing is that while im selling things on craigslist i ask for cash only due to everyone scamming on there and well people dont understand me never having change on me.. sure it would make sense for me to have change for my buyers but i make sure to tell them ahead of time to have exact since i dont carry cash for change so i can avoid this problem..
the reason i dont carry cash? well it started years ago with my husband.. he would take money out and then empty his pockets out every day at a different place in the house (he swears the same place) and then he would just forget and get more out of the atm the next day.. i would see the bank account tanking and have nothing to show for it but then the next time i cleaned i would find in weird places tons of money in change mostly but in bills also.. it was driving me nuts having some one hit the atm every day to lose half that money every day some where in the house!! so as places started taking credit or debit that you can use as credit we started using debit cards only to avoid this... also my husband was robbed at gunpoint and we lost his wallet and phone and well it was so easy to cancel cards than to lose the cash..
do you live cashless too? i know some people that cash out their entire paycheck as soon as they get it and i think i would forget to pay all my bills if i did that!! although it may be annoying to buyers i think its better they know i am not carrying cash so if they had any ideas on robbing me they know they wouldnt get anything.. so am i alone on this cashless life?
3 people like this
11 responses
@soyporteno (406)
• United States
21 Jan 11
I try not to carry cash any more. It is a pain having loose change in my pockets and I notice that I tend to overspend if I use cash as opposed to using my debit card. Anymore it is getting to be a paperless society anyways.
2 people like this
@moonlitmagikchild (22181)
• United States
27 Oct 11
i dont even see why they print money and make coins especially when some of the coins cost more to make than they are worth
@schulzie (4061)
• United States
20 Jan 11
I do for the most part too nowadays. I get airline miles for using my debit card as a Visa card for purchases so I get the benefit of free air travel. Besides that when you use your debit card it is much easier to keep track of where my money goes. The other day someone was selling something outside of Walmart, it wasn't Girl Scout Cookies, but you get the idea. Anyways, I did not have any cash on me at all to buy the item. I guess it's a good thing because I didn't make an unplanned purchase.
Have a nice day and happy myLotting!!!
Have a nice day and happy myLotting!!!
@moonlitmagikchild (22181)
• United States
27 Oct 11
i used my chase card to earn points to pay for some of the things i buy lol
@SViswan (12051)
• India
12 Jan 11
You are probably not the only one...but I do carry cash with me. Not a lot but I need and prefer cash to using the card. People tend to not realize how much they are money they are using while using a card. I prefer cash because I can keep within a limit. And I'm not very comfortable using my card, though I carry it at all times.
Now that I do not work, it's my husband who is the main earning member and household expenses run on his income. He keeps a certain amount of cash at home (in the same place). This is what I generally take and use for expenses. I keep track of how much I spend...write it down in a little book everyday...return the balance to the place where my husband keeps his money.
I'm sorry your husband was robbed at gunpoint...that happens a lot in my area..especially recently. But even people who were cashless were forced to an ATM and asked to withdraw money:(
1 person likes this
@SViswan (12051)
• India
29 Oct 11
It's happened to me a couple of times...short of cash at the check out counter. It is embarrassing. But I just return a few items or ask them to hold it for me till I return with the cash. Depending on what the purchase is, I might use a card if I'm short of cash. But some places here (the smaller stores) do not accept cards.
@moonlitmagikchild (22181)
• United States
27 Oct 11
im always afraid ill just be short enough on cash that ill be embarrassed come check out time at the register
@uath13 (8192)
• United States
12 Jan 11
I don't carry cash because frankly...I don't have any. I usually use the debt card for my purchases. To get cash ( since my bank isn't really local ) I'd have to get it back as change from a purchase or pay a fee for using some other banks ATM.
1 person likes this
@moonlitmagikchild (22181)
• United States
27 Oct 11
ah well thats not too bad. i may be facing the same prob when i move outta state in the next year or two grr
@moonlitmagikchild (22181)
• United States
27 Oct 11
that sucks your bank isnt local. that must be a nightmare
@GavinKaos (272)
• United States
29 Oct 11
If I have cash in my pocket, I tend to spend it, but if I use my debit card, I think about it more then I would about spending cash. I also have a habit of showing up with money and have no idea how I got it which can be a mixed blessing. Its nice to have money, but then I have to explain to my wife how I got it. We try not to use credit cards unless its something major like medical bills that we can't afford to pay with debit, but then we try to pay it back quicker then we have to. We don't like paying interest nor being in debt.
@snbutterfly (259)
• United States
11 Jan 11
I love carrying a big wad of cash but I can't because I would spend it all. I try leaving the house with only 1 credit card and a few bucks just for emergencies. I really DO NOT want to see us go strictly into a cashless society because you can't base wealth on 1's and 0's. The green is already not worth its weight in gold.
1 person likes this
@moonlitmagikchild (22181)
• United States
11 Jan 11
i dont understand why we make pennies anymore since it costs more to make them than they are worth
@moonlitmagikchild (22181)
• United States
11 Jan 11
well i dont mean round up to the nickle but i think there are enough pennies already out there that maybe we shouldnt make a ton of them every year
@snbutterfly (259)
• United States
11 Jan 11
Imagine how much money we would lose when we automatically round up to the next nickle.
1 person likes this
@mentalward (14691)
• United States
12 Jan 11
You're not alone. I don't carry cash, either. Well, I do carry some change for the odd craving when I'm around a vending machine but never more than a couple of dollars worth of change.
My reason is the same as yours; it's easier to cancel cards than to lose cash not to mention a LOT cheaper.
@moonlitmagikchild (22181)
• United States
27 Oct 11
i wish i would carry enough for vending machines! i always forget and then im eyeballing them in the waiting room of a hospital or somewhere where im stuck for hours waiting on some one lol
@Opal26 (17679)
• United States
11 Jan 11
Hi moonlit! I still carry cash with me. I don't like to carry
too much cash, but I always have something with me in case of
emergencies. I try to stay away from the ATM because I don't
trust myself to keep my checking account straight. I don't
have a Debit Card for that reason. I do have credit cards and
have already gotten myself in trouble with them many times and
am trying to be alot more careful with them now too!
1 person likes this
@moonlitmagikchild (22181)
• United States
27 Oct 11
i think its almost impossible to have credit cards and not get into trouble at least once. even if its not your fault they are maxed. ive learned that as soon as you are debt free all EXPENSIVE hell will break loose and youll end up with credit card debt again
@puccagirl (7294)
• Israel
11 Jan 11
I do carry a little bit of cash, but really not a lot, and when I run out, I always forget to take out more.
So I would say I am without cash around half of the time... I am trying to get better at it though!
@moonlitmagikchild (22181)
• United States
27 Oct 11
my fear on only having cash is going to pay for something and being cents short and looking stupid
@tiffnkeat (1673)
• Singapore
12 Jan 11
Frankly, I don't know if not carrying cash is possible. As you mentioned, occasionally you still carry some cash. The world just isn't completely e-Cash yet. And I do not subscribe to the idea that using card is better. It is good you are using debit card, but some other use credit cards. The problem is that if you use credit card, you may not know how much you are clocking up. The rule of being financially wise is never to use credit cards. If I can, I will give myself a budget and where possible, to use cash. On the thought of being robbed, yes, it is possible. But with cash in hand, you never know if you could help someone in need when on the road. If we can help, why not extend to our fellow humans?
1 person likes this
@moonlitmagikchild (22181)
• United States
27 Oct 11
actually to keep/get a good credit score you have to use credit cards. no credit or owing money anywhere makes you not show as doing anything credit score wise which drops it down. if you make sure and have a few and charge then pay it off quick etc just enough to show that you do exist its the best way
