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Cash in the house

(137 Posts)
Doodledog Wed 23-Apr-25 08:40:13

Do you keep cash in the house? I keep seeing and hearing advice to do so, in case of an attack on the banking system or other infrastructure failure, but I can’t really think how I would use it. The window cleaner sometimes catches me off guard, but otherwise I can’t remember wishing I had cash in the house.

Obviously the idea is that you could spend it outside, not just to pay people on the doorstep, but in that case, how much would be necessary?

If the banks aren’t working all bills would be suspended until they got going again, so that would leave day to day payments for food etc. I suppose deliveries would stop, and I would have to buy what I could carry from the shops, so enough for food for a few days?

I’ve seen advice to have enough to last a month kept in a safe place, but what is that in pounds, and money for what?

Norah Mon 28-Apr-25 13:19:15

Thank you Silverbrooks.

We've been scammed several times, no need to robbed as well!

Allira Mon 28-Apr-25 12:19:52

Silverbrooks Yes, I do agree although I probably worry more about children's photos being put on social media as they have not chosen that nor given their consent.

Watching the BBC programme programme Scam Interceptors gives an insight into how people, often elderly, are targeted.
Some scams are very sophisticated now.

Millie22 Mon 28-Apr-25 11:22:16

Silverbrooks
Crikey you really do know a lot about security.

fancythat Mon 28-Apr-25 11:07:14

I am always grateful for any kind of online security advice that is given.

NotSpaghetti Mon 28-Apr-25 10:30:02

I am always wary having spent years working with ex offenders and on the local MAPPA board.

Ex burglars used to say things like don't put your new TV box out for the bin men or wrapped gifts in easy sight in the run up to Christmas. They demonstrated why you needed deadbolt on patio doors by lifting my (old) workplace patio door out with two screwdrivers!

Don't buy a house backing onto a canal, have plenty of lights round the back of your property.... I had credit card advice from an ex-fraudster.

These days I think a lot of advice would be about cyber crimes. .. and our online footprint.

NotSpaghetti Mon 28-Apr-25 10:22:16

Thank you Silverbrooks I thought you were posting sensible reminders.
I expect most people thought that.

Even relatively harmless breaches (or even errors) can be upsetting and worrying.
I spent weeks on-and-off last year with post (from the government) coming for two different companies to my address.

One turned out to be a keyboard error (wrong number) but the other was only resolved when someone sent them a new iPhone to my address and the police were involved.

Silverbrooks Mon 28-Apr-25 10:09:02

I’ll try not to labour this too much further. I doubt it will make much difference, if any at all. Some people will go on documenting every aspect of their life on this forum, treating it as a safe space.

Only this morning someone has announced that they have just received a large inheritance which they have put in the bank. Why do this? Why use a public forum to announce that you are an elderly, single women who has just come into a lot of money?

Yes, I am hyper aware because of my job, my knowledge of how the internet is used for criminal purposes and how I have been affected personally by online data theft.

Many cyber attacks go undisclosed and unreported unless it’s a well known organisation or business e.g. the recent attack on M&S. An organisation may not even be aware of a cyber attack unless they have incident detection systems, early warning services, and security audits.

People might recall that in March, Gransnet had a spate of outtages to do with Cloudflare.

www.gransnet.com/forums/chat/1346367-What-is-happening-to-Gransnet?pg=2

Nobody at HQ seemed to be aware until it was reported - or if they were they didn’t bother to inform users so who knows what what going on and whether any data breaches occurred?

Cloudflare is a network service used by MN/GN. It is constantly fighting cyber attacks which often come in the form of something called DDoS - Distributed Denial of Service. In 2024, Cloudflare said they were blocking 4,870 DDoS attacks every hour.

DDoS is a cyber attack where multiple systems flood a target with traffic, making it unavailable to legitimate users. These attacks aim to overwhelm the target's network capacity, causing it to crash or become slow and unresponsive. In itself it may seem no more than an inconvenience to a customer, one of those occasions that might have you reaching for cash in a cafe, supermarket or petrol station.

However, while DDoS attacks primarily focus on disrupting service availability, they are sometimes be used in conjunction with other attacks, including data theft. DDoS attacks can be used as a diversion, allowing hackers to steal data or infiltrate a network while security teams are distracted by the denial-of-service.

Some history of a past DDoS attack on Mumsnet, where CEO Justine Roberts felt it necessary to explain:

www.mumsnet.com/talk/site_stuff/2452113-More-about-the-Technical-side-of-the-attacks-on-Mumsnet

Note what she says in the opening post:

The hacking attack on our website was separate from the [Denial of Service], though we believe perpetrated by the same person or people.

We try to balance security against usability and the sensitivity of the information we hold. After all, as pointed out by one of you in an earlier thread, the majority of information we have about a user is what that user publishes in Talk, which is there for all to see.

And that’s my point really. On their own, someone’s name, address and email address may only of limited use to criminals but coupled with other data that a person choses to publish, it could produce a profile to be exploit in specific ways through financial fraud or burglary.

Doodledog Sun 27-Apr-25 20:22:23

I'm sorry too, Silverbrooks. I wasn't mocking you personally - more 'joking' about people who give out too much information. I am very careful what I post, and keep SM locked down so only friends can see my posts and profile information.

Casdon Sun 27-Apr-25 19:56:33

Silverbrooks

People are chosing to be sarcastic about what I wrote of the dangers of repeatedly divulging personal information about themselves on an open forum on the world wide web.

I spent decades working in forensic investigation including building profiles from people’s social media posts. I would hazard a guess that my profession knowledge and experience in these matters exceeds yours.

Of course, what I said is predicated on the notion that the Gransnet servers could be hacked revealing both members’ email and IP addresses both of which can then be linked to other data held about a person on the dark web including their personal address.

For investigators, that information is obtained with a court order. For criminal networks it is obtained through cyber crime. One of the most common reasons for a cyber attack is to obtain personal data and sell it on using the dark web.

Don’t make the mistake of thinking all criminal networks are multi-billion businesses dealing in drugs and trafficking. There are also networks of disaffected young hackers sitting in their bedrooms talking to others about what mischief they can cause.

Gransnet is a small, leaky forum trawled constantly by bots searching for keywords in posts usually to post spam. How do you think that is possible? Mumsnet was recently subject to a cyber attack where photos of child abuse were circulated. Did you think that was done by an organisation with benign intent? Does it give you confidence that this outdated forum is secure?

Larger companies and organisations which put a lot more more resources into IT security are subject to cyber attacks. Someone posted here yesterday that they had received a personal message from someone who knew their surname. How did that happen?

You can chose to make fun of someone who is warning other elderly people to be careful about what they reveal about themselves and their daily habits to the world wide web. Others might chose to take my advice and be more careful about what they write.

For the record, my own personal data was stolen and used to commit multiple cases of insurance fraud. I wasn’t the victim in the sense that I didn’t lose money, other people did, but it was stressful while it was going on including having enforcement agents trying to force their way into my home to search for people involved in the fraud. I’m pretty resilient but how would you have coped with that?

How had my personal data been obtained? Because I was once a member of another discussion forum where the membership database had been hacked and details posted on the dark web. Why had I been chosen? The police said the fraud was being perpetuated on people with a particular nationality and my name was assumed to be from the same country.

So if you think it can’t happen, you are wrong.

Also for the record, I did not say that people would be targeted only for having cash in the house. I said they could be targeted because they reveal on a daily basis when they are away from home, plus other data about where they bank and where they shop and what their vulnerabilities are. All of this is valuable information for a would-be burglar or financial scam. The chances may be slim but surely one elderly victim is one too many. I am just urging people to be careful but for some reason that’s an excuse to poke fun or bury heads in the sand.

I don’t think anybody is being sarcastic Silverbrooks, but nor do I think that the type of information people divulge on Gransnet generally gives a picture of them that would provide bait that would be of sufficient interest to other people. There are odd exceptions - but they are not common. Your past experience, which I don’t doubt, makes you hyper aware of risk, but we need proportionality or there would be no social interaction at all.

kittylester Sun 27-Apr-25 19:32:26

I refuse to live my life looking over my shoulder or weighing up every move before I do anything.

Our neighbours refused to open their gorgeous, quirky garden when we had our village open gardens because people could come and have a look round with a view to breaking in.

It must be so horrid to view life and other people with such suspicion.

Daddima Sun 27-Apr-25 19:05:33

A few notes for window cleaner, or odd things my neighbour gets for me, and I have a dish of pound coins for my grocery deliverers, who have all been extremely helpful.

Allira Sun 27-Apr-25 18:58:49

Silverbrooks

Sorry, don't mean to be facetious. I do think Facebook (and probably more modern forums) are more likely to be targeted as people put their real names, family photos, holidays etc on there.

It would be easier than tracking someone on Gransnet, I think.

Silverbrooks Sun 27-Apr-25 18:54:35

People are chosing to be sarcastic about what I wrote of the dangers of repeatedly divulging personal information about themselves on an open forum on the world wide web.

I spent decades working in forensic investigation including building profiles from people’s social media posts. I would hazard a guess that my profession knowledge and experience in these matters exceeds yours.

Of course, what I said is predicated on the notion that the Gransnet servers could be hacked revealing both members’ email and IP addresses both of which can then be linked to other data held about a person on the dark web including their personal address.

For investigators, that information is obtained with a court order. For criminal networks it is obtained through cyber crime. One of the most common reasons for a cyber attack is to obtain personal data and sell it on using the dark web.

Don’t make the mistake of thinking all criminal networks are multi-billion businesses dealing in drugs and trafficking. There are also networks of disaffected young hackers sitting in their bedrooms talking to others about what mischief they can cause.

Gransnet is a small, leaky forum trawled constantly by bots searching for keywords in posts usually to post spam. How do you think that is possible? Mumsnet was recently subject to a cyber attack where photos of child abuse were circulated. Did you think that was done by an organisation with benign intent? Does it give you confidence that this outdated forum is secure?

Larger companies and organisations which put a lot more more resources into IT security are subject to cyber attacks. Someone posted here yesterday that they had received a personal message from someone who knew their surname. How did that happen?

You can chose to make fun of someone who is warning other elderly people to be careful about what they reveal about themselves and their daily habits to the world wide web. Others might chose to take my advice and be more careful about what they write.

For the record, my own personal data was stolen and used to commit multiple cases of insurance fraud. I wasn’t the victim in the sense that I didn’t lose money, other people did, but it was stressful while it was going on including having enforcement agents trying to force their way into my home to search for people involved in the fraud. I’m pretty resilient but how would you have coped with that?

How had my personal data been obtained? Because I was once a member of another discussion forum where the membership database had been hacked and details posted on the dark web. Why had I been chosen? The police said the fraud was being perpetuated on people with a particular nationality and my name was assumed to be from the same country.

So if you think it can’t happen, you are wrong.

Also for the record, I did not say that people would be targeted only for having cash in the house. I said they could be targeted because they reveal on a daily basis when they are away from home, plus other data about where they bank and where they shop and what their vulnerabilities are. All of this is valuable information for a would-be burglar or financial scam. The chances may be slim but surely one elderly victim is one too many. I am just urging people to be careful but for some reason that’s an excuse to poke fun or bury heads in the sand.

Casdon Sun 27-Apr-25 17:54:43

I think you are right kittylester. Everything we do carries risk, and whilst we are aware of the possibility that things may go wrong, it shouldn’t stop us from living our lives. The chance of Gransnet being hacked, email addresses being found and then tracked to peoples addresses, and homes being targeted because people have said online that they keep a little money in the house, is one of the least likely things that could go wrong in our lives - it could happen, but it’s more likely we will trip over in the garden for example, and we aren’t going to stop going outside just in case.

Norah Sun 27-Apr-25 17:42:10

kittylester

I don't know what the actual figures are, but I only know one person who has been burgled so the chances of any of us being broken into seem fairly remote.

I agree.

Can't think of any burglaries, we're rural, not much value.

We always lock up, we garage cars, we're careful.

kittylester Sun 27-Apr-25 17:22:16

I don't know what the actual figures are, but I only know one person who has been burgled so the chances of any of us being broken into seem fairly remote.

fancythat Sun 27-Apr-25 16:53:42

kittylester

I do think some people worry overly much.

With regard to which aspect?

Fwiw, when I am feeling ill[or older], I find myself worrying more.
Something to do with lack of strength? In some regard?

Allira Sun 27-Apr-25 16:49:28

Two or three of our neighbours have had their homes broken into but years apart. One was targeted because they'd broken into her previous home and knew they had a lot of precious antiques. The other, I think was opportunist and the burglars scooped up jewellery, as they did another neighbour behind us.
Insurance can cover the loss but if it's of sentimental value, it's upsetting.

Georgesgran Sun 27-Apr-25 16:40:58

I always carry an emergency tenner in my phone cover for a walking coffee when taking DD2’s dog out.

kittylester Sun 27-Apr-25 16:27:42

I do think some people worry overly much.

Allira Sun 27-Apr-25 14:36:14

I just found a tenner tucked into my mobile phone case 😃
Happy day!

Whiff Sun 27-Apr-25 14:28:29

I only keep £100;in my home and I use it to pay for taxis or if I just have a cuppa and tea cake after my move it or lose it class as it's only £2.70. rest of the time I use my credit card and do a lot of online shopping.

Allira Sun 27-Apr-25 14:24:07

I put it in our secret place, under the plant pot with the tulips in it. Don't tell anyone.

Doodledog Sun 27-Apr-25 14:21:06

Did you put the key back under the mat last time? I had to use the back door, and it's hard to reach the back door key as it's on the roof of the shed.

Allira Sun 27-Apr-25 14:20:38

Doodledog

Allira

Doodledog

I was asking about emergency money, and more than once tried to stop the move towards people over sharing. I’m not sure that details about Gladys in Macclesfield will be all over the Dark Web though. That does seem like scaremongering.

Oh, thank goodness for that Doodledog

Gladys Jones
23 Railway Cuttings
Macclesfield

You can't be Gladys Jones, as I happen to know that she is on her holidays for the next fortnight. I go in on Monday afternoons to water the plants, but she is definitely not there the rest of the time, as the place is empty.

That's me, but I took all my money (£20) and credit cards with me and the family silver is in the bank vault.