Cash or card

The answer is Rosy21 to use cash all the time, as we do, then when you need change you have it.
For a car boot/school fete and similar events we save change for a week or so beforehand.
My children use cash too and the grandchildren get cash pocket money when they visit as well as a DD into their accounts.

I use cash as much as I can because I don’t want it to disappear. I believe it will but not in my lifetime.

When you buy something in a shop and it doesn’t fit and you pay on card, the refund has to go back on the card. If, like me you live in a rural area and, ask a family member to return it you must remember to give them your card.

Cash now most of the time. I keep a float of £20 in change for tips & car wash. I also shop half card, half cash to keep the flow going.
If we don’t use those ATM machines we will loose them.
Get cash out of the machine- shops will give you small change back.
I like to keep an eye on my spending as I found using my card all the time for small items was bumping up my card bill.

I believe it will be faster than you think! It’s frightening. I think there will come a day that the government will track our travelling, & say you’ve used your allowance for carbon emissions! Who knows what they have in store for us- sounds dystopian I know!

As Treasurer of our local u3a (over 500 members) many people still use cash. The meetings are typically either 50p or £2 for starters and its £1 for unlimited coffee and biscuits at our monthly coffee morning. I have no facility to accept a credit card! Also our annual fee is £10 and at least 150 members pay in cash (the rest by cheque or online) but a lot of those in their 80s (and even 90s) don't "do" online banking.

We keep a small stash of fivers and a pot of change. We also have enough in each car to pay for car parking (mostly at hospitals!!) If we are getting low we pay with a £20 note for something relatively inexpensive like a newspaper.

I love just taking a card put with me.
I don't find cash very useful to be honest as I can't think of anywhere (other than a church/school fête) that needs it.
I would just go to an ATM on my way .

I admit I like my grandchildren to have actual cash for treats/holidays.

I don’t like carrying cash, I rarely carry a handbag I pay for everything via my phone. I live in London and figure if I’ve not got a bag I’m not attracting muggers. I know that sounds dramatic but believe me it happens frequently and I’m happy to be moving out. My phone is in my pocket along with keys. The only time I get cash out is if it’s a young family member has a birthday. I won’t be popular it seems but my method of dealing with the dilemma suits me.

Now I no longer drive I have persuaded my cleaner and the fellow who cuts the grass to be paid by bank transfer.

I try to keep some cash here so that when I'm at Waitrose, I can ask for money to be withdrawn and a tenner of it as a fiver, and the rest as pound coins.

I prefer to use an ATM but there is only one which is safe, ie it is not on the high street.

My local pharmacist will only accept a card if the bill is over £10.

Children will not need to learn how to use cash as when they are older it will rarely be used.

Cash most of the time, if we do not use it we will lose it.

I try to use cash whenever possible……we pay the bin cleaner in cash, car parking in cash, car cleaning in cash, small shop purchases in cash, cafe stop in cash, post office in cash and if I want a large note changing I go to the post office and buy a single stamp.

I use both, but try to use cash where possible.

Cash as much as possible.

The thing is with cash, you can lose track unless you keep receipts. I like to use my phone to pay as I have an instant to hand detail.
I do keep about 8 fivers in the back of my phone; a purse hidden in car with some more notes; more notes in a handbag wallet and about a tenner in coins in a tin in my car for parking etc.. If I drop down dead it will be a treasure hunt. Good luck

Like others, we get cash out from the PO and keep it with small change to use occasionally when cards won’t do.
Years ago DH couldn’t bear carrying change and always put it in a dish in the hall. The DCs used to help themselves to the extra cash. Once they’d left home it accumulated and one day we banked over £300 in coins!

tanith

I don’t like carrying cash, I rarely carry a handbag I pay for everything via my phone. I live in London and figure if I’ve not got a bag I’m not attracting muggers. I know that sounds dramatic but believe me it happens frequently and I’m happy to be moving out. My phone is in my pocket along with keys. The only time I get cash out is if it’s a young family member has a birthday. I won’t be popular it seems but my method of dealing with the dilemma suits me.

What no cash for backup? You are more likely to be mugged down London 🙄

I keep £1&2 and 50ps for parking meters every thing else goes into charity box on the counter. But 90% of spending is card I don’t even bother with foreign currency, even ice cream stalls have contactless these days. I do keep a float of cash in my wallet but it moves very slowly.

I use card mainly but I have a little cash at home.

Folk were being fined at Our local hosp car park, card reader was broken. I always keep backup change in the car, so was able to pay.
Super market tills were down, those with cash could go through. Massive queue Outside the ‘Whizzy bank’ 😳 I waltzed past with my trolly. Never heard so much huffing & puffing.

David49

I keep £1&2 and 50ps for parking meters every thing else goes into charity box on the counter. But 90% of spending is card I don’t even bother with foreign currency, even ice cream stalls have contactless these days. I do keep a float of cash in my wallet but it moves very slowly.

Waiters & cleaner want tips in Euros though, or don’t you bother tipping?

The reason you have to pay your notes in to the P.O, and probably the same at a bank, before drawing it out in change is so there is a paper trail if the cashier is then wrong when they balance their till at the end of the day.

(Retired bank clerk, I assume they do still balance tills at the close of business?)

Mostly use my card now