Carrying Cash or just Bank card

I pay the dustbin cleaner in cash. Our local car parks are all cash payments only, so it's always useful to have some 'proper money' as my late Dad used to say.

On a different note, I recall the joy recently of having a long overdue visit by my youngest GC. Yes, we had a cuddle and the joy on her face when I pressed a shiney £2 coin into her little hand was priceless, I got an extra big cuddle that day. Somehow, bank transfers to the parents accounts are not quite the same are they?

I carry a small amount of cash but mainly use cards. I pay my cleaner in cash.
I do worry about going cashless and if that happens how do you teach young children that there is a consequence of spending when they cannot physically see a diminishing balance.

I use both

Riverwalk

shysal

I read only today that the old notes will cease to be legal tender next year. However, they will still be accepted into your bank or Post Office account. I still have a few plus some old circular £1 coins and a cheque to pay in from before the first lockdown. My village bank closed a few years ago and I can't be bothered to travel the few miles to another branch.
The only time I pay cash is when my grass is cut for me, otherwise I use my debit card. In fact I always used to carry a handbag, but nowadays only use a little Ameribag baglett across my body, containing ID, a folding shopping bag and keys.

Bear in mind most banks won't accept a cheque that's older than six months, unless it's from a bank or building society.

Do you have a banking App on your mobile? I can pay in a cheque by opening the app, and sending a photo of the cheque.

Thanks Riverwalk, my phone is too old to support the app, but I do ordinary on line banking for everything else. The cheque is only a £10 Age UK lottery win so is no great loss!

Most charity collection boxes now have a QR code on them so you can donate using your smartphone.
I like the M&S scan and go app. You link your card and don't even need to visit a till. I nipped in and out for a loaf today in a couple of minutes .

That said, the majority of payment in the charity shop where I volunteer was cash today.

There are so many ways to pay today but having a small amount of cash is still necessary.

I hate the thought of a totally cashless society. For some people, like my grandson with learning difficulties, physical cash is real and he's beginning to be able to budget his pocket money, pay at the till and mostly calculate his change. If he had to use a card it would be so much more difficult.
During this pandemic I've paid mostly by card as that's been preferred by many retailers, but I wouldn't want go out without cash in my purse, it would feel wrong. I'd never want to pay for a tube of mints by card and how would I give to the homeless I see around?

I like to keep a small amount of change in my purse but mainly use card. I have on line banking so check quickly each evening that all is well with my account.

shysal

I read only today that the old notes will cease to be legal tender next year. However, they will still be accepted into your bank or Post Office account. I still have a few plus some old circular £1 coins and a cheque to pay in from before the first lockdown. My village bank closed a few years ago and I can't be bothered to travel the few miles to another branch.
The only time I pay cash is when my grass is cut for me, otherwise I use my debit card. In fact I always used to carry a handbag, but nowadays only use a little Ameribag baglett across my body, containing ID, a folding shopping bag and keys.

Bear in mind most banks won't accept a cheque that's older than six months, unless it's from a bank or building society.

Do you have a banking App on your mobile? I can pay in a cheque by opening the app, and sending a photo of the cheque.

I don’t know how people manage totally contactless, I seem to do lots of things where cash is the only option. For example, going to local events in village halls, vegetables at the market, car parks where they don’t take cards, charity donations on the street, tips, paying friends back when they have got something for me, etc. I use contactless when I can, but life without cash would be a lot more messy.

I use cards, cash and Apple Pay on my phone. I don’t like using my card for things that cost less than a pound or so and both my gardener and window cleaner still want cash.

I do use my Tesco credit card for all large purchases, meals out etc as I collect the club card vouchers to spend on my RAC membership or treats at Christmas. I now have my credit and debit card stored on my phone so that in theory I only need to take my phone out with me - but I still have some cash “ just in case!”

My phone opens with facial recognition so only I can use it, more secure than taking a credit card out.

Urmstongran

I like a few pounds in coins. Handy for putting in a charity box or for a tip after paying by card at the hair salon, bar or restaurant. I dare say tipping is becoming obsolete nowadays now people just pay by card.

I still tip even when paying with my card. I always check with the waiter that the staff will get the tip though, usually they appear to share it among all the staff.

I now have to credit my grandchildren's pocket money as they use cards; even the 12 yr old (Osper cards for children). The days of slipping them cash seems to be over.

I read only today that the old notes will cease to be legal tender next year. However, they will still be accepted into your bank or Post Office account. I still have a few plus some old circular £1 coins and a cheque to pay in from before the first lockdown. My village bank closed a few years ago and I can't be bothered to travel the few miles to another branch.
The only time I pay cash is when my grass is cut for me, otherwise I use my debit card. In fact I always used to carry a handbag, but nowadays only use a little Ameribag baglett across my body, containing ID, a folding shopping bag and keys.

I use both , I like some change to light a candle in the Chapel , I pay my cleaning lady in cash , and need notes to tip the grandchildren !
I remember when my Granda used to give me a tiny coin to keep , it had a pig on it , Fairy money !

She does because I suspect a £20 note is not put through the till. A nice little earner s Arthur Daley would say. Just don't ask for a receipt.

I always carry a £10 note just in case. As soon as we could see 4year old GD again we took her to the beach and enticed her off with the promise of ice cream. We were queuing up when I realised it was cash only. I was explaining to her we only had a card and needed to go somewhere else. The man in front overheard and offered to get her ice cream thank fully. Since then I carry a small amount of cash with my card.

Some car parks only take cash.

Love contactless, hate cash!

Bet she loves you Boz.

Use both, I can’t imagine buying a sandwich or a packet of crisps with a card

My hairdresser charges £22 for a blow dry. If I wave a £20 she just takes it. Love a discount, me.

Always have cash and a card. A friend never has cash and often there has been a problem using a card and she has no fallback. Other than me

I use both card and cash but I only carry small amounts. All the small change goes to prem babies via our local paper shop. I like a little cash for small purchases. It’s also less expensive for local shops as card use costs them money.

Our village encourages cash, many of the elderly locally prefer cash, for whatever reason. I wouldn’t like to see the demise of cash, so use it in the local shops, pubs, cafes, at the farm shop, pharmacy and for fuel.I’ve also paid some tradesmen in cash.

Urmstongran

I like a few pounds in coins. Handy for putting in a charity box or for a tip after paying by card at the hair salon, bar or restaurant. I dare say tipping is becoming obsolete nowadays now people just pay by card.

I tip my hairdresser with my card!