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Very very rarely, and I generally actively avoid it. There's only really my barbers that I occasionally use it for as their card payments seem to be intermittent.
I find cash impractical: it often gets lost when it gets converted into change, or notes get put in a pocket and forgotten about, and it's difficult to track where it's being spent, where you can break down each electronic transaction.
Aye but when you find the note again its a bonus tenner or a twenty ; )
Nearly 43.
Never liked using cash, its always just been a massive pain in the arse. If I pick up lunch for team mates it really annoys me when they hand me over £4.35 in loose change.
Not very often. Bank notes are little more than illegal drug purchase vouchers these days.
Yeah, try to use it where possible
I definitely prefer my card wherever possible. Just tap it on the card reader and you're done. No change jangling around in your pocket. And you can see all your transactions in your banking app later on to see exactly where you've spent money. I want cash to stick around though because some people don't like using cards.
Honestly, never. I've never struggled with budgeting and all I really buy in real life is coffee and food if on the go, and they all seem to be cashless these days. I get the privacy concerns but have to balance it with just trying to live life.
Must admit if a establishment is cashless I actively go out of my way to avoid them, mostly out of bloody mindedness.
Where do you live out of interest? I can't help but feel some covid so many businesses moved away from cash.
Grew up in a extremely rural area which likely had something to do with it, currently live in a small city & have continued the habit.
I’ve not used it in over 20 years, and I don’t miss it.
I still use it for the same reasons you mentioned. Also small businesses since they don't have to deal with card processing fees then (generally ask what they prefer) plus "other accounting measures".
(32M) Since COVID I only used it for the barbers. I found a good Turkish one that takes bank transfers now though, so never.
I do have emergency money in my bike toolkit though just in case.
I want to say I use cash and defend it. I hate that every transaction is now passing through a US company, taking a slice, when I'm paying a local shop...
But.. it's just so easy to use plastic.
And that's the point, it's like saying to anyone with any kind of substance issues to just not use the stuff, it's so hard to give it up...
Which is why I want to use cash, but, apart from tax-efficient takeaways and car parking... I don't think I use cash
Fully understand, although I must admit I never used primarily card as I was brought up by a boomer and all my first ""jobs"" were cash in hand! (although a £50 note & 2 bags of logs for a days labour at 13 was very very good). If you want to get into it just take out 100 for the week and spend only that, the change (including coppers) is free pint money!/cafe money if you don't drink.
I use card for most of my transactions, but in cornershops, independent shops or smaller businesses i usually ask what they prefer. It's not always cash! sometimes they prefer card as it's easier for them to handle.
Interesting what you say about people your age, I've noticed actually that children/teenagers tend to use cash because they don't have a bank account or any income to put in a bank account, but then when they get to 18+ they start using card more.
Basically never. The occasional car boot sale. That's about it. Any cash I receive ends up sitting on a shelf as my wallet doesn't have a space for it. The notion of relying on cash for budgeting makes no sense to me.
I'm not looking to get rid of cash, but it has no use case for me.
Even the local teenager that mows my lawn takes bank transfers!
In terms of budgeting its fairly simple, I take out £100 to take around with me and generally leave the cards at home. Thusly I can only spend that 100 quid.
I think I'd call that limiting spending rather than budgeting. Budgeting would involve keeping track of how much is spent on different things, projecting future spending, stuff like that.
Not really, take the 100 out then divide known expenses you'll be using it for, shopping, petrol the usual and anything left over is fun money for the week.