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Would you recommend your East Dulwich doctor, dentist or butcher?
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messageCash or Card
Posted by DulwichFox March 06, 09:36AM

Lots of talk about usage of Cash and Cards.

Personally, I seldom use cards to pay for local shopping trips and never in the pub for beer or meals out in the restaurant.
I NEVER take cards out with me at night.

I get Cash out of the machine or bank and take enough cash out with me to cover my needs for the evening.

I must admit most people seem to use Contactless cards in pubs. They probably have very little idea of how much they are spending.

It has been said that some people carry no cash at all. So what about tipping in a restaurant after a meal. ?

I do occasionally use Apple Pay. I had a refund on my Barclaycard so it was in credit. They only way to get that credit back is to use the card.

I would hate to see a cashless society..

Some places do not take Cards. But some places are popping up that are card only.

DulwichFox

messageRe: Cash or Card
Posted by JohnL March 06, 10:01AM

Almost all card now. I don't really track my spending just my balance (you can check every transaction online - but my rough balance is in my head).

When you pay by contactless there is a tip option but most bar staff leave it at zero (you see it if the transaction fails and you need to get them to do it again).

Actually if anything worries - my bank can checkout my pub crawl smiling smiley



Edited 1 time(s). Last edit was march 06, 10:02am by JohnL.

messageRe: Cash or Card
Posted by rendelharris March 06, 10:04AM

> It has been said that some people carry no cash at all.
> So what about tipping in a restaurant after a meal. ?

Most if not all restaurants now have a "gratuity" feature on the card reader so one can add as much on top as wished.

messageRe: Cash or Card
Posted by Help-Ma-Boab March 06, 10:11AM

Always carry cash. On more than one occasion the reader is down in the pub. Nobody else has cash, and no cashpoints nearby so muggins buys the drinks with the usual "We will transfer across the cash in the morning blah blah.." Still waiting for it!

messageRe: Cash or Card
Posted by JohnL March 06, 10:20AM

Help-Ma-Boab Wrote:
-------------------------------------------------------
> Always carry cash. On more than one occasion the
> reader is down in the pub. Nobody else has cash,
> and no cashpoints nearby so muggins buys the
> drinks with the usual "We will transfer across the
> cash in the morning blah blah.." Still waiting for
> it!

Even I carry a tenner - but it's been the same tenner for weeks now.

I must be lucky with readers - but there was that day VISA went down last summer.

messageRe: Cash or Card
Posted by Pugwash March 06, 10:42AM

Hubby had a meal in a café recently and before he left home, he remembered that they did not take cards. I use cash and cards. Cash to get newspapers and magazines, cards in supermarkets and petrol stations. Cash in Fair Trade Centre.

I went to my ex works Christmas meal and the bill was between 10 of us with differing dishes, I was the only one paying cash for meal and tip. The poor guy serving us had to take 9 different cards and costs and add up if all monies totalled up.

I take out cash usually monthly and never go out without a minimum of £10 for emergencies. I would hate to go to a cashless society. I have several elderly friends who like to pay by cash for their daily expenses as they are afraid of getting into debt.

messageRe: Cash or Card
Posted by teddyboy23 March 06, 11:48AM

Cash is king

messageRe: Cash or Card
Posted by IlonaM March 06, 11:52AM

Always have some cash on me, but use debit card as well.

Would hate to live in a cashless society. Only place I tap is on BA for food as they no longer take cash on board (except for charity donation), otherwise I prefer to put in my pin.

messageRe: Cash or Card
Posted by JohnL March 06, 12:30PM

As cash use declines it becomes increasingly nonviable for businesses to "cash up" and take money to the bank.

Then left unchecked ATMs start closing as they aren't used as much.

[www.bbc.co.uk]

messageRe: Cash or Card
Posted by KidKruger March 06, 12:32PM

This doesn't have to be exclusive, cash & card together covers all bases.

messageRe: Cash or Card
Posted by Siduhe March 06, 01:44PM

DulwichFox Wrote:
-------------------------------------------------------
> Lots of talk about usage of Cash and Cards.
>
> Personally, I seldom use cards to pay for local
> shopping trips and never in the pub for beer or
> meals out in the restaurant.
> I NEVER take cards out with me at night.
>
> I get Cash out of the machine or bank and take
> enough cash out with me to cover my needs for the
> evening.
>
> I must admit most people seem to use Contactless
> cards in pubs. They probably have very little idea
> of how much they are spending.

I think there has been a bit of a sea change in terms of some of the technology that's now available. I used to use cash almost exclusively, for exactly the reason you mention DF - easier to keep track of spending and feels a bit more "real" - less likely to splurge on things.

Now I use a Monzo card which I can upload with my monthly budget, and which gives me real time updates on my spending against budget. So I use contactless much more but feel like I get a much better sense of what I'm spending my money on from the Monzo app then I ever did when I used cash, including a really useful "will I have enough left over for the end of the month" feature. So I wouldn't jump to the conclusion that just because someone is using contactless, they aren't on top of what they are spending. They may be getting that information in a different way from what you are used to.

messageRe: Cash or Card
Posted by Tractorlad March 07, 07:36AM

I carry neither. 90% of my retail transactions are Applepay. If the bill exceeds the £30 contactless limit, I ask for it to be split and rung through as a multiple.

messageRe: Cash or Card
Posted by JohnL March 07, 10:20AM

Tractorlad Wrote:
-------------------------------------------------------
> I carry neither. 90% of my retail transactions
> are Applepay. If the bill exceeds the £30
> contactless limit, I ask for it to be split and
> rung through as a multiple.

In the stats I think Applepay (and Android) count as contactless.

Ans I see a lot of people using it (I have my cards on my phone but I haven't used it as yet)

messageRe: Cash or Card
Posted by Sue March 07, 03:59PM

A couple of times at our gigs, we have had people saying they never carry cash, and being annoyed when we say we don't take cards!

Luckily, the lovely Ivy House gives cashback at the bar smiling smiley

messageRe: Cash or Card
Posted by TheArtfulDogger March 07, 06:35PM

KidKruger Wrote:
-------------------------------------------------------
> This doesn't have to be exclusive, cash & card
> together covers all bases.


Agreed

Card for Bigger things

Cash for smaller things like a pint of milk, bacon sandwich or to pay your builder

messageRe: Cash or Card
Posted by cella March 07, 07:10PM

Are people still really paying cash to builders these days?

messageRe: Cash or Cardattachment
Posted by se22cat March 07, 07:48PM

I only ever use cash in the laundrette to do drying these days, I find it much easier to keep track of spending that way. I saw this at the [soon to be no more] Elephant and Castle shopping centre yesterday smiling smiley

Attachments: IMG_20190306_124154.jpg (162.7KB)  
messageRe: Cash or Card
Posted by Penguinpost March 07, 10:22PM

Tractorlad Wrote:
-------------------------------------------------------
> I carry neither. 90% of my retail transactions
> are Applepay. If the bill exceeds the £30
> contactless limit, I ask for it to be split and
> rung through as a multiple.

Apple Pay rules are different - the limit is way higher than £30. I pay for my Sainsbury’s shopping with it every week and it’s usually around £100.

messageRe: Cash or Card
Posted by JohnL March 08, 08:31AM

Penguinpost Wrote:
-------------------------------------------------------
> Tractorlad Wrote:
> --------------------------------------------------
> -----
> > I carry neither. 90% of my retail transactions
> > are Applepay. If the bill exceeds the £30
> > contactless limit, I ask for it to be split and
> > rung through as a multiple.
>
> Apple Pay rules are different - the limit is way
> higher than £30. I pay for my Sainsbury’s shopping
> with it every week and it’s usually around £100.

[www.cultofmac.com]

Correct - I didn't know - useful for me as so often a few bottles of wine or some food top up comes to just over £30



Edited 1 time(s). Last edit was march 08, 08:31am by JohnL.

messageRe: Cash or Card
Posted by ed_pete March 08, 09:02AM

And when did you last write a cheque ?

messageRe: Cash or Card
Posted by DulwichFox March 08, 09:43AM

I last wrote a Cheque on 14th Feb 2019

DulwichFox

messageRe: Cash or Card
Posted by robbin March 08, 11:17AM

cella Wrote:
-------------------------------------------------------
> Are people still really paying cash to builders
> these days?

lol!

messageRe: Cash or Card
Posted by JohnL March 08, 11:23AM

ed_pete Wrote:
-------------------------------------------------------
> And when did you last write a cheque ?


Haven't even had a cheque book for 15 years odd - Halifax obviously stopped giving them out unless you specifically asked.

messageRe: Cash or Card
Posted by DulwichFox March 08, 11:37AM

As a member of The Royal National Lifeboat Institution (RNLI) and Royal National Institute of Blind People (RNIB)
I regularly sell Raffle Tickets to raise funds.

Having collected money (cash) for ticket sales I need to pay the money collected and my own donations
and membership fees. The eaiest way is by cheque. I seldom actually use cheques for anything else.


Foxy.

messageRe: Cash or Card
Posted by uncleglen March 08, 12:19PM

cella Wrote:
-------------------------------------------------------
> Are people still really paying cash to builders
> these days?

And where do you think most of that cash goes?

messageRe: Cash or Card
Posted by Sue March 08, 12:54PM

Surely most people pay other people/organisations by BACS these days rather than cheque?

It's far quicker and easier.

ETA: Ten years ago we used to pay our headliners by cheque.

It's always BACS now, whether to the artist or the agent.

ETA: Easier for them, and easier for us.

And surely you'd pay membership fees etc by direct debit or standing order? That's what I do for the charities I support. If you send a cheque, it's got to be processed manually at the other end, then somebody has to pay it in at the bank. Plus it might get lost in the post.



Edited 3 time(s). Last edit was march 08, 12:58pm by Sue.

messageRe: Cash or Card
Posted by johnie March 08, 01:03PM

Sue Wrote:
-------------------------------------------------------
> A couple of times at our gigs, we have had people
> saying they never carry cash, and being annoyed
> when we say we don't take cards!
>
> Luckily, the lovely Ivy House gives cashback at
> the bar smiling smiley


We just got one of these:
[www.izettle.com]

Only 1.75% transaction charge, and got the reader for £19.95. Really good and arrived in 24 hours.

messageRe: Cash or Card
Posted by Sue March 08, 01:11PM

johnie Wrote:
-------------------------------------------------------
> Sue Wrote:
> --------------------------------------------------
> -----
> > A couple of times at our gigs, we have had
> people
> > saying they never carry cash, and being annoyed
> > when we say we don't take cards!
> >
> > Luckily, the lovely Ivy House gives cashback at
> > the bar smiling smiley
>
>
> We just got one of these:
> [www.izettle.com]
>
> Only 1.75% transaction charge, and got the reader
> for £19.95. Really good and arrived in 24 hours.


I've seen stall traders struggling with these because they can't get a signal, or can't get connected.

Might be fine for some things, but maybe not when you're dealing with a queue of people!

Though at least our concert tickets are mainly sold online in advance via WeGotTickets.

messageRe: Cash or Card
Posted by Pugwash March 08, 01:22PM

I am a trustee of 2 charities and am a bank signatory. We pay most bills and wages by cheque. One charity we pay wages by cheque and have for over a year been trying to arrange BACs payment for staff wages - Barclays have consistently lost our ID forms, given conflicting information etc. Over the past 3 years I have produced all by ID at least 4 times and they still manage to get things wrong.

messageRe: Cash or Card
Posted by cella March 08, 07:44PM

uncleglen Wrote:
-------------------------------------------------------
> cella Wrote:
> --------------------------------------------------
> -----
> > Are people still really paying cash to builders
> > these days?
>
> And where do you think most of that cash goes?

Not sure what you imply? I'm more concerned about people not contributing their full tax.

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