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The danger with credit card spening is racking it up too fast. Cash gives me more discipline.
3rd option: be a >30 year old hot lady who leaves the house w nothing but her ID and car keys.
Vagina is the real master card.
I used cash for most non housing expenses for a year once. Was doing the envelope system. It was a pain in the ass, mostly, although it did help us save money. And taking out cash for everything we purchased meant a withdrawal of maybe $1500 every month, split up into envelopes for various purposes. It’s one way to budget that is pretty effective since you really review every purchase since it’s paid in cash.
My united card paid for 2 flights to Maui this year. Definitely worth getting a good airline points card IMO.
Yes, they are watching us all, building dossiers that can be used against us in various ways, not just for advertising. Why make it easy for them? I don't care about the points.
I don't have a credit card abuse problem nor a balance problem; but if I use cash I can clearly see the results of my spending unlike a credit card.
Seattle (4).
You do realize that Uber tracks and records all your trips with them.
Nice. I'm actually going to be in Seattle all next week.I like the Tom Douglas restaurants. Check out the Dahlia Lounge if you have a chance.
You do realize that Uber tracks and records all your trips with them.
HeadSet saysYou do realize that Uber tracks and records all your trips with them.
OOPS! No transporting dead bodies in surfboard bags with Uber any more!
clambo saysI don't have a credit card abuse problem nor a balance problem; but if I use cash I can clearly see the results of my spending unlike a credit card.
Not saying you do, or I don't think I did.
How can you not see the spending results on a CC though? Pay for things you'd have to with cash as usual (mortgage, car payment, etc) and run daily expenses on CC. Using a card or account # either way. Look at the statement. I'd like to think I'm hip, but kind of thought online banking was a thing now.
Physical cash is just foreign to me and maybe that's a function of my age I guess. I see zero use for it in 99.99% of situations outside of catastrophic instances where it will likely be useless anyway.
I know it's being connected and big brother will get you for doing al...
I don't think it's prudent to pay 3%-5% extra for what I am buying so that I can get bullshit cash rebates/miles/points. You'll never recoup the losses (vig) for the cost of your horseshit convenience....
ForcedTQ saysI don't think it's prudent to pay 3%-5% extra for what I am buying so that I can get bullshit cash rebates/miles/points. You'll never recoup the losses (vig) for the cost of your horseshit convenience....
Right. But this works only if the merchant offers cash discounts (like many gas stations around here, for example). Otherwise you are pretty much paying these "3%-5% extra" just like CC guys but don't get any bullshit points back.
ForcedTQ saysI don't think it's prudent to pay 3%-5% extra for what I am buying so that I can get bullshit cash rebates/miles/points. You'll never recoup the losses (vig) for the cost of your horseshit convenience....
Right. But this works only if the merchant offers cash discounts (like many gas stations around here, for example). Otherwise you are pretty much paying these "3%-5% extra" just like CC guys but don't get any bullshit points back.
But... still pay cash at the gas station. My understanding is, still a lot of fraud on those card readers on the gas pumps. And also like "BayArea" said, for group meals. I have found that having a bunch of $1 bills is handy for such occasions.
Check out the Dahlia Lounge if you have a chance.
- haggle over taxes and discounts works better if you pay cash to a small shop. They'll haggle and usually discount for cash off the books.
Ever try to buy something where the P.O.S. system has failed? Data uplink down? Card not reading right? That kind of shit happens all the time, and I would just as soon avoid it.
I don't think it's prudent to pay 3%-5% extra for what I am buying so that I can get bullshit cash rebates/miles/points. You'll never recoup the losses (vig) for the cost of your horseshit convenience....
They have turned you against yourself and you don't even realize it.
They can compromise my credit card if they want, it takes 2-3 days to get a new one with the fraudulent charges removed.
Yes, realize that. But that's because the majority of the fucking sheep don't even know or understand this. The sellers have this baked into their prices. It's up to those in the know to educate the purchasers as to the costs they incur when purchasing.
Gotta ask for cash discounts or go elsewhere when purchasing. I know, I know, NOT CONVENIENT! My feelings hurt and I don't wanna go shop somewhere else....
When SHTF, I’m converting to gold, 22lr, and yams.
Another use: staying off the grid. In this digital age, everything we buy using electronic transactions or even store rewards cards can be tracked, tabulated, spreadsheets constructed, and analyzed for future targeted advertising. And this whole process is completely automated. If you don’t want the business world knowing just how often you have to spread preparation H on your o-ring, using cash for such purposes works well.
Goran_K saysWhen SHTF, I’m converting to gold, 22lr, and yams.
.44ACP here. Not much that’s as menacing as a big long barrel revolver. 2 inch placement at 50 yards says I mean business.
If the apocalypse happens and I have $0 and a gun and you have $3M and an unlocked front door, what do you think the outcome is? I've got your useless cash until the next guy with bigger guns takes it from me. So yeah, unless you're selling drugs or gambling, cash generally is not king in a physical transaction during normal times or even the zombie apocalypse.
That is hilarious. Like there's no other scenarios between, where a bit of cash can be useful. Hilarious.
When my partner and I were both sidelined with the flu (not a cold, the "flu") we sent our then 16-year old out to get some household staples. She used some of the "contingency cash" we had in the house.
Other typical reasons are "I dont like to carry cash on the street because I could get robbed...But I'll carry an $800 smartphone, a rolex watch, gold jewelry, $200 sunglasses......lol
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I carry some cash in case of, well nothing except going to a casino or strip club. My credit card pays me (via points) and I pay it off every month. Reason I ask is my small town has a bank closing and people are all fucking worked up over it. The only need for a physical branch now-a-days is to grab cash and that's what they're upset about. But why?
It's been a decade since I've EVER been in a situation where my CC couldn't get me out of a situation. Cash can get stolen. Debit cards are generally less secure (fraud protection) than CC's. I'm sure it's some big banking conspiracy, tin foil hat shit, but using cash/debit is like having sex with an HIV positive person without protection. Give me your reasons why I'm wrong. Seriously interested.