E-Z Glider
Footballguy
This thread is great.It would only take me five seconds to rip some leaves of a tree and stuff them in my pocket, too, but I don't do that either, for the same reasons.
This thread is great.It would only take me five seconds to rip some leaves of a tree and stuff them in my pocket, too, but I don't do that either, for the same reasons.
Pretty routine in my world.I’ve never even heard of anything like this before
Exactly same here. Cash is usually for betting purposes or tipping purposes. But I usually do have some on me.I carry cash for golf obviously, every day stuff I rarely use cash, usually lunch when we go to local shops
Never using cash doesn’t seem to be a good enough reason for some, who go so far as to label not carrying as irresponsible/immature/unprofessional, based on the perceived risk.If you want to argue that you dont carry cash because you never need/use it, ok cool.
The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.
Even if you have nothing but a phone, surely you have a phone case right? You cant slip one bill between the case and the phone? Child please
Effort to get the money?? Effort to hold the money?????
You could just slip a blank check in the phone case. Most places still accept checks, right? And you won't need to carry change afterwards.If you want to argue that you dont carry cash because you never need/use it, ok cool.
The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.
Even if you have nothing but a phone, surely you have a phone case right? You cant slip one bill between the case and the phone? Child please
Effort to get the money?? Effort to hold the money?????
That's it. That's the argument.If you want to argue that you dont carry cash because you never need/use it, ok cool.
No one's saying they don't carry cash because it's too much effort. It wouldn't take a lot of effort to carry cash around, just like it wouldn't be hard to carry around a pocketful of leaves. For many of us, there's just no reason to do it.The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.
I guess it makes sense to carry cash around if you're still living in 2007.Child please
Not always carrying cash isn't just because it takes a lot of effort. It can also be because it's usually easy to get cash within just a few minutes. If you need it faster than that. It's possible you're being scammed or robbed.If you want to argue that you dont carry cash because you never need/use it, ok cool.
The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.
Even if you have nothing but a phone, surely you have a phone case right? You cant slip one bill between the case and the phone? Child please
Effort to get the money?? Effort to hold the money?????
Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it.If you want to argue that you dont carry cash because you never need/use it, ok cool.
The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.
Even if you have nothing but a phone, surely you have a phone case right? You cant slip one bill between the case and the phone? Child please
Effort to get the money?? Effort to hold the money?????
That would be immature and irresponsible. That $20 could save your life one day, it's not to be squandered on frivolous rubbish!Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it.
The point of the thread is not using cash for every purchase. The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful. Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down". You could still use a debit card or Apple Pay if you need a bottle of water for 1.43. However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect).Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it.
I now have a bunch of bills and change that I don’t want to have to hold and keep track of and your argument breaks down.
Ummmmmmm, then dont use the cash for that item?????? LordSay I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it.
I now have a bunch of bills and change that I don’t want to have to hold and keep track of and your argument breaks down.
One could of course, just keep essential emergency items on hand, bought with a credit card.The point of the thread is not using cash for every purchase. The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful. Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down". You could still use a debit card or Apple Pay if you need a bottle of water for 1.43. However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect).
Welcome to the FFA.Y'all really argue about some inane #### in here.
I have no interest in all that organization.I feel like this is the opposite side of the no cash crowd. Between the ease of budgeting / tracking, extra security, and cash back, I'll never give up my credit cards. But I do understand that others don't want them.
So the cash is for emergencies?The point of the thread is not using cash for every purchase. The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful. Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down". You could still use a debit card or Apple Pay if you need a bottle of water for 1.43. However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect).
I have emergency essentials at home, and I do have some stuff in my car--but the point is that the vast majority of us still carry a phone or wallet around with us even those of which dont carry cash. Having one or two bills in there is literally no effort--one can literally just ask for cash back the next time they make a purchase at a store with an atm card--and hold in in their cell phone case or the wallet that they are already even carrying. The point is that its an effortless task that only can help in times of need or in times of unexpected circumstances. A lot of stores do not completely shut down in power outages--they generally have employees at the front door limiting the number of patrons in the store at one given time and they generally inform the patrons that all transactions have to be conducted in cash until the power restores.One could of course, just keep essential emergency items on hand, bought with a credit card.
I honestly don't know the answer, but it seems most stores would close if their power went down completely.
I bet you never tried to buy a small bottle of water during a power outage .....I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.
My post said emergencies or circumstances where having cash on hand is useful. If tipping is one of those circumstances--then that would certainly qualify. I advocate carrying cash at all times--but i still use credit cards and debit cards for 99% of my transactions. With that said--there have been numerous times in my life where having cash on me has helped me avoid inconvenient or unexpected circumstances. This thread is not about going completely cash versus going completely digital. The cash people are not making that claim at all--yet somehow the people that don't carry cash are somehow misrepresenting our position and trying to paint that picture.So the cash is for emergencies?
What if I want to tip someone?
I only get cash when I know it’s the only way. Right now that list is silver at the flea market and haircuts. Spare change for the odd parking meter. This week I got $100 out and decided to get 2 ounces of silver which left me with 41 bucks to get rid of. So went to order a pizza from Dominos on Sunday, cost was $27.05. I figured great, that’ll take care of most of it. Hit ‘pay at store’ on the online checkout and messsge came up that we have to have payment now for anything over $25. Go figure.
Probably right.I bet you never tried to buy a small bottle of water during a power outage .....
That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case. Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.
To each their own. I'm a bit of a in this aspect (and others but we're not talking about that right now) but tracking my expenses for the past few years has been extremely helpful as I plan retirement.I have no interest in all that organization.
I'd want a big one in that event.I bet you never tried to buy a small bottle of water during a power outage .....
Some people like to live life on the edge.That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case. Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.
Tax avoidance.Terminalxylem said:Can you explain this to me? I understand merchants pay a cc fee for each transaction involving credit, but tips are taxed the same regardless. Kinda like paying cash for services “under the table”, I feel like cash tips are often a vehicle for tax evasion.
Usually "tax avoidance" implies not having a legal obligation to pay the tax.Tax avoidance.
The point, for those of us who don't typically carry cash, is that the mere act of not carrying cash is not "irresponsible". There are lots of other adjectives a person could use to describe such an act, but the non-cash folks don't think that particular word applies.That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case. Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.
I'm not counting on them working 100% perfectly 100% of the time. I'm of the belief that when that failure does happen, I'm going to be ok with not making that purchase at that time.jvdesigns2002 said:That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case. Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.
You are not inaccurate except for one thing. I believe that there are multiple levels of immaturity and irresponsibility. I’ve never made the claim that the decision to not carry any cash is as irresponsible a behavior as speeding or not wearing a seatbelt— but that doesn’t mean I don’t think it’s irresponsible behavior at all. If somebody wanted to characterize my thoughts on not carrying cash as being mildly irresponsible- that’s a accurate assessment. If you don’t think it’s irresponsible at all- that’s fine as everyone is entitled to creating their own boundaries or parameters. With that said- I still firmly stand by my stance. It’s an effortless and no downside way of preparation that I have not seen a compelling argument against (aside from a few people here and there that don’t routinely carry a wallet or phone on them).FBG26 said:The point, for those of us who don't typically carry cash, is that the mere act of not carrying cash is not "irresponsible". There are lots of other adjectives a person could use to describe such an act, but the non-cash folks don't think that particular word applies.
You've said that carrying cash is super easy and thus not doing it is irresponsible (paraphrasing, but I believe that to be an accurate summary of your statements). However, I argue that the mere fact that an act is easy to perform does not make it irresponsible if I choose not to perform that act.
Whether an act is irresponsible depends upon the severity of the consequences of performing the act or not performing the act. To me, irresponsible implies a risk of significant negative consequence. Driving too fast can be irresponsible because there is a risk of serious injury or death. What is the significant negative consequence of not carrying cash at all times? A credit card terminal is unexpectedly down and I either go without lunch or get it somewhere else? I've seen the example of power being down for a few hours or days. My family keeps cash at home to deal with those scenarios. I don't believe anybody has presented a scenario where the lack of having immediate access to cash on my person could cause a significant negative consequence.
So yes, carrying cash is easy and often nice. Not carrying cash on my person is NOT irresponsible. That is the point.
Fair enough, thanks.You are not inaccurate except for one thing. I believe that there are multiple levels of immaturity and irresponsibility. I’ve never made the claim that the decision to not carry any cash is as irresponsible a behavior as speeding or not wearing a seatbelt— but that doesn’t mean I don’t think it’s irresponsible behavior at all. If somebody wanted to characterize my thoughts on not carrying cash as being mildly irresponsible- that’s a accurate assessment. If you don’t think it’s irresponsible at all- that’s fine as everyone is entitled to creating their own boundaries or parameters. With that said- I still firmly stand by my stance. It’s an effortless and no downside way of preparation that I have not seen a compelling argument against (aside from a few people here and there that don’t routinely carry a wallet or phone on them).
Good point. I think tax evasion is the term we are looking for.-OZ- said:Usually "tax avoidance" implies not having a legal obligation to pay the tax.
Tax fraud seems like a good description.Good point. I think tax evasion is the term we are looking for.
This argument is basically boiling down to prepper -vs- non-prepper.I'm not counting on them working 100% perfectly 100% of the time. I'm of the belief that when that failure does happen, I'm going to be ok with not making that purchase at that time.
Cool, I'll do that next time i make a purchase with my ATM card, which will be approximately... never.jvdesigns2002 said:one can literally just ask for cash back the next time they make a purchase at a store with an atm card
Right, let's not lose sight of the point here, which is that someone claimed not carrying a small amount of cash on their person at all times is immature and irresponsible.jvdesigns2002 said:This thread is not about going completely cash versus going completely digital.
I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience.dgreen said:I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.
I can think of zero instances where having a 20 dollar bill and five singles in my wallet was a necessity.I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience.
I can't think of many. Usually it's no harm. I've lost cash before. Not a common occurrence but greater than zero instances. That's about a big of an inconvenience I can think of. When I have cash, I tend to feel like I have to check periodically to make sure it's there. Kind of like when I used to use paper tickets to get into sporting events. I would check multiple times on the way to make sure I still had them on me because I've lost them before or simply forgot to take them with me. Other than that rare inconvenience, I just find it annoying to carry cash.I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience.
Seriously man--just drop it. I've been polite and articulated my stance clearly and kindly to everybody --including yourself. All you have done throughtout this entire thread is rain snark and rudeness with every post you make. Just ignore me as I have zero desire to engage in any discussion with you. I don't know how much clearer I can make it. Enjoy your day and leave me alone.Cool, I'll do that next time i make a purchase with my ATM card, which will be approximately... never.
Right, let's not lose sight of the point here, which is that someone claimed not carrying a small amount of cash on their person at all times is immature and irresponsible.
Like so much else here, you have this exactly backwards. I’m sorry you said something silly and have felt obligated to defend it ever since, but you’re allowed to ignore me. That’s probably the mature and responsible thing to do. You’re not allowed to tell me to stop participating in the discussion, that’s not how it works.Seriously man--just drop it. I've been polite and articulated my stance clearly and kindly to everybody --including yourself. All you have done throughtout this entire thread is rain snark and rudeness with every post you make. Just ignore me as I have zero desire to engage in any discussion with you. I don't know how much clearer I can make it. Enjoy your day and leave me alone.
I'd love to bet, but have nothing on me. Seriously though, this thread has incentivized me to cache some cash in my vehicle.I got $20 cash that this thread has a least 3 more pages in it.