I had two reasons, the first is because i found it way too easy to spend on my card without thinking, and the second because I wanted to regain a bit of privacy alongside everything else I’m doing. Ive set it up in my bank that on payday, an amount of my salary automatically goes to the bills account, some goes to long term savings, some to short term savings, then the rest I take out in cash.
It really does change my perception of spending I think: Ive found myself not buying things because I didnt want to break a note and carry change. I can physically see how much I have left. I can take £20 to the pub and leave when its finished. Plus it feels really good knowing every single transaction isnt stored forever. I have a small amount of money on a contactless ring for emergencies like a bus fare or somewhere that unexpectedly only takes card.
Is anyone else still predominantly using cash day to day?
In the US, I’ve started paying in cash to combat the aggressive tip buttons (your options are: 20%, 30%, 40%, or Other). With cash, I feel free to provide a reasonable tip for whatever service and they see it and appear appreciative, even if it’s not the 20% the little tip screen attempts to strong arm you into.
You can press “no” or “custom.”
Still less convenient.
Handling cash is less convenient than a couple taps.
They’re probably close to the same amount of inconvenient. The cash tip jar feels better than doing the custom option which feels like I’m specifically trying to tip less (at least that’s how I feel whenever I use it). I don’t like feeling that way and would rather feel positive about dropping cash in a tip jar than feel bad about adjusting to a similar tip on the screen options.
I know it’s stupid, but it’s just how it makes me feel when using the screen.