questionsdo you still carry cash?

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I carry cash. I'd rather use cash than credit/debit because you can't always see what happens to your card.

I always carry about $100 on me for meals, soda's and so on.

I watch clowns use a debit card to buy a soda. By the time they get done running their PIN they could have bought with cash and been long gone.

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I carry no cash on me, although I should keep a little bit in case of emergency. I even carry one of the Square debit card readers on me for use at work for when somebody does a food run. Whoever picks up the food, we just swipe them the cash.

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@lichme: How does that work?
I bank with chase and I know that you can send money via an android app, but the other person also has to bank with Chase.

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I carry a little cash on me at all times. I use it for small incidentals and in the case of an emergency.

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If I don't have $100+ on my person, I feel naked. Being prepared for any contingency, is priceless. I use cash for soda, tips (I never tip on plastic), and for the little odds and ends I am always buying. Though I do love my Discover card and feel just as naked with out it, also.

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@atd15: Its a card reader that you plug into your audio port. When you want to take a payment, you swipe the card and enter the amount (2.75% fee last I checked). You can email receipts and stuff with it to. The money just gets deposited into your bank account.

No annual fees or anything, and the card reader is free

https://squareup.com

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I keep a bit of cash on me, try to include some $5s and singles. Mostly it's for the vending machines at work (they only take real money), but I like to have a bit of cash in case of emergencies. Also useful if I go to a restaurant with friends and there's issues with splitting the checks or we go through the drive thru or something like that. So, mostly, I keep cash on hand for food purchases.

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@jsoko: That's crazy outrageous. Some of our Chevron gas stations (WA state) are charging more for using a credit card but it is only 10¢ a gallon more.

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Only if I'm going to a concert/show or downtown. Other than that, very rarely. Maybe a couple buck for the snack machine, but that's it.

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@theoneill555: Some stations near me tried the Cash/Credit different pricing, but most are now the same price (probably due to failure).

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@mtm2: What kind of machines do you use that take dollar bills on the first try?

I don't carry cash at all. Empty wallet except for plastic for at least a few years now. Once or twice a year I go to an ATM for cash back when I'm going somewhere that doesn't take cards.

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@theoneill555: Do they take Visa? That's against their agreement with Visa. They allow a cash discount, but they don't allow you to accept Visa while charging more than the listed price for a product. I say turn them in. Of course, they'll just change the wording around so it's a cash discount and it really is the same thing.

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I usually try to carry a couple hundred, but I haven't been good about keeping my cash stocked in the last few weeks. I'm usually just trying to be ready for meals out with coworkers. I hate imagining giving the wait(er/tress) a stack of credit cards; I think it's rude.

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I like yard sales, and have yet to find one that takes debit or visa cards.

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I carry cash for the farmer's market and the occasional lunch, and at least one bar of gold in case of emergency. You know, collapse of the free market economy, or if I need a bludgeon.

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@okham: LOL a bar of gold is always good. You can either use it to pay bills, or hit a zombie over the head with it.

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Gee, I feel wealthy if I have twenty bucks on me.

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The only time I have cash is when it's given to me (refunds, gifts, etc.) or when I'm going garage saleing.

I try and use my credit card for everything possible so I earn about $500 back in rewards annually and pay my balance off monthly.

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I try to have some cash on me at all times. Especially when I travel. When I was working in San Francisco a couple of years ago, I found that many mom & pop lunch places either only took cash or gave a discount for cash since they didn't have to pay the service charges.

That started me using cash for local businesses everywhere. They make a little extra on each transaction.

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I always carry cash and prefer to use it- it's just easier to keep track of what I'm spending that way.

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I always carry cash. I quite often deal in used electronics from individuals...They want cash...and I oblige!

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@omnichad: Yes, they take VISA. They have one price for Chevron cards/cash and another price for all other credit cards Needless to say that I don't buy my gas from Chevron.

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I never carry cash. I've been operating strictly on Credit Card transactions for over 5 years.

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Aren't all banks trying to add a monthly fee just for using your your debit card (ie: debit not credit)?

I agree with the sentiment of not wanting to charge a lot of very minor purchases.

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Cash is king. I used to use cash for everything, but noticed businesses were jacking up prices due to everyone using credit cards so I gave in and got a cash back rewards card that I use for most purchases. But I do still carry cash because, as noted above, some smaller businesses, bars, and gas stations are offering lower prices for cash or requiring a minimum purchase to use a card. I recently saw a bar owner go off on a guy because he kept ordering single drinks, paying with a card, and closing it out. Most people don't think about how much money it actually costs a business to use a merchant card service for the convenience of their customers. That's why so many retailers try to push their own credit card on you. It costs less to run their own credit service.

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@omnichad: All of them...why?

I don't have a problem with any machine taking my dollars.

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I always keep cash on me for "normal" purchases heck I have never even used a debit card. I never understand people that go into Dunkin Donuts for a coffee and a donut and need to swipe for $2. I usually will use a credit card for purchases over $50 or so but that is usually just because of points. When I get down to $60 or so bucks in my pocket I will usually hit up an ATM to make sure I have cash for whatever I am looking to do.

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Nope. When I go somewhere that doesn't take a card I feel like I'm in the stone age.
Also, if you don't have cash on you, you don't have to contribute to birthdays, funerals, boss' day, etc... funds that are pass around at work. "Sorry, little girl, I can't buy your cookies to help buy playground equipment because I have no cash on me."

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I'm with @mtm2 on this one. $100 in cash isn't what it used to be, so I try to keep at least that much in my wallet for dining out, fast food, tips, emergencies, etc. As a retailer, I have experienced many times when the ISP was "down" because of an accidentally-cut fiber-optic line and had to turn down sales because we couldn't take plastic and the buyer had no cash.

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When I was much younger, married, working, with a young child, I had very little money - every penny counted in a major way. I never charged anything at all that was consumable such as food, gas - in other words, I only charged big-ticket, permanent-type stuff. I never wanted to pay the interest charges and never did. Now that I am older and don't need as much and am not worried about money as I used to be, I charge mostly everything except for the ridiculous small expenditures already noted by others here. For me, and at this time of life, it works well not to carry cash.

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Rarely carry cash. I find if I do, I spend it. I do better resisting with a debit card.

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I always carry cash. This way I have a better idea of what I'm spending and what I've spent. And I'm never overdrawn. Use a credit card for large items.

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ALWAYS USE CASH

I use a debit card 2-3 times per month, everything else is either cash or a credit card.

We use the envelope system... At the beginning of the month, there is an envelope for groceries, one for eating out, one for entertainment. Using a debit card is psychologically different than using cash. Watching the cash in your wallet/envelope go down makes you think twice about every expense.

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I can't carry cash due to too much bacteria on the bills. If you seen the specials on where people store or place their cash and then it circulates back into the public, you wouldn't touch the stuff either.

Also its easier to talk myself out of buying something if I don't have cash.

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I carry a bit of cash, maybe $20-$40 just in case the need arises. If I have a small bill (e.g. fast food) I might use it, but other wise I'll use plastic.

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The top two comments mention carrying cash for soda. lets get some swipe strips on our soda machines. #teamswipestrip

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Always have $50-$100 on me, working shift work, somone always goes out on a food run, if you don't have cash, you don't eat. And I'm certainly not putting 20 some odd meals on my debit card just so I can use it. Just something about having cash on me that feels normal, I would be off without it.

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Cash for all 'normal' purchases (debit card for big ticket stuff, Paypal for web). I don't care to leave a trail of what I buy where and when...

I also haven't got a Facebook ID.

I work with computers - they can fail anytime, cash always works.

I try to keep an assortment of small bills as well (exact change), as a Dad I know what happens when I have all $20 bills and kid needs $6.50 for whatever... giving the kid access to my plastic is not a great idea either.

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I carry my Amex charge card and about $100.00 in cash and that's it. I'm not a credit card type of guy and I usually just pay cash for everything unless its a big purchase

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I like to keep at least $20 on me, preferably in smaller bills. When husband takes me to dinner, I like to leave the tip in cash as my contribution (plus, I tip better than he does).

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I'm suprised no one is talking about Venmo (www.venmo.com). This thing has made balancing money with my family super easy. Best of all, no cost whatsoever to us users and sellers.

But hey, I'll do anything to avoid Paypal.

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I use almost exclusively cash. I have a set amount each week for my budget. I carry a debit and credit card, but use them sparingly.

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Rarely, unless I'm traveling to NYC where credit cards don't exist.

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People keep mentioning how silly/slow it is to charge a soda/coffee and donut. How often do you all get one of these things that is an even dollar amount? Pretty much the cash people have to either dig out exact change or you give the cashier some amount over and they have to count out change. People don't know how to give change anymore, it feels like. So they always seem to be slow at giving change. I find it is way easier to just swipe my card (you shouldn't have to sign under $5-10), and the receipt prints. It's super fast and I get cash rewards. I do my budget and keep a total in my head or keep track of it online. Yes, it's a pain if I want to grab food with people at work but usually that just makes me the runner which usually works to my advantage because their stuff is like $5.60 and they give me $6 and don't expect change. I've gotten multiple free lunches this way

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I keep $100 in 20s 10s and 5s stashed in my wallet in case the need arises. I try to always tip cash so it goes to the right person or in case a store's network is down.

Sometimes doo-doo happens and you just need a few bucks to get you out of a jam. Also I'm not going to lie, I've paid cash a few times to someone when it would have cost me much more to pay the company they worked for.

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@tarasadie17: Me, too! I use my debit card for a lot of things, but whenever I'm flat out of cash is exactly when I'll find something at a yard sale that's PERFECT for something I didn't even know I needed. I also only use cash to pay restaurant tabs (dangerous to ever hand your card over and let it leave your sight), and only tip in cash.