I prefer to use cash for a lot of transactions, a fact that means I get frowned upon a lot considering the current pandemic debacle we're in as card payment, contactless, is preferred as a method of controlling the spread of the virus (apparently). It all sounds a bit dodgy to me, but that's the world we live in.
I have a credit card...Well no not really. I have a VISA Debit card linked to an account so when I use it I am spending my own money. My wife has a credit card though which she runs all the business payments through for trackability purposes and Xero Accounting software takes bank account feeds making things a little easier for the accountant, who still charges me like a wounded bull mind you! Anyway, I have a secondary card linked to that credit card she has but in the last five years haven't used it once.
John Monash, engineer and Lieutenant-General Australian Army, looks pretty annoyed that he may soon be redundant. I for one will lament the arrival of a cashless society.
For us, anything that is tax deductible, business expenses, and needs to be tracked is payed for by card, my debit card or my wife's credit card and other things are payed for with cash. It's not as easy to do so of course but I don't think the government need to know everything I purchase...So cash it is. For the record, my wife's card is paid off in full at the end of each payment cycle - We're not one's to rack-up credit debt, or to pay interest.
It's becoming increasingly difficult to live without a credit card, not impossible mind you, before you jump all over me for this statement, just more difficult each year. I feel that eventually we will be in a totally cashless economy but until then, analogue people like me prefer cash for as many payments as possible - I would use it for everything if I could.
There's a lot of talk about crypto-currency becoming more mainstream these days, and despite me calling myself analogue back there I actually have a VISA card that loads with crypto-currency; I don't count that as a true VISA card though which is why I didn't mention it above, but I should I guess as it works the same. I have the Wirex VISA in case you're wondering.
Here's the thing though, the government still know when I use it! That's right, it's treated like any credit card and, here in Australia at least, it's trackable by the government, like all VISA cards. That sucks.
I have used it once so far as a purchase-test, and once at an ATM to withdraw some funds, also as a test. It works so I have a way of spending crypto-currency if I choose to, but it still makes me nervous knowing the government track it for taxation purposes. I guess it's the way of the future though...And As the use of cash declines, so will our financial-anonymity.
How about you? Are you a cash-user like me where possible or do you use your credit card for everything, a much easier way to purchase considering people have their cards on their smart phones these days. Do you see it as risky or is credit cards on phones safe in your opinion? What are the pitfalls, the negatives of credit cards, besides the obvious debt-scenario people get themselves into. How will crypto-currency change things? How will the inability to use cash affect you, and society in general? I'm not an expert here, so if you have some opinions please let me know!
How much in the wad?
I posted this photo a couple says ago and asked you to guess how much is there, also saying as a joke, that you'd win it if you guessed correctly.
The wad of Australian $100's.
I was truly amazed by the guesses to be honest; I found it interesting that they came in from around $2,000 to $14,600 or so. I think it goes to show how seldom people actually see wads of cash like this...Largely due to the cashless society ethos I suppose. Trust me, $2,000 is not an impressive looking stack of money.
You can see that post here and below the actual figure which no one guessed, unless I missed it. Not that it matters, clearly I'm not parting with it.
The amount in the wad of cash is $13,600
I know, it doesn't look like much but money is thin right? It also doesn't go as far as we would like I guess and I'd be happy if I had some more of these wad's laying around the house. Having said that, when hyper-inflation comes along $13,600 might be what I need to buy a loaf of bread - Time will tell, probably sooner than most expect.
Anyway, let me know what your thoughts are, *cash or card? What's your thoughts?
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I haven't used or touched cash much since my last vacation in 2019 =/
Don't really need it where I live and haven't since around 2016.
I keep hearing stories of morons literally laundering it or even microwaving it to disinfect...guess what it works, but not in the way theybwould hope.
I was gonna guess 10k in that stack. Who keeps stacks of 139 x 100? Peobably someone who uses it.
Australia makes Canada's money (at least the blanks), so they look similar. Probably looks cool under a black light, just like the newer passports.
I go through most of my working week without touching cash as everything I buy is tax deductible, food, fuel etc. and so it goes on the card for tracking purposes. Come the weekend it's cash. We don't spend a lot though, so it's maybe some fish and chips at the beach, an ice cream or movie or some such thing. It's getting harder to spend it though as most places simply refuse, which they are not actually permitted to do, but they are getting smart..Sorry, I don't have any change or whatever, then you're forced into using the card. It sucks.
I didn't know we make your polymer blanks to be honest but it makes sense as Australia was one of the first countries to use polymer notes. They have some good security features in them but occasionally fakes turn up. I guess it happens there too.
Makes sense to use it at beaches and out of the way places especially on weekends.
It's been discouraged here because of the pandemic, also Samsung Pay and such. The government wants to release a central bank digital currency soon.
It will be great for taxing and such, but annoying for evading that or trying to keep privacy.
I live in Korea, not Canada, so I don't know if its being counterfeit. I assume yes. The last thing I read was morons were melting it.
Uh I left my wad of bills on the dash of my car in the hot sunand they melted together. I can only imagine the insurance companies getting wind of this and raising their rates, lol.
Apparently Canada is making the older bills no longer legal tender in the new year (definitely pre-1998 stuff, not sure about the series before thebplastic). So I imagine that's still easier to fake.
I don't know if I'd want my money to melt, I work too hard for it. Lol. I think they have a heat tolerance of something like 120C though, so it's unlikely I'd lose any. I can't afford to! 😆
Solid advice :)
I like to use cash for small expenses under $20, the card is for larger ones as the card fees of goods and services are already fixed into the purchase price with no option of a discount using debit or hard cash. Why not accumulate the Points which is about an average of 2.5% rebate on all my Transactions. It's a bit concerning that they track my buying habits.
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We gain flier points with Qantas on my wife's card which is why we put most things on there, all household bills and I even bought a car on there once. Loads of points! They gave a shop and we exchange the points for gift cards that we use at the supermarket we shop at and save a few thousand a year doing it. It seems like the right thing to do. OK, I'll not lie...Sometimes those gift cards get spent on Lego for me too! 😂
Oh! wadda disappointment. I couldn't pocket those A$13,650 because I was without internet and couldn't get online in time to guess the number.
And yeah, please. I don't care if you've said this as a joke or not. Please count the bills in that wad again. ¡One more time! Because I'm sure you've made a serious mistake in counting them.
I wrote a quick & dirty image processing script in OpenCV-Python which is infallible. Did you hear me? I.N.F.A.L.L.I.B.L.E. And I swear by my mum that there were exactly $13,650AUD in that wad. Because my software is never wrong. And I know you put a 50 bill somewhere there just to throw us off.
Lol, yeah, slipped a $50 in to bugger everyone up...Worked a treat! 😂
Holy Moly! It is seen that the image-servers that host the images of the Hive blockchain went to shitland at the moment. LoL
I don't know if it's just me, But I couldn't load and see any Pic throughout the comments so far. Not even the user's avatars and not even here in Hive.blog, Leofinance.io nor in Peakd.com either.
So, just wait a few minutes until this "images massacre" be restored again. That's when you will realize why I say that my quick & dirty software is infallible. :)
On other hand...
Oh yeah, and never forget that we Venezuelans are already experts in hyperinflation and in identifying wads, boxes, heaps, pallets and wheelbarrows of bills at naked eye. So don't try to convince me you didn't put that A$50 bill in the pile. Hahahahaha
Yeah, I think the image servers are down. It'll rectify itself.
Oh! thank you! :)
Phew! for an instant I thought it was just me. Because with this hyper-lousy and sluggish internet connection that I have you can never know what's going on at any moment.
Nah it's me, you and a whole lot of other people too I'd imagine.
It is months since I have had more than $10 in cash. Never use it for anything anymore.
That $13,600 will be worth about $10,000 soon enough, so I think I win. 😁
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Haha, yeah you're right of course, inflation will render the stack worthless at some stage which I think will be much sooner than most expect.
I was amazed by people's guesstimates to be honest...I didn't expect it but maybe that's because I use cash a lot and have more concept. I know people, young people, who literally never use cash, everything is card-based. It shows in the shops when I pay and they can't count-back change to me, they sort of dump it in my hand in a heap. Back in the day they would count back the change to total the amount handed over less the goods price. Those days are long gone, along with manners and eye contact from those behind the counter. Manners in general, I should say. Am I showing my age here? Lol.
Never had a credit card and I don't think I'll be looking forward to getting one. It's convenient I suppose but my lifestyle of keeping things simple and thrifty helps me thrive without worrying about a credit card's interest rates.
Other than that, the culture where I live, the average citizen isn't able to handle the responsibility of having a credit card. We got a low score on financial literacy, Philippines. Not a surprise for a developing nation but the upper middle class gets to enjoy the benefits.
I like sticking to cash. Gives me more control over my finances as I can physically see my money being given away and it triggers some responsibility to make sure I'm spending it right.
Never did it crossed my mind to have that wad of cash exceed 5,000 value. You're right, I'm not used to seeing that amount especially with papers so thin.
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Cash certainly gives greater control of one's money. Feeling the pocket getting lighter and lighter as the cash disappears has a certain value from that perspective. With a credit card one just keeps going with no real clue or accountability on the amount. That's why cards are so dangerous. I put an amount of money into the account linked to my debit card each month and that's all I use; The amount takes into consideration most of the things I spend on week to week and mostly I stay within in unless something unexpected turns up. In that case I transfer more from savings as needed...That way I have to think about what I'm spending.
We stick to a fairly strict budget and are not spenders really as we have a need over want ethos. We don't buy for the sake of having things, we do so when we need the thing.
I like your cash only policy and don't think it's a bad thing at all. Credit debt is crippling and if a person can't manage their spending well then it's best not to have cards. I don't mean you, just anyone.
I'm afraid that in most places it's going to become impossible not to have a credit card and that condition is accelerated due to the pandemic. I hate it and would rather a more simple life, and yet it's not really possible here.
Thanks for commenting, I really appreciate it.
This is what I'm mostly afraid of. The records can be electronic and an error can happen anytime. It's hardly a common occurrence but there is some form of empowerment knowing that you can account for all your finances. It's good that your partner also shares the same goals. That makes your whole financial plans on track easier. Thanks for taking the time to reply as well, it's much appreciated. :D
If my wife Faith was a spendthrift it would be much harder to manage things; We do most things together though and after thirty three years together make it all work pretty well.
!ENGAGE 25
ENGAGEtokens.I always prefered using cash instead of a card. Even though I own a card, most of the time I opt-in for paying with cash. I worked in a bank for a couple of months and seen quite a lot of things that determined me to prefer paying by cash, but thinking about the current times, we are more and more encouraged to pay by card, so I may do a change in my preferences :)
Yes, they like us to pay by card as it allows more control from a tax/income/expenditure perspective and better tracking of our spending habits. It also helps keep people in credit debt and that's exactly how corporations and governments like it - There's no real benefit for the consumer.
We have continued to successfully avoid credit cards so far XD
As I said on the other post (where I also had a nice little convo with a couple of other people about this), I prefer to use cash partly because I like the harder trackability of it (it's still trackable but that requires a bit of effort) and mostly because I can't read numbers very well so it's easier for me to keep track of how much money I'm using each cycle.
Story seed: cash is forced out, most people don't care because well cards are infinitely more convenient anyway, problems start happening because people's accounts get frozen (either maliciously or erroneously), no one cares because well that was just a glitch or those people were criminals who clearly deserved to have their assets frozen and be left destitute, up til the point where suddenly it's them or theirs for no good reason, govt etc wages war on the more uncontrollable crypto projects which are getting more and more uncontrollable as people realise there are problems and start jumping on board (some having to work their way up with things like hive because their accounts have been frozen for no reason and they can't buy in XD
I think it's smart to avoid card-use where possible for the reasons you mention although it's increasingly difficult for many people; As you say, it's easier to do things with credit cards. Take travelling overseas for instance which is largely impossible without some form of card use, especially when the law dictates one needs to declare cash-amounts being taken from the country over $10,000. So, people have cards to book things like flights, cars, activities, accommodation and so on...It's incredibly difficult not to.
It's the same domestically really although there's still some ability to use cash and so we do. It's very difficult to hide money/income these days with banks requiring TFN's to set up accounts and the ATO able to delve so deeply into ones life...That's exactly how they want it though I guess. Besides, it's good for people to be in credit debt, or so some of the big corporations will tell you. :)
But that level of
invasionoversight is good because it makes sure that "everyone is paying their fair share", not that big businesses and corporations ever pay their fair share, but that's fine because it stimulates the economy and creates jobs so... XDI didn't even think about the travelling thing, yeh you can see how often I travel. Once upon a time we did have travel plans, but then that closed in because we decided we wanted to see more of the country before we hit overseas, and then the roots went in and J turned into a complete homebody who doesn't want to go anywhere for any reason.
Good point, the problem is that many of the most richest people pay no tax at all, or incredibly small amounts compared to their incomes. That's how it's designed though I guess, keep the little people in their place.
I know you're not much of a traveller which is why I mentioned it. Travelling without a card, I mean flying, is extremely problematic and that's another reason we have a card. Life isn't simple anymore.
I'm pretty anti-globalism when it comes to crushing out cultures and languages. But I think I'd be happy with some international currency (of the dentralised variety because pegging everything to USD or any other country's currency can die painfully and horribly in every way) that's accepted everywhere.
Hmm, now there's an idea...It's funny how we seem to come up with all these good ideas, but none ever see the light of day.
So one thing I've noticed when meandering around the various outposts of the FOSS community is that there's a small handful of people who already have what they want who are morally outraged and angrily opposed to anything that doesn't align with their visions.
I figure it's the same reason why so many good ideas in the wider world also never see the light of day or otherwise really struggle to get off the ground.
Except in FOSS the ideas getting screamed down have a prayer of happening if the idea is actually good, might have been on the roadmap anyway (perhaps the feature was intended to be implemented "at some stage" and gets bumped when the devs realise that more people want it than initially thought) or someone with the skills steps up to do the dirty work (and then bonus if people with money chip in to help).
The money thing is a bit harder because more moving parts and is probably going to get uglier (please surprise me here universe I don't want it to get uglier XD)
Cash or Cashless, now I say stick with all three....
Cash is more personal. When government lock-downs arrive, bans placed on certain items, sorry black market only work in cash. Want those beers or ciggies a couple of months back? Tipping car guards, paying local veggie store only in cash it's the only way some work over here still.
Card system, yes the great "pushing people into the future" did arrive, only using a card at supermarket tellers now, so forced to us the plastic whether you like it or not. Bank fees, you do the work, they take monthly charges, every debit order costs.... a lot!
Cryptocurrency, so long as it is out there it cannot be tampered with except by slick scammers. Bring it back into local fiat, every penny is declared through Tax! Early years about four ago it was overlooked, not so any more.
To keep living a slightly balanced life, kinda like in some control I say keep your finger in all three pies, time will come when we are dictated to as to how we are to spend permanently.
Looking back/Looking forward our Tax system data is pre-population from medical aid, insurance, earnings, bank accounts as of 2020 tax year, so yes hang on to some cash they know what you had for breakfast!
As time goes by I think we'll see more businesses push towards cashless, a similar scenario to how Uber works, not that I've used it. A person has an account and pays online so no money changes hands, the same as a credit card works. It's easy for the consumer and for the merchant plus the government get to know everything as well...A sad state of affairs if you ask me. Let's soo how long it takes...Within my lifetime for sure.
Idea of crypto being exchanged for goods and services initially looks and sounds good, repercussions with government, big corporations climbing on board, well not so sure anymore.
Having witnessed enough change from Medical Aids to straight up Medical Insurance ripping you off in small print. Hidden agendas all along the line I hope I am ready to tackle next move to cashless, have not received my sell-by-date yet 😁 who knows, clock is still ticking!
Don't even get me started on health insurance scams Joan! 😂
Finesse of white collared thieving is bewildering to say the least!
I don't have a credit card. I have a smaller stack of cash for emergency purposes that a credit card might be useful for.
I too have a Visa Debit card that I use almost exclusively simply for the convenience. I don't do any 'off the books' stuff anymore, so I don't mind that I can track every purchase in my bank account. I spent several years where my bank account only paid obvious bills. Mortgage, utilities, groceries. Everything else went through the Bank of Tom. It didn't do my credit rating any favors but I don't give a shit about that. I applied for a Credit Card a few years ago and they turned me down due to lack of history. Saved me from myself, as it were.
Cash above ATM amounts is a little tough for me to come by right now. My bank is 'appointment only' in the lobby... Sounds rather fishy to me.
I was just sitting here trying to remember the last vehicle I bought with anything but cash. It's been a solid 30 years or more...
I remember the good-old-days of waling into banks...These days it's all ATM's but I hate them. I still go to the branch to deposit cash or remove large amounts, anything over $500. They make it so awkward though. I might be the only one in line and there's two tellers both of whom ignore me for as long as possible, hoping I go to the ATM I guess. Idiots.
Then I arrive at the counter and they say, you can do this at the ATM you know. Read that exasperated tone.
I say, hmm, yes I know, but I value a more personal social interaction when I do my banking, if that's ok with you?
Oh, but it's so much easier for you.
I pretend to think about it for a few moments and then, no, I think I'll stick with this more personal approach for now. So, how are you and how's your day been? Nice smile on my mug of course.
They hate it.
Fancy working for an employer that pays you to coax people out of using you in preference for an ATM that will eventually mean your redundancy. But the digital world creates more jobs G-dog! Yeah right, and pigs fly too.
Like you, I prefer cash and will continue to use it as often as I can and until it has no value anymore. :)
We have so many old people that the tellers are pretty good about taking care of customers. I know my local branch manager and generally at least say hello to her when I'm in.
My limit is about $100 from the ATMs. I know where every hundred and 50 goes, but the $20s I get from the ATM tend to leak away :)
I always have a couple thou in 50s and 100s when I head out on a trip. Just in case...
That's good to hear, that the oldies are looked after.
I don't get to see $100's very often. When we get them they go straight into the safe. :)
P.s. Have a look at Discord Tom. Messaged you.
Personally, I rarely use cash at all. My debit card is well-worn in, though.
Not using cash serves a dual-purpose for me; I can track (as can the financial institutions) all of my purchases, but I can also tell my boys, "Sorry, I can't get you ice cream right now, I don't have any cash on me." (that will work until the youngest realises that the ice-cream place takes a debit card).
Ah yes, the old sorry lads, no cash, no ice cream ploy. Smart man, smart. 😆
My debit card gets a hammering all week as I need to track, and claim, expenditure as tax deductions...The weekend I do sometimes also, but mostly it's cash. If I was off hunting for instance I fuel up with diesel and claim it so pay by card. If I was off on a (personal) road trip interstate I can't claim it so use cash. It works well. To be honest though, it's getting increasingly difficult to pay with cash and the looks I get when I fork over a couple hundred in cash...They're like 🙄, I'm like WTF, take the money mate, take it! Legal tender and all. I'm not sure if it's legal to refuse cash payment to be honest, I think it is though.
I know in the US (my current home) and Canada (my homeland), legal tender must always be accepted as payment if offered. I suspect it'd be similar elsewhere, otherwise the entire concept of legal tender would begin to crumble and the economy would find even wider forms of barter, which is super hard to tax.
I will admit, I do miss the days of my youth when I'd wrap a $20 bill around a fistfull of $1's to make myself look loaded.
I think it's the same here, legal tender has to be accepted...People are not though, accepting it I mean. Crazy times.
personally i have a "internet" card, used for foreign currency buying (ebay, ali...) and i have a bank account but don't have a card. some years ago i had an altercation with the bank where i had money on the account but found out i can't use it with my card because i did not have an regular paycheck deposited on it. So i could not use my money, only to withdraw personally in the bank. So i just said, f u and got all my money out. using my account when i have to.
but i live in a place where cash is still an everyday thing.
You're lucky that cash is still king there! Here merchants shun it as if it's got the plague! Bloody idiots.
That story about you not being able to use your own money from the bank...I've heard that before. It's another way they seek more control...Sorry, you can't do that unless you have a credit card. Same as, sorry, you can't go there unless you have the covid vaccination. Control measures, that's all it is. Pisses me off. It's good you worked around their idiocy and have the ability to mainly use cash - So many do not.
few years ago the change really started, and sometimes i feel weird when i say i will pay with cash, but i never had any problems with it, no one still cares.
If i am lucky enough, maybe i will manage to skip the card thing and get to crypto payments in few years :D
Yep, that seems a good plan...I mean you'll need a card for your crypto I guess but if you can avoid a fiat-based credit card until then? I'd say job well done. I don't think it's far off, mainstream-use of crypto so lets hope BTC goes insanely high and we all get some benefit from being early adopters.
I am great believer in the virtues of cash. For a period of about 5 years, in the aftermath of the great recession, I didn't even have a bank account and solely used cash. Working in restaurants making tips did nothing to discourage my fondness.
One of my favorite arguments in favor of bitcoin in the early days was that it had value because the black markets on the darkweb would accept it. Anything that you can exchange for guns, drugs, malware, or stolen credit card numbers inherently has value. In a similar vein, there will always be a demand for untraceable forms of payment, whether it be cigarettes, cash, or some form of crypto. The medium really doesn't matter as long as parties continue to agree to do transactions with it.
For that reason alone I suspect that those heralding the demise of cash are jumping the gun. Paper money may meet its end but a similar substitute will likely replace it.
I'm waiting for the day the apocalypse strikes and fishing hooks and line, Band-Aids, toothpaste, needle and thread, silver, good knives, scissors, disinfectant, bollerwagon's and the like become the currency...Oh, and survival skills. :)
Let's see how long cash lasts; You, at least, are young enough that it possibly won't last your lifetime.
In that case hollow points or match grade rounds become currency. What's a bollerwagon?
Precious (or just useful) metals have been 'cash' for thousands of years, I'd be willing to wager that the same would hold true even after the apocalypse.
A bollerwagon is one of those pull-carts people have, you know, a load area with a big wheel at each corner and a long shaft; The front axel is on a swivel for easier steering. I think bollerwagon is the what they are called in Germany and we don't call them that, but whenever I get the chance to insert bollerwagon into a comment I do so. 😂 Google bollerwagon then hit images and you'll see a bollerwagon. OK, so I count 5 bollerwagon's, six including that last one. That's enough bollerwagon's for one comment. Oops, there's the seventh. 😆 Small things amuse small minds mate.
Yep, ammo, guns, cleaning equipment, ammunition components, sharpening stones, paracord etc...All good currency in the right circumstances. (Useful metals too as you say.)
P.s. Bollerwagon
Anything I purchase in person I pay cash only and any internet purchases are done on a visa debit card. I have never had a credit card.
I recall as a young kid, 19 years old maybe, I got my first credit card...Maxed it out like a total dick head and then spent a couple years paying it off. Lesson learned. By the time I was 22 we were saving for our wedding which we payed for totally ourselves, and since then we've been pretty good with money. The debit card thing is the way to go as one uses savings...Harder to max it out although it can still be done - Savings will only go so far. No interest though.
Glad you learnt early on off the credit card pitfalls.
Sometimes I think back and can't believe I ran the card up...It was only $3,000 but that was a lot of money back then. I didn't have a lot of stuff growing up I guess and sort of went a bit crazy with it. Fortunately I learned my lesson. Valuable lesson!
Cash. I like the smell of it since my grandmother had it hidden all over the house, stacks and stacks of it. No trust of banks there at all. Plus, you can bury it, then come back later and dig it up and no one needs to know your business...
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I'm not one to trust the banks too much and that's why I have cash at home and other places. I prefer to keep it in metals but have some small amounts of cash as well. I like to be a little diversified. I like you grandmothers strategy too though...Always pays to have some cash squirrelled away around the house.
Ahhh, so close! Cash is King!
Yep, you weren't far off at all. Maybe next time. :)
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I agree with @joanstewart, as we are from the same place.
Many dealers also give great discounts for cash, as they don't declare it in their books.
Over here there are hundreds of shops owned and run by foreigners and they regard cash as king, and they don't pay income tax.
The black market is run by syndicates, need I say more?
Yes, cash tends to make its way directly into the pocket of most merchants I guess - It's difficult to do much here as the government can audit a person very easily and see if their assets and expenditure marries up to their declared income. It's a very simple, but invasive, process I've heard.
No way that they can audit everyone here as they don''t have the manpower and the people know that. A big booha was created when someone suggested lifestyle audits and even the illegal building inspectors seems to be non existent. A free for all if you ask me.
And yes, cash is king!
I'm not sure how it works there, but here they can't audit everyone - I'm not inclined to break the law though as so I don't, many do so however.
Yeah, we also keep things straight but over here it would about on in ten that would stay straight. You can buy anything here, university degrees, ID books, birth certificates, guns, cars, think of it and it can be bought.
We have a black market here too, but I think it's much less prevalent and limited than that which you describe. A good thing I guess, and not, depending on the item.
Syndicate infiltration my friend. They know in which countries the people are on the take and they simply target those people. Once the seed is sown and the terrible growth starts, there is nothing that the takers can do about it.
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I used to be the all cash guy that resisted the digital age. I since have caved and use my card all of the time and whenever possible. Between business stuff and personal, we rack up a good bit of "Cash Back". I used to do the air miles thing, and the points, but the banks make out better that way. We never carry a balance and have the automatic payment set up. Most of my employees are set up to receive direct deposit except one who likes to "Cash" his check and have the money in hand to spend. Since I run payroll early in the week, most get the money deposited earlier than payday.. I keep telling him this, but he likes the paper check and feels its more secure. Whatever.. make my life more difficult why don't you!
I wonder how many out there still receive a paper check? And how many of those trade them for cash instead of just depositing it.
You mention the cash back thing? That's a reward you get from using credit? We have Qantas frequent flier memberships so get points which we spend in their online store to get gift vouchers for the supermarket we mainly shop at; They do fuel also so it works as good as cash I suppose. We save thousands a year by doing that but still use cash for other things, the more entertainment oriented things...No need for the government to know what I do for fun.
I'm not sure it's possible to get paper cheque's for payroll here anymore. It's all electronic transfer. I remember when I worked at the GM auto plant, I used to get paid in a packet, cash. That was a long while ago though, and they eventually went electronic. It was kind of cool going to one of the pay offices (it was a massive plant) and picking up that yellow envelope with a thick wad in there. I reckon you should accommodate that guy and his need for his paper cheque. I mean, it not like you have anything else to do BD! 😂