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Hi, guys and gals.
Since I primarily use 2 credit cards for everything, AMEX BCP and Citi DC (and sometimes Target MC), I rarely (if ever) use cash (but my wife does).
For the new year, I am thinking of going completely cashless and just using cards.
I also don't pay for anything with my phone and do not want to.
I am curious about how many others do not carry ANY cash and do not pay with iphone apps, and whether this has proved to be a problem in any meaningful way. What is the worst that has ever happened with you?
My wife thinks that I should carry at least $20, but I really prefer to keep my wallet (Bellroy Slim Sleeve) as thin as possible.
This is, I admit, a little off-topic, but please share your thoughts/experiences.
Happy Holidays, by the way !!
I only carry cash unless I forsee needing it. Mainly when I am going to an event, or going out of town.
Although I've carried the same 2 dollar bill in my wallet for the last 5 years, and added a couple more about 6 months ago.
I always carry at least $100 on me as two of my favorite places to eat only accept cash. I've also ran into issues where I've needed it as a tip. But other than that, I pretty much only use my cards.
I carry the same $20 for months at a time in Canada, but find I need cash in the US (Manhattan). Not for emergencies, but for that bottle of water or pizza slice you suddenly need desperately.
I couldn't imagine using physical cards anywhere if I didn't have to, but pretty much anywhere contactless is accepted you can use a physical card, so it wouldn't make things tougher for you.
Since you're committed to carrying cards anyway, not slipping a thin $20 bill in with them seems a bit like cutting off your nose to spite your face.
I don't think I ever carried cash for the last decade.
I do have quarters in my car for parking meters and Aldi shopping carts. I also carry a debt card in case I need cash. I think as long as inside US is concerned, cashless is fine for almost all occasions.
@Mv350 wrote:
Although I've carried the same 2 dollar bill in my wallet for the last 5 years, and added a couple more about 6 months ago.
I do that too - I have a pair of them in mine
I can't remember the last time I intentionally carried cash with me. If I need cash when I'm out, I have debit cards to hit up an ATM with or my Discover card for cashover. When I carry cash, I spend it. It never fails. I am awful with cash which is weird because I'm great with plastic.
I try to at least carry some cash for emergencies or impromptu lunch orders at work. But these days, it is basically $20 or less since I use credit cards as much as possible for points/cash back.