I wonder how many of you still carry cash.
I know that almost all of us on this board use credit cards extensively.
I have about $40 in my wallet 'just in case,' but I never use it. I could probably get away without carrying it, but I have it "just in case."
I usually keep $20-40 in a corner of my wallet in case I do need cash, but mostly it's me and my boss trading that $20 as we cover each other's lunches and what not.
I also keep a single check in my wallet for vendors that don't take cards.
Pre-COVID I used to cycle through two to three hundred dollars of cash between ATM visits, mostly for food at the company cafeteria and/or tips to hotel employees when I was on the road. In the last 13 months I've visited my friendly neighborhood ATM exactly once (last summer I think), and I still have about $45 left.
I'll carry cash when I travel, but otherwise I keep one $100 bill in my wallet that I have no intention of spending.
It's there if I need it, or if someone else does.
With so many credit cards paying me to use them, I use plastic everywhere that I can.
Since COVID I havent carried cash or a debit card, the only time I ran into an issue was when I wanted to buy Girl Scout cookies other than that I'm good.
Over the years, I've used my credit cards more-and-more and cash less and less. I never used debit cards and always hated them. For a long time, credit cards were mainly for larger purchases and you would have gotten funny looks or a denial to use them for fast food or coffee. Many vendors had minimums to use credit such as $5 to $10. Now, it's no problem.
Of course, in my early days of credit, cash back was the exception. I did have a Discover card as the cash back pioneer, but it wasn't widely accepted yet. I mainly used it for gas purchases and sometimes dining, things I knew I would be able to pay off easily. Larger purchases went on VS/MC, but that was usually $25 or more per charge. My statements were much more simple then.
I still carry cash and do use it sometimes. But my visits to the ATM are much fewer and farther-between.
When I have cash in my wallet, I'll spend it, so I try to stick to plastic only.
LOL, some folks say the opposite, having access to credit encourages overspending. I tend to think this varies on an individual to individual basis.
I don't carry it but end up with some when buying and selling stuff locally (ex: Facebook Marketplace and tag sale groups) when the other party isnt equipped to use Venmo. I really cant stand losing potential CB. I earned a promotional $150 debit card from my cable company and actually have anxiety over the fact I wont earn even the littlest CB back on it and has to be treated like cash. Unless there is a workaround I'm not figuring out. 🤷♀️