people who don't carry cash

[OmahaCard79]

I don't carry much cash ether, but I try to keep around $10 on me for emergencies.

see.. there you go.. you're smart.. now the next time something comes
up you don't have to sound stupid by saying

"oooh, sorry, i don't have any cash on me.. you'll have to pay for me, thanks"

What exactly are you talking about here? Is this a lunch? Or did something come up?

If this is for lunch, then I can see your frustration. One knows they're going to eat, after all.

I actually have $20 in cash today, but that is rare. I always use a check card. But I knew I would need cash for something on Saturday, so I stopped by an ATM. Which, basically, is your point.

Perhaps when you go out with this person or persons, as you're heading out ask, "Do we need to stop by an ATM first?" Or, if you're meeting them, "I'll leave in a few minutes. That should give you enough time to go by your ATM."

it just happens randomly,

we go out to eat at one of our favorite places and the don't take cards.. and
no matter who we go with, when the bill comes what do i hear? "ooh.. sorry, i don't
have any cash"..

we go to the bar.. my buddy comes up to me.. can you give me a couple bucks for a tip..
i don't have any cash..

today at work there was a donation thing.. i ended up putting in for 4 people cause
they "didn't have any cash"..

i don't know..maybe i just notice it more cause i do always keep some on me..

I totally agree with this. I always have at least $50 bucks on me. It's never an issue, yet many of my friends never have a dollar on them. So, I'll always have to float some money at them. It happens at work a TON. We'll all decide to get takeout and someone will say "I don't have any cash on me, can you spot me?". I will, and many are good about paying it back, but you feel like such a jerk asking for your $6 back when someone has forgotten to pay you back.

good rant.

[KyCardinalFan]

Perhaps when you go out with this person or persons, as you're heading out ask, "Do we need to stop by an ATM first?" Or, if you're meeting them, "I'll leave in a few minutes. That should give you enough time to go by your ATM."

No. People needing to stop by the ATM every single time you try to go out to lunch is even more annoying.

Exactly. Which, if every time a group goes out, Omaha asks, "Does anybody need to go to an ATM?" They will eventually get the hint - carry cash or we're all going to the ATM.

Another option, Omaha, is when somebody says, "I don't have cash. Look stunned and say, "I don't either." Then when they bum off of someone else, pull out your cash and pay your bill. When they look at you incredulously say, "I didn't have any cash for you, not me."

[phins]

I never, ever carry cash. Any amount of cash I have on me, I will inevitably find some way, some how to spend before the day is over.

Debit cards are fantastic, join the revolution Omaha.

[docellis]

.

[MrSaigon]

i pay for almost everything with a visa.

last year it got me a nice new down sleeping bag, which is much more useful than cash on long backpack trips.

I skipped pages 2-5, so maybe this was addressed, but isn't a down sleeping bag really heavy?

[Spider John]

oh.. sorry.. i don't have any cash on me..

i'm so sick of hearing that..

Maybe you should quit panhandling

[AJ]

I carry my life savings in crisp $10 bills located in a briefcase handcuffed to my wrist.

Hey it works.

[EastonBlues22]

I put $300 in my wallet after Christmas last year. I do a lot of late night driving, and I don't take my checkbook with me on anything but the longest trips, so it's not a bad idea to have a good amount of cash around just in case. I just counted it, and I still have $190 of the original $300 left in there.

I don't think that everyone needs to carry around $100+ on them, but I do think it's a good idea to have something on you in case of emergencies/unusual circumstances. It never hurts to be prepared.

Also, for what it's worth, I never use debit. It's much too easy to lose track of how much you're spending. You only get a bank statement once every month, but most people look in their wallets at least once a day. If I'm constantly hitting up ATMs, that's another big neon sign that lets me know that I'm spending a lot of money. If it's not cash, it goes on credit and it gets paid off in full at the end of the month. Keep the credit history in great shape, keeps my money in my hands as long as possible, earns rewards, blah blah blah.

[JCShutout]

Also, for what it's worth, I never use debit. It's much too easy to lose track of how much you're spending. You only get a bank statement once every month, but most people look in their wallets at least once a day. If I'm constantly hitting up ATMs, that's another big neon sign that lets me know that I'm spending a lot of money. If it's not cash, it goes on credit and it gets paid off in full at the end of the month. Keep the credit history in great shape, keeps my money in my hands as long as possible, earns rewards, blah blah blah.

I have the opposite problem, if I have cash on me, I can justify that little $4-$5 expense, until 5 days later, I spent $20-$25 I shouldn't have, and I have to dip into credit to cover that last gas and/or grocery purchase for the month, which I can't pay back in full.

I have a spreadsheet tracking expenses which I update EVERY DAY. So when I use debit, I keep the receipt in my wallet until I enter it, and check it against the statement. I can't lose track of what I've spent because I'm checking every day.

If I use cash, I usually just estimate what I spent, and its easier for me to cheat here and there because receipts aren't as important when you use cash because they don't have any identifying information on them like a card number.

I also have an extremely tight budget, with $80/month for all entertainment right now, so its noticeable if I ever buy anything that isn't grocery shopping, car fuel, bills or I'm intentionally going out for entertainment.

[Molly]

omaha, stop lunching w/deadbeats!!