I had two reasons, the first is because i found it way too easy to spend on my card without thinking, and the second because I wanted to regain a bit of privacy alongside everything else I’m doing. Ive set it up in my bank that on payday, an amount of my salary automatically goes to the bills account, some goes to long term savings, some to short term savings, then the rest I take out in cash.
It really does change my perception of spending I think: Ive found myself not buying things because I didnt want to break a note and carry change. I can physically see how much I have left. I can take £20 to the pub and leave when its finished. Plus it feels really good knowing every single transaction isnt stored forever. I have a small amount of money on a contactless ring for emergencies like a bus fare or somewhere that unexpectedly only takes card.
Is anyone else still predominantly using cash day to day?
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I regularly consider doing this. Obviously it is great from a privacy perspective. But I hate dealing with cash, especially change. With cards I just have one thing in my wallet and it just works forever. My bank account is automatically charged at the end of the month. With cash I need to keep refilling my wallet and carry around annoying change.
I would love to have something digital but also private (like Monero). But so far I have been picking convenience over privacy.
Yeah this is me.
I acknowledge the privacy issues but cash is way too inconvenient.
Change is easy to deal with. Just give it to the people begging.
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If it’s low-value change you won’t feel any worse giving it away. And if it’s so valuable to you then it must be valuable enough that you can buy something you want with it.