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        )

)
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Is Cash King? Will we be a cashless society soon?

January 26th, 2020 at 08:40 pm

A couple of days ago NBC reporter had a story on whether we would be a cashless society. He really didn't answer the question, but talked about his experiment where he kept all his receipts after using his charge card for a week, and then all the receipts for using cash. It wasn't really a fair experiment in my book because he admitted he had to keep getting cash and that he had to replace a hard drive so that really drove his spending up. I think he should redo it and just see what he spends if he only has cash and when he runs out, he can't head to the ATM. He did admit that he was a mess as far as money so maybe there was some value in his cash v. plastic trial.

I know I blogged about counting pennies and taking them in to put in our vacation fund. Fortunately our credit union lets us bring change in and doesn't charge us. I did take some wheat pennies into a coin shop. I knew they weren't worth much, but figured anything over the penny was better than nothing. I realized a dime for my troubles, but it was an errand that didn't cost me anything but a few extra steps since I was already near the coin shop. The young man who waited on me said that wheat pennies aren't collected very much anymore and most people just melt them down for the copper.

Most of my friends rarely carry cash. They bring out that credit card for everything. And those friends are the ones who complain about being short of money. Two of my friends use cash for most things. That is not to say they don't use credit cards or pay with checks, but for some of the mundane things, they use cash. DH almost always pays cash. I had read some articles years ago that said if people saw the cash they were spending, they would be more mindful.

A couple of years ago a friend who never carries cash had an issue with his debit card. It is one of those that is both a debit and credit card. Something happened that made the bank lock down the card and it was over the weekend and he could not get a hold of anyone. He had no cash at home. No checks. And he and his spouse do not keep food in the house -- they shop before most meals unless they go out. He said he never thought what it would be like not to be able to buy gas, buy groceries, or even a cup of coffee. When he got in to the bank early Monday morning, the bank manager said it would take a couple of days to figure out what was going on and unlock the accounts and he suggested from now on my friend should keep some cash at home in case there is another problem.

So, if we do become a cashless society, what happens when there are glitches. With all the technology problems, hackers, etc, I can see this happening if we depend on cards, Apple pay, or whatever else is out there.

Birthday Musings and Benefits

January 5th, 2020 at 07:58 pm

Today is my birthday. I"m 59. I'm sitting here thinking I had no idea what my life would turn out to be and how incredibly blessed I am.

DH is going to treat me to a supper tonight at a restaurant we rarely frequent. I'm looking forward to it. Yesterday we went shopping. Clothes shopping is not something I enjoy, but did find a few things that fit that I liked. That was my birthday.

I don't go into detail about our investments and such, but growing up, we didn't have much. My folks worked hard, but most of the jobs didn't pay squat. When I started out, I worked two or three jobs to make ends meet until I could resort to one. My dad constantly drilled into me, get an education and if someone offers to teach you something, learn it gladly. All these things paid off for me. I look at some of the people I went to high school with and they had better opportunities and many didn't take advantage of them. I don't want that to sound like a snob, because I don't mean for it to be that way. Just that some had parents who would have paid for them to go to college and they didn't, and now complain they don't make enough money or that life is unfair. Anyway, we are comfortable. I can basically buy whatever I want and as I grow older, there isn't really a whole lot I honestly want because I have so much now.

One of my friends gave me water color pencils and a book to journal and color in as I read the Psalms daily. Neither of these things I would have purchased for myself, but I'm sitting here thinking, what a thoughtful gift and I'm going to enjoy using these items.

Amber was talking about her credit cash back and I recently had $150 credit cash back on my credit card. I was waiting to get it up to a decent amount and then applied it to the bill. I'm getting ready to use some Ibotta credit at Kohls to buy some new sheets to replace some that have worn out. I was thinking about how old these sheets were and I know one set has to be at least 10 years old. I think we got our money's worth out of them. The other set I'm not sure and I've mended them a couple of times, but the stuff keeps ripping out. I'm using one of the sheets as a cover for DH's chair when he comes in all dirty and sweaty from working in the yard so he can sit and rest before going back out. There' something exciting about cashing in these items that are found money. Like CB I pay off our credit cards each month so we don't owe any interest. I prefer making money instead of giving it to credit card companies.

Having read LivingAlmostLarge's entry about Saving Advice folks being friends as we share our ups and downs, how exactly correct that is. I feel like I have shared many things with so many of you. What a blessing.

Well, I've probably written more than I should, so I think you'll find me coloring!