Well I was just thinking, what do you count gift cards as? Because I drive so much, when I go to Krogers, I will buy gift cards for the usual lunch stops, and then use the gift cards for lunch purchases.

Anything that isn’t physical currency is what I prefer. Gift cards are similar to a debit card in my eyes.

Dont like using my credit card for small purchases, or anywhere the card leaves me to process a transaction.

For me at least it’s the small purchases that add up leaving me wondering where all my money went.

For me at least it’s the small purchases that add up leaving me wondering where all my money went.

 

I get that, other than lunch, I dont really make any small ones unless its a quick trip to krogers or something.

I rarely have cash, and 99.9% of the time I do, I use it to drop into the buckets of the people collecting in an intersection or I will give to a homeless person. I’m like MJ, in my mind, cash is already gone. I am much more diligent in watching what I spend on credit cards.

1) Curious how much cash do you carry on you at any one time? I think for me to have enough cash on me to cover any possible expense on a given weekend would probably be north of $200.

2) I guess I’d rather have my spare money sitting in a bank earning interest as opposed to in my safe.

 

That’s why you budget everything. You know exactly how much money to have on you at all times.

I rarely have cash other than a few dollars.

Dont have a debit card or ATM card for my bank accounts to use. When I need cash I got into the bank and get it. I use my credit card for lots of things over $100 or so.

 

How is using a credit card any different than using a debit card, in terms of safety?

I still use cash. I have multiple CC's but rarely use them.

They aren't any different.

 

Fees?

Sometimes the ATM may not be related to your bank?

Fees?

Sometimes the ATM may not be related to your bank?

 

Yeah that’s a difference, but most banks reimburse all ATM fees anymore.

I use cash for everything. Other than gas. I use my debit card for that.

 

Haven't even had a CC in my wallet in over a year.

 

I’m the same way! I changed it up with my debit at gas stations after I fell trap to one of those skimmer things. Someone was able to make a copy of my debit card and took out 1500 bucks from an ATM. The bank advised me to use cash or credit at gas stations. Apparently that’s safer.

How is using a credit card any different than using a debit card, in terms of safety?

My bank told me it was too. Not really sure how though.

My bank told me it was too. Not really sure how though.

 

They told you what?

They told you what?

 

That credit is safer than debit.

Yeah that’s a difference, but most banks reimburse all ATM fees anymore.

 

I thought the same until I got zinged for 2.75 with no 5/3 on the map. Usually only hit it up for my allowance but was out of town and needed cash for cover charges.