View Poll Results: How do you pay - cash or card?

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  • Always with my card

    13 17.33%
  • Mostly with my card

    41 54.67%
  • Mostly cash

    17 22.67%
  • Always cash

    3 4.00%
  • I can't decide

    1 1.33%
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Thread: How do you pay - cash or card?

  1. #31
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    Re: How do you pay - cash or card?

    Quote Originally Posted by Canell View Post
    Hi all

    Simple question here: do you pay cash or with your card?

    I would say that paying with a card is quite dangerous in terms of privacy - the bank knows all your moves and habits, what you buy, where you go and when you go. I'm not comfortable with that to say the least.

    So, what do you think?
    I pay everything possible with my credit card, and pay the balance off every month. My cable, cell phone, monthly donations, medical insurance, electric, every monthly bill that offers it? I put on my credit card. The cash I carry, which I might replenish every month or so, is mostly used for tipping.

    Every once in a while, my credit card habit saves the day when I dispute a charge for one reason or another. I earn points to spend on Amazon.com from my purchases. That probably amounts to $50 a month or so. I pay off my card every month.

    It's safer to carry a credit card than cash. Plus no stops at an ATM. Don't even have an ATM card.

    I couldn't care less that "the bank" knows what I buy. Why should I?

  2. #32
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    Re: How do you pay - cash or card?

    Quote Originally Posted by vasuderatorrent View Post
    The monthly payment of a $10,000, 60 month, 6% loan is $193.33 per month. The monthly payment of a $10,000 balance on a credit card is $200 a month but you can buy $200 of gas on that same card, then pay $200 payment on that same card. You basically avoided making a car payment that month. The credit card offers a very flexible form of financing but don't abuse that flexibility, it can get you in serious trouble.
    Very true. We took out a small one for $5,000.00, used only $4,000.00 of it and then after the purchase cut up the card. We then just basically divided the 4000 by 12 and set up a monthly recurring payment for about that amount. This is my biggest debt right now after my mortgage, I like to pay in full for most every purchase, what is the point of having a bunch of fancy stuff you don't even own?
    I call my own shots, largely based on an accumulation of data, and everyone knows it.
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  3. #33
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    Re: How do you pay - cash or card?

    Quote Originally Posted by MaggieD View Post
    I couldn't care less that "the bank" knows what I buy. Why should I?
    More spam and junk mail.

  4. #34
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    Re: How do you pay - cash or card?

    Quote Originally Posted by americanwoman View Post
    Very true. We took out a small one for $5,000.00, used only $4,000.00 of it and then after the purchase cut up the card. We then just basically divided the 4000 by 12 and set up a monthly recurring payment for about that amount. This is my biggest debt right now after my mortgage, I like to pay in full for most every purchase, what is the point of having a bunch of fancy stuff you don't even own?
    Did you make perfect payments all 12 months?

  5. #35
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    Re: How do you pay - cash or card?

    Debt is a dirty four letter word with me. I was shocked to read that the average credit card debt in this country is over 15,000. I budget a certain amount each month to run the household in cash. I use the card for unforeseen expenses and major purchases and it gets paid off every month. My goal is to have cash left over out of the household budget each month. This money goes into the Fun Ticket Jar. The more frugal I am with my spending, the more fun tickets without having to dip into savings. I've turned into a coupon cutting mama. I avoid paying full price for anything and its paid off. pun intended.

  6. #36
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    Re: How do you pay - cash or card?

    Ooooo....to be fair...I tend to call a debit card a credit card.

    95+% of all my non-cash purchases are using my debit card.

    I assume from the OP's conspiracy point of view - it's the same thing.

  7. #37
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    Re: How do you pay - cash or card?

    Quote Originally Posted by vasuderatorrent View Post
    Did you make perfect payments all 12 months?
    So far so good.
    I call my own shots, largely based on an accumulation of data, and everyone knows it.
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  8. #38
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    Re: How do you pay - cash or card?

    I use my debit card for everything. There is not a single dollar in my wallet. We do keep cash in our safe in case of emergency, but never touch it otherwise. I have found it is easier and safer to use the card. Not to mention I don't get bums asking for money outside the gas station anymore because they see me paying with my card.

    The only downfall is my favorite hamburger joint doesn't take debit/credit cards. On the rare occasion I go in there I may stop by the bank and pull out a couple bucks.

  9. #39
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    Re: How do you pay - cash or card?

    Cash only. I'd pay with the neighbors chickens if I could. People just don't appreciate a good chicken these days.

  10. #40
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    Re: How do you pay - cash or card?

    Since the gist of the OP seemed to be more related to tracking of purchases than to carry debt I answered ""mostly card" but in my case I mean debit card. It's more convienent than cash and allows me to easily keep an eye on where my money is going.

    We got into trouble with debt when we were just married kids. Now the only debt we carry is the mortgage. Every thing else gets paid with money in the bank.
    Don't be a grammar nazi - Marcus Aurelius, Meditations, Book 1 #7

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