How do you carry your money?

[dustybiker2]

Do you only use cards?
An app on your phone?
Wallet (metal or flip)?

How do you transport your Benjamins?

[Lliam]

My wife makes a lot of cash at her job, so I carry some folding money with me in a money clip in my front pocket, along with some small change.

I prefer to pay in cash whenever possible because doing so is anonymous and deters the institutionalizing of CBDC (central bank digital currency). In fact, I won't patronize businesses that won't accept cash.
I don't want my transactions traced. And I don't want VISA, Mastercard, etc to profit off of retailers.

But I do use cards for certain purchases.

When you swipe or tap your credit card at a local small business, the shop owner pays about 3%. Specifically, Square charges merchants 2.6% + 10¢ for "card present" transactions—which includes Apple Pay / Google Pay—and higher rates if the card number is manually entered.

When you pay with cash, that 3% provides the merchant with much-needed revenue to cover overhead such as rent and payroll.

It can be tempting to use a credit card when they reward you with free flights and hotel stays – but keep in mind the cost to your local economy. Not only does the merchant loose that extra revenue, but those fees are leaving your local economy entirely and most likely going to a multi-national corporation. A local business, on the other hand, reinvests this revenue in the local economy, in what economists refer to a Local Recirculation of Revenue.

[dustybiker2]

Yes, exactly why I like cash too.
Thank you for another thoughtful reply. Appreciated.

[Lliam]

Right on, Dusty. :-)

[Lliam]

Thanks for the MHO, Dusty. :-)

[dustybiker2]

You are welcome. Thanks for sharing your wealth of knowledge.

[Lliam]

I'm glad you could relate. Few people understand the danger of CBDC.

[bolverk]

A couple of small bank notes in a small wallet. Other larger notes are elsewhere on my body along with my single debit card and credit card in an RFID slip (I've learned the hard way by being mugged to only have a small number of notes in a wallet you do not mind loosing), and a mix of loose change, I never use any phone app as I do not deem them secure enough.

[dustybiker2]

This is clever. Sorry to hear about the mugging.

[bolverk]

One of those thing you have to deal with when you work overseas - You live and learn!

[electromagnetic]

I don’t carry cash. I’m notorious for losing wallets even while in my purse or side bag. I don’t even carry cards. If they don’t take ApplePay, I probably don’t need it. I do keep a card in my car just in case if I go to the grocery store or somewhere where I know ApplePay isn’t an option.

[midnightmoon05]

They recommended cash so…we have Korean won, Japanese yen, Taiwanese twb, Thai currency and pounds and dollars and credit cards atm.
turns out… they all use credit cards…we encountered 2 places where they don’t accept credit cards in Japan…so we are good since we have yen in hand.

[goaded]

Wallet. Still Queen Elisabeth, and Euros. No Benjamins. Also cards, of course. Paying by phone still seems to be more hassle than grabbing the appropriately coloured card from a wallet.

[dustybiker2]

Do you think they'll ever switch the image to Charles? I hope not. She was queen for so very long she deserves to stay in my opinion.
I agree on the phone too.

[jamesgoldman]

Already happening

[dustybiker2]

@jamesgoldman the switch? Have I been living under a rock to miss this?

[goaded]

They will, eventually, he deserves it. He's on the stamps already, I think. I just looked at the ones I bought a couple of weeks ago and they're still the queen. Maybe they'll magically update themselves!

It takes time to come up with a new design for banknotes. Useless fact: I had a colleague 25 years ago whose father designed a fiver.

[Aubrey97]

Yeah, 2024 UK, Canada and Australia coins all have Charles. Whoever is the King/Queen at the beginning of a year appears on all the ones for that year. They just take a while to circulate sometimes.

[jamesgoldman]

It's staggered so as old notes are removed from circulation the new ones are replacing them, yet to notice any in my hands so Hatton Garden must be slacking, I was the first person I knew to get polymer £50's when they first released

[dustybiker2]

Surprised they don't do this in America.

[goaded]

Would Trump want to be on the $1 ($5, $10, whatever the smallest is these days) bill, or the highest available? Who am I kidding? He'd put his ugly mug on all of them.

[jamesgoldman]

It's only been staggered because of Charles green credentials but given pre-decimal coins were circulating for best part of 150 years through 5 monarchs (Edward 8th doesn't count)

[goaded]

@jamesgoldman I was still using shillings for so long... My German exchange student collected them and the new 5p coins because they worked as Deutschmarks in vending machines.

[jamesgoldman]

Yeah I have a load of silver ones as well as threepences, sixpences, the aforementioned shillings, florins, a half crown and a pair of near slick Georgian crowns

[goaded]

@jamesgoldman Cool. I think I have some half-crowns around the place, somewhere.

[andreasderjuengere]

I carry it with caution :)
Refusing cards and such = no power to a bank or other money whores over me.

[dustybiker2]

Safe and smart.

[katiesmuff]

Cash folded with debit card stuffed in the middle held together with a rubber band and carry in my pocket

[dustybiker2]

I've done the rubber band thing. Metal wallet with a broken internal spring.. took too long to replace it. lol

[DrPepper12]

haven't carried anything cash lower than $10 and gave up wallet about a decade ago BEST DECISION I EVER MADE!! Back problems disappeared!! Everything is on or in phone. You have to switch guys!!!

[dustybiker2]

I've been hacked before. It unsettled me.

[DrPepper12]

Ouch. That sux

[Purpleronnie]

I only carry 2 credit cards ( 1 business 1 personal ) in my apple wallet attached to my phone. I have apple pay loaded with a few other virtual cards. Don’t use debit cards and only carry cash if I know I will need it which is very very rare.

[paledreams]

Metal wallet? 😅😅😅🫠🫠🫠 And I thought I was the only one carrying around such a thing. Anyways. Rarely cash anymore. Not since 2020 Covid.

[paledreams]

Blame Covid and blame technological gains lol 😆 folks

[dustybiker2]

They are handy, slim and safe. Just don't get one with a spring loader. Not fun when it fails.

[BonzoInBitburg]

I haven't carried cash in years. Can't even remember the last time I paid cash for anything

[dustybiker2]

I did the same for a while. My ma and pa pet store likes cash and gives you a discount for it. They broke my trend.

[Telekinetic-Potato]

Back pocket, my wallet is in the other back pocket but has nothing in it

[dustybiker2]

These are incredibly fascinating choices.

[Telekinetic-Potato]

Gotta keep em guessing

[Sharkstealth]

It's on a money clip on a trayvax 2.0. Check that company out. Great minimalist wallets. If I pay at debit only or cash them sometimes I'll split so that I don't get change.

[dustybiker2]

Good tip. Will do.

[Levin]

My money don't jiggle jiggle, it folds.

https://www.youtube.com/embed/sSLQbafBipw

[spartan55]

I have pay apps on my phone and carry two of my physical debit cards for places that don't have NFC. I use to always carry $50 in cash but have gotten away from that.

[Mr_twoface]

I haven't used cash in Sweden or travels to Europe for past 6-8 years. Elsewhere I tend to use cards as much as possible and the exchanges I give to wifey to store.

[sage2021]

I just carry a little bit of cash, like $40.
I don't bring my bank card with me. If someone stole my purse, they can have the $40, but they aren't getting access to my bank account.

[DryGermanGuy]

I have two nice leather wallets. A small one to go out with which doesn’t bulk in my jacket and a regular sized one for more coins and silly plastic cards.

[Wiredone]

I have my money with my cards in a metal case. Hackers can't get my card information through this case

[dustybiker2]

I like these too.

[Wiredone]

I've been hacked too many times. If they try stealing my case they will be crying and won't be able to breathe

[dustybiker2]

I have too. It's crazy how easy it is for them.
I completely understand that stance.

[Wiredone]

I carry my byrna gun with my wherever I go. I don't even need a license for it because it's not lethal

[Wiredone]

I also change my passwords once every 3 weeks

[dustybiker2]

That is really smart. I do that at least once a month with certain accounts.

[Friendlybro79]

Briefcase handcuffed to my wrist if course... why? How about you?

[dustybiker2]

Ever knock anyone out with it?
I keep mine in my German Shepherd "Cash" and Doberman "Card" collars.

[Friendlybro79]

Only by accident. I talk with my hands and sometimes I'm just waving my arms around like a crazy man.

[dustybiker2]

That's understandable then.

[Friendlybro79]

I have to wear a cup. I've been known to clip myself which is so embarrassing

[dustybiker2]

You know I almost asked this, too.

[worldscolide]

depends where im going. i dont do checks. So its either card or cash.

[dustybiker2]

Same. I haven't written one in.. I can't even remember. Thank goodness for apps when it comes to depositing them though.

[worldscolide]

most places where im from dont even take checks any more. as to accepting them. i have been on direct deposit for a decade, and with my wife being a volley ball official and soft ball official, the schools pay via a thing called Arbiter pay

[dustybiker2]

There are still a lot of situations where you are given checks, such as from insurance companies and such. It makes me wonder how they will make the switch.

[worldscolide]

very true, no idea though.

[ButtNakedMan]

In the bank, brokerage firm, and buried in a hole. I pay with cards mostly and keep small amounts of cash on me on a clip.

[dustybiker2]

You're covered. Nice.

[Kelly6]

@dustybiker2

i mostly use card or app,

but keep card or cash under my bra

[dustybiker2]

Oh I do this with a bag of ice.
(Summer riding humor)

[Kelly6]

@dustybiker2
lol

[PA19062024]

In a wallet. That's what they're designed for, you see.

[dustybiker2]

This is true.

[Insecure2]

I put my cash and cards to my wallet which I keep somewherwe in my handbag.

[Sassy_snake]

Debit card, and sometimes cash from the tips I get at work.

[Jennz6]

In my purse, lots of cash bc of all the tips I get from my customers 💃

[admles]

Phone for everything, I never use cash if I can avoid it.

I keep a back up $50 in my wallet just in case, but it's been there about 4 years now.

[GeminiDiamond]

Cards and BC. I do use cash sometimes and keep it in my bra. Kidding, I keep it in my billfold.

[Dargil]

I really carry more than $50 in folding money. The rest of it is on a debit card.

[jamesgoldman]

Cash mostly
Cards for online, short term savings plus cheque cashing

[goaded]

I haven't seen a cheque for years, if not decades! I'm not a total Luddite, I use Internet and, earlier, phone banking. There was that one time that phone banking moved 10x what I'd asked for...

[jamesgoldman]

I see them most weeks from selling gold mostly, occasionally its something I've sent to auction or sold via one of several postal merchants

[jamesgoldman]

I'll confess to being a Luddite, no internet or phone banking other than authentication codes

[strangeatcircleK]

I mainly carry a credit card and sometimes some cash. In a wallet. They should honestly make a wallet for women 🤔

[exitseven]

I carry it in a wheelbarrow.

[dustybiker2]

Doesn't that slow down foot chases?

[exitseven]

@dustybiker2 yes, thats why I carry a.357/

[dustybiker2]

Isn't that complicated the weight and the balance? I'd have a laser gun with voice controls, swivels, the works.

[exitseven]

I bought the /357 because it seemed very uncomplicated. The Glock had too many moving parts.

[Jason2469]

On a cold storage ledger wallet. My phrase keys not known but stored incognito on a Minecraft world server where I have access to it anywhere at all times.

[Nifrayu]

I carry money in a small makeup bag that I carry in my purse.

[Miko-]

In the bank, in the fund. Most of the money is kept in the wallet because of the advantage of activity.

[Dinklex3]

I use my card or Apple Pay.

[dustybiker2]

I thought I would see more people using Apple Pay / similar by now.

[DJB72]

Cash. Don't like plastic.

[dustybiker2]

Have you run into resistance yet? I was loudly almost rejected at a fast food restaurant checkout once daring to pay with cash that was not exact. Sucks when you leave your plastic in a pocket at home. lol

[DJB72]

Yep. And this is South Africa where over half the population doesn't have an account.

I just put the cash on the counter and left

[dustybiker2]

Smooth.

[Booklover_90]

My debit card. Very rarely do I carry cash.

[dustybiker2]

Same. It is a sign of more permanent change that some places will only accept exact change now.

[MacDaddyRico]

What is this "money" you speak of?

[Sasquach]

Credit card rfid block wallet

[dustybiker2]

I love these. There are a few companies who make some really nice ones.

[Charliefretz329]

I use all the monies.

[Charliefretz329]

Phone tap comes in super handy when I forget my billfold at home… 😒

[dustybiker2]

I've never tried.

[Charliefretz329]

Tap to pay. Easy peasy.

[Charliefretz329]

Most credit cards and debit/bank cards are tap to pay anyway. Same diff.

[dustybiker2]

If a site like apple has my up to date cards they like to allow app creators to keep charging even though I've canceled their services. Paypal did this with three separate reoccurring charge accounts (I never approved) too. I only keep prepaid cards on my phone.

[Charliefretz329]

I only use credit cards for everything. It’s a simple call and the charges are dropped. I’ve never had a problem with Apple though.

Smart to use prepaid

[dustybiker2]

I'm special like that I guess. It's a pain but it works.

[Charliefretz329]

Smart to be safe.

[dustybiker2]

This is true.

[snowboarder720]

Apple Pay, a money clip, and an Apple wallet.

[snowboarder720]

I mostly pay using only my iWatch

[Bricealan]

debit card only

[paledreams]

"only"? Not even ever using a few bucks in cash from time to time for purchasing, even a coffee? You never know - "cash only shops" stores

[paledreams]

Or an outage lol 😆

[paledreams]

I'm just asking, I don't care.

[Bricealan]

@paledreams I never use or carry cash, I carry a Debit card and a Credit card. Never had a problem.

[paledreams]

No cash at all? Lol. Since Covid? Before Covid?

[AviatorTom]

Wallet, cards and some cash

[foxsquirrell]

Card, and cash as back up.

[legalboxers]

old fashioned leather wallet

[Enginn]

In the wallet.

[Nikki1988]

Plastic with my phone cash carry germs.

[Skyros]

Yes, but cash is untraceable.

[Miah04]

Card.

[Fireguy17]

Carefully.

[LaurenM1997]

In my purse

[Danny_dan92]

No cash

[Typicalcanuck]

Wallet

[TallBlondeJohn2]

With my wallet

[imfreeze95]

Yes, absolutely.