Chooky
Champion Author
Wilmington
Posts:7,241
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Message Posted: May 15, 2013 9:37:31 PM
I tell the girlfriend that I always pay for everything. It's much easier and quicker with cash and she never feels obligated to help pay.
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Sneakers55
Champion Author
Houston
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Message Posted: May 13, 2013 11:54:50 AM
On May 13, 2013 7:06:50 AM, 63pioneer wrote:
>To avoid paying interest to a credit card company!
I guess you must have the cards with no grace period. Those of us with good credit have cards with grace periods. And since they cycle only once a month, you get float. Sometimes, that's useful.
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63pioneer
Champion Author
Texas
Posts:1,000
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Message Posted: May 13, 2013 8:06:50 AM
To avoid paying interest to a credit card company!
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tckayaker
Sophomore Author
Michigan
Posts:225
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Joined:Oct 2012
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Message Posted: May 11, 2013 9:32:31 PM
I try n do cash or debit card...credit cards are bad for me as I don't pay them off each month..
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Sneakers55
Champion Author
Houston
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Message Posted: May 11, 2013 9:02:44 PM
Went on vacation without a checkbook. Gonna have to drop a dead president in the offering box at Church tomorrow.
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Sneakers55
Champion Author
Houston
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Message Posted: May 10, 2013 7:04:30 PM
On May 10, 2013 8:27:20 AM, MiataPrincess wrote:
>any credit card is a bad idea for most people, cuz they don't pay them off
>at the end of every month
Credit cards are great for the 44% of people who pay them off at the end of each month and never pay any interest and get rebates. I charge everything I can so I'll get plenty of rebates.
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MiataPrincess
All-Star Author
Des Moines
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Message Posted: May 10, 2013 9:27:20 AM
any credit card is a bad idea for most people, cuz they don't pay them off at the end of every month
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Sneakers55
Champion Author
Houston
Posts:51,247
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Message Posted: May 10, 2013 9:16:37 AM
Gotta have cash to get off the Kansas Turnpike. Don't have to have any to get on the Kansas Turnpike. I took $113 in cash on vacation and I'm down to $105 with the turnpike tolls.
At least it's better than some of the Oklahoma turnpikes. There, you have to have exact change and there's no human to hand cash to.
[Edited by: Sneakers55 at 5/10/2013 9:22:36 AM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: May 10, 2013 9:09:00 AM
Eligible to get another $25 in tax-free rebates for using my Wells Fargo VISA to charge things that I pay for every month right after my pension check comes in. I haven't decided whether or not to take my rebate now or wait until not having to pay as much would be a good thing.
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StArrow68
Champion Author
Oakland
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Message Posted: May 3, 2013 11:53:40 AM
I think that most of my cash goes to the servers at my favorite sports bar. Pay by discounted prepay card and then tip in cash. Works for me and I'm guessing it might be appreciated as well.
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Baron62nd
Champion Author
Illinois
Posts:7,001
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Message Posted: May 2, 2013 5:53:19 PM
Cash is hard to trace.
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Sneakers55
Champion Author
Houston
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Message Posted: May 2, 2013 12:24:05 AM
Got a $30 rebate on my Chase Freedom VISA.
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Sneakers55
Champion Author
Houston
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Message Posted: Apr 24, 2013 11:25:50 AM
I got $50 in tax-free rebates from my American Express Blue Cash Preferred. And I don't think I spent any more at the grocery store to get it.
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lordaaron
Champion Author
Bakersfield
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Message Posted: Apr 16, 2013 7:20:43 PM
LMAO! csa has just had one of the best answers!
We have cash/credit prices in CA. Usually 10¢ difference. The station I pass every day is at $3.91 cash $4.01 credit which equals 2.56% discount. Makes the 3% cash back on a card slightly better, but not by much. The law in CA doesn't allow merchants to charge more for credit card transactions, but they can give a cash discount. Same difference, but some lawyer probably made thou$and$ arguing this point.
I know I can go into certain places and get a better deal paying cash, like a furniture store.
And if you're working from a budget, when the cash runs out, you have to stop buying. You can't just charge another few bucks. It's a way to control spending.
My wife & I have enjoyed her staying home with the kids these past 7 years. I don't make that much money and we even lived on the Central Coast for half that time (it's not a cheap place to live.) If we didn't control our spending, we wouldn't have been able to do it. And I'd much rather her raising our kids than some daycare.
I guess it just depends on the person and their behavior. I like the security of a credit card for large purchases. But for every day things, I feel cash is better. I think gas_phil said it best. I won't carry a balance, but hitting that payment button makes me cringe. I don't want to cringe and worry about getting my paycheck before the credit card bill is due.
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csr1000
Sophomore Author
London
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Message Posted: Apr 16, 2013 5:30:59 PM
Some things are cash-only transactions. Some fun things.
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olefin
Champion Author
Arkansas
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Message Posted: Apr 16, 2013 5:08:26 PM
Etop - Good for you!
lordaaron - posted (Do you think you might buy things or spend more because you use your credit card? I'm just curious.)
No, we used cash back credit card for years before becoming financial secure. We never wasted money then or now but today enjoy luxuries that we previously couldn't afford.
gas_phil - I'm not aware of any legal business here that gives cash discounts. Many years ago in TX there was a lumber yard that gave a 3% discount for cash.
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Baron62nd
Champion Author
Illinois
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Message Posted: Apr 16, 2013 4:22:38 PM
Cash is hard to trace.
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gas_phil
Champion Author
Sacramento
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Message Posted: Apr 15, 2013 1:11:37 PM
It's certainly good to pay cash too. But we must always ask for a cash discount if they allow it. It sometimes can be 5% to 30% off depending on what it is, or at least lower than the normal prices for the same items. Either way it hurts the same handing out cash or card!
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lordaaron
Champion Author
Bakersfield
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Message Posted: Apr 15, 2013 12:26:38 PM
Do you think you might buy things or spend more because you use your credit card? I'm just curious.
I know back when I was accumulating credit card debt, it was easy to buy another drink or make a large purchase I probably wouldn't have done had I been paying cash. As I delve further into understanding my financial behavior, I am really finding it is not about the mathematical figures. I can figure out the %'s and understand compound interest. It is about my behavior. If I change my behavior, then I will reap rewards bigger than the few hundred bucks a year I'd get from a rewards card.
That's why I pay cash. It almost physically hurts to pay cash sometimes. I need that to rein in my spending. I'm not the government after all. My spending can't exceed my earnings.
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Etop
Champion Author
Pennsylvania
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Message Posted: Apr 12, 2013 12:14:52 AM
I use AMEX, Discover and Visa. I never paid interest on these cards in the last 25 years. The cash rewards for these cards is probably approaching at least 8 to 10 thousand dollars.
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gas_phil
Champion Author
Sacramento
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Message Posted: Apr 11, 2013 9:53:23 PM
yeah. 1 rewards card is the easiest to deal with and I route everything possible thru it too just to play that 1% to 5% game lol. The cc company certainly still makes money (less, or from elsewhere) or they'll close my account before I do it myself!! I always pay all too every month no matter how big or painful it is... first thing is copy/paste the long list of items into excel to sum it to see if that server is correct. Also sort it, audit each item, look for duplicates or strange/unknown items if any, etc. Then close my eyes, cringe, silently yell and hit that pay button...
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lordaaron
Champion Author
Bakersfield
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Message Posted: Apr 11, 2013 5:38:02 PM
On Apr 11, 2013 1:43:29 PM Sneakers55 wrote:
>You can come up with all sorts of interesting statistics but correlation does not imply causality.
Let's look at a study of credit vs cash
Mince words however you want, but the fact is people tend to spend more when it's easy to do so. I guess I just have to put you in the extreme couponer group. If it works for you, AWESOME! Go make that $600 by juggling credit cards rewards programs. It's just not worth it to me.
>And you'll probably hear the same thing at AA meetings, except they're shouting "I've been sober for a year!"
So it's not a good thing to be sober or debt free? Some people need the guidance and support to stay on track. Finances are the number one reason for conflict in marriage. Here's a guy who is helping families to attack the biggest conflict issue in marriage: money. In the process, communication is increased, which is touted as the #1 cause of divorce. So what is wrong with Dave Ramsey and his teachings?
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Sneakers55
Champion Author
Houston
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Message Posted: Apr 11, 2013 4:43:29 PM
On Apr 11, 2013 1:23:00 PM, lordaaron wrote:
>I know some people pay off their credit card every month, but you
>are in the minority.
Well, it's about 44% that are transactors and not revolvers.
>IMHO, the rewards aren't worth the hassle.
What hassle? A couple of clicks on the bank's Website (if that much is required) is too much hassle?
I know of only one bank that requires an actual phone call. Took me all of two minutes.
>I'd rather take on extra hours or a 2nd job.
You'd rather work and have your income taxed to be spent on some boondoggle than to engage in a modicum of effort to get some tax-free income?
>It's not like you're going to get rich off of credit card rewards.
I got $675 in rebates on my American Express card last year. It was a premium card that cost me $75. That's $600 in tax-free income, all from running your spending through a convenient plastic card.
>I know how easy it is to swipe the card. And studies have shown one
>pays more when using a credit card vs cash (12%-18% in one study,
>McD's found avg sale was $4.50 cash vs $7.00 cc)
You can come up with all sorts of interesting statistics but correlation does not imply causality.
>Dave Ramsey admits he is giving out common sense advice and is
>shocked to make a living off of stuff we should already know. But
?his program works. Listen to his show for just one day. When you
>hear people shouting "We're debt free!", you will get goosebumps.
And you'll probably hear the same thing at AA meetings, except they're shouting "I've been sober for a year!"
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lordaaron
Champion Author
Bakersfield
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Message Posted: Apr 11, 2013 2:23:00 PM
I know some people pay off their credit card every month, but you are in the minority. Avg credit card debt, according to figures I found, was $15,799 per household. Well over half carry an unpaid balance on their credit card.
IMHO, the rewards aren't worth the hassle. I'd rather take on extra hours or a 2nd job. It's not like you're going to get rich off of credit card rewards. olefin is right, if you can't afford to pay cash, don't use cc's. But how many people follow that advice. I know how easy it is to swipe the card. And studies have shown one pays more when using a credit card vs cash (12%-18% in one study, McD's found avg sale was $4.50 cash vs $7.00 cc)
Dave Ramsey admits he is giving out common sense advice and is shocked to make a living off of stuff we should already know. But his program works. Listen to his show for just one day. When you hear people shouting "We're debt free!", you will get goosebumps. Best I have heard yet is a grandma who paid off $65,000 in debt with annual income of $35,000 over 5 years time. That's over $1,000/month in debt paid off! Not going to get results like that playing with cc reward programs.
I guess my point is you have to be careful in preaching the whole message. I know I screwed up by building a huge balance and not having a financial plan in place. It sounds like you rewarders (is that a good name?) have a plan and it works. I'm glad someone is making money back from the big cc companies.
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olefin
Champion Author
Arkansas
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Message Posted: Apr 9, 2013 5:28:16 PM
lordaaron - We've used cash back credit cards since 1986.
We buy and pay for everything with cash back cards.
Never paid a penny in interest or fee's. But have collected many tax free $1000's over the years! Besides we were never were billed for 2 items... one item was over $1200. Two other BIG reasons we use cards is because they are safer than cash and for the convenience.
My advice... if you can't afford to pay cash... do NOT use credit cards!
Sneakers is correct about Dave Ramsey.
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Sneakers55
Champion Author
Houston
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Message Posted: Apr 9, 2013 2:30:37 PM
On Apr 9, 2013 1:09:36 PM, lordaaron wrote:
>Because once you start carrying a balance, you have just lost any
>benefit of rewards.
I segregate my credit cards. The ones I want to get rewards on I do, and I use for stuff I want to pay for at the end of the month. The one with a super-low interest rate I revolve with.
>We are a nation of debt. How has that worked out for us?
We have sooner or later to pay the bill, but I definitely have a plan for mine.
>I know how attractive the 1%-3% cash back bonuses are, but these credit
>card companies don't make billions of $$$ by giving it all back, do they?
Credit card companies are hoping you'll spend. They're also hoping you'll extend the length of time you pay it off. It's up to us to show them wrong.
>I didn't go thru all of the previous pages to see if anyone has mentioned
>Dave Ramsey already, but he definitely bears mentioning in a thread like
>this.
Dave Ramsey is like an alcoholic who discovered the abstinence cure, except his alcoholism was debt. Now he's discovered he makes a lot more money preaching about the cure than he ever wasted on the disease. Follow the money! He runs a business with over 360 people, which is a lot more than he made on debt!
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lordaaron
Champion Author
Bakersfield
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Message Posted: Apr 9, 2013 2:09:36 PM
Because once you start carrying a balance, you have just lost any benefit of rewards. We are a nation of debt. How has that worked out for us?
I know how attractive the 1%-3% cash back bonuses are, but these credit card companies don't make billions of $$$ by giving it all back, do they?
I didn't go thru all of the previous pages to see if anyone has mentioned Dave Ramsey already, but he definitely bears mentioning in a thread like this.
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Sneakers55
Champion Author
Houston
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Message Posted: Apr 9, 2013 2:02:55 PM
I tried and failed to get a Barclaycard Ring MasterCard (the card with an 8% interest rate and free balance transfers). They said i had plenty of credit on another Barclaycard product. YES, I do have the Apple Barclaycard Financing VISA (the one with a ridiculous interest rate of 22.99%) but I only use it when Apple is offering free financing. Guess I'll use my Citibank card with 3% balance transfer fee and a 0% interest rate for the first year, then 11.24% after that.
[Edited by: Sneakers55 at 4/9/2013 2:11:02 PM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: Apr 9, 2013 1:58:38 PM
I bought $100 of Darden gift cards with my American Express Blue Cash Preferred card and then used them all. Got a 6% rebate on them plus 200 Kroger Fuel Points (good for $0.10/gallon off my next two fillups at Shell).
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 27, 2013 8:34:37 PM
Maybe I should go buy some more Darden gift cards at Kroger. I'll get at least double fuel points (I only have enough for one fill-up right now) and I'll get a 6% rebate on the purchase. I've been having lunch regularly at LongHorn Steakhouse, a new Darden Restaurants restaurant in the Clear Lake area. I've still got a lot of eating to go to get through the menu!
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 27, 2013 8:02:15 PM
On Mar 1, 2013 12:00:04 PM, I wrote:
>Sometimes, I forget who has what. I haven't taken to making a
>list of who offers a rebate higher than 1% but I've thought I
>should at times.
I just got an Amegy Bank of Texas AmaZing Cash. They offer a rebate higher than 1% (a bonus 0.05% for the first five times in a year that you run up $5000 in spend) but then there are still the rebates for 5%. They're easy in 2Q 2013 because everything other than American Express is offering extra rebates for home improvement (something apartment dwellers don't do) and home furnishings (I bought all the furniture I needed in September 2012, most of it with long-term free financing).
[Edited by: Sneakers55 at 3/27/2013 8:04:21 PM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 27, 2013 7:23:40 PM
I had the following expenses today:
Lunch at LongHorn Steakhouse - 1% rebate on Amegy Bank of Texas VISA
Bottle of $9 generic pills - 1% rebate on Citibank Dividend Account MasterCard
Electricity to run the lights, HVAC, and this computer - 1% rebate on Wells Fargo VISA
Internet access for the computer - 1% rebate on Wells Fargo VISA
Pair of Pro-Keds just about like I had in college - 1% rebate on American Express
That's 1% more than the cash fanboys get back, much less the people who pay their bills with cash at some place like ACE Cash Express!
[Edited by: Sneakers55 at 3/27/2013 7:31:54 PM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 27, 2013 7:15:57 PM
I've been eating takeout food more and grocery store food less. Therefore, I only got a $25 rebate this month from American Express. I do have $23 in gloriously tax-free rebates that I was not able to get to, but I've already run up $253 in charges on the card so I'll get at least another $25 in rebates next month.
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 27, 2013 7:04:46 PM
State Farm Bank offers a 1% rebate on their VISA card in the form of "State Farm Dollars." My insurance agent did a plug for it and they got me signed up. They only assigned me a $2000 credit line because the only thing i had coming in when I applied was $1650 monthly of IRA withdrawals. (Since then, my pension started and the IRA withdrawals have grown faster than the rate of inflation.) Well, I finally ran up $59.17 in State Farm Dollars, which I applied to my State Farm VISA bill. (You can also apply it to an insurance bill.) More tax-free rebates that the people who insist on using cash don't get.
[Edited by: Sneakers55 at 3/27/2013 7:07:34 PM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 26, 2013 6:26:17 PM
On Mar 26, 2013 7:24:57 AM, ncclyde wrote:
>Great article explaining some of the many reasons people
>choose to use cash.
One summary- so they can't be tracked.
FWIW: You're not paranoid if everyone is really out to get you.
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 26, 2013 6:15:36 PM
On Mar 26, 2013 7:30:28 AM, photobuddy wrote:
>stop at a gas station and see how much you get
>charged for your credit card.
I see you don't have a rebate-paying credit card. The rebate, for me, almost always beats the discount for cash. If they give a discount for cash in the first place. Most stations around here tie the discount to the purchase of a stored-value card. Breakage income is their friend, not yours. And the overwhelming convenience of credit cards to boot!
[Edited by: Sneakers55 at 3/26/2013 6:18:42 PM EST]
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photobuddy
Champion Author
Washington
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Message Posted: Mar 26, 2013 8:30:28 AM
stop at a gas station and see how much you get charged for your credit card.
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ncclyde
Champion Author
Charlotte
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Message Posted: Mar 26, 2013 8:24:57 AM
Great article explaining some of the many reasons people choose to use cash.
What still amazes me is that some folks on here continue to insult/degrade those who choose to handle their finances differently. Live and let live, folks. Handle your financial transactions in any way you choose, and let others do the same.
Unbanking vs. Underbanking: How to Break Up with the Financial System
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 21, 2013 8:07:54 PM
I had to pay $5.23 to Harris County, Texas yesterday. Only cash and checks allowed. I ended out breaking a $20 bill, it was easier and faster than writing them a check. (And have you bought checks lately?)
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 14, 2013 1:03:06 PM
On Mar 13, 2013 11:55:11 PM, outlaw329 wrote:
>The question should be, why would anyone not want to
>pay with cash. Once the electric grids go down, those
>with cash will survive
You really think stores can run without the electric grid? You're living a fantasy world. Or you've been listening to Chad Brock's "A Country Boy Can Survive" too much.
[Edited by: Sneakers55 at 3/14/2013 1:07:32 PM EST]
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outlaw329
Champion Author
Austin
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Message Posted: Mar 14, 2013 12:55:11 AM
The question should be, why would anyone not want to pay with cash. Once the electric grids go down, those with cash will survive while the ones that cannot get to their money, oh well you know the rest!
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BayleeBuggy
Champion Author
Toronto
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Message Posted: Mar 14, 2013 12:00:57 AM
A cafe we go into frequently has switched from taking credit or whatever (I can't remember since I never used it) to strictly cash. They must have gotten tired of paying a premium for every non-cash sale.
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 13, 2013 5:44:14 PM
Yesterday, I went to the Apple Store to get a new iPhone 5.
The Specialist was doing my order and she got a message she had never seen before. She asked another Specialist and he had never seen the message either. So, they called over the manager of the Apple Store.
He knew what had happened. Their credit card processor had gone down. Never fear, the Apple Store is equipped for moments like this. The manager whipped out a Bartizan imprinter from behind the counter and set to work processing my charge with an old-fashioned paper charge slip.
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 13, 2013 5:00:59 PM
On Mar 9, 2013 5:11:12 AM, ncclyde wrote:
>where I use cash, cash is their preferred method of exchange, either
>because they don't take credit/debit cards
I think about the only place I go to that doesn't take credit/debit cards is the county tax assessor/collector's office.
>or because they offer a discount, usually 3%, for using cash.
The only place I go that offers a discount for cash also offers a discount for debit cards.
>the added bonus of no individual record of the transaction
>makes it worth using cash.
You consider that a bonus, I consider that a detraction. I like getting my annual summary reports of what I've spent.
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ncclyde
Champion Author
Charlotte
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Message Posted: Mar 9, 2013 6:11:12 AM
where I use cash, cash is their preferred method of exchange, either because they don't take credit/debit cards, or because they offer a discount, usually 3%, for using cash. the added bonus of no individual record of the transaction makes it worth using cash.
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OilHo
Champion Author
Ontario
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Message Posted: Mar 9, 2013 1:22:57 AM
Because, I don't want to be tracked like a dog.
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 8, 2013 10:53:35 PM
Stayed at home, ordered delivery food, fiddled on the computer, and watched TV:
Delivery food: 5% rebate on Discover Card
Computer: 1% rebate on (probably) American Express
TV: No rebate except 1% on sales tax and upgrade to 1080p but 27-month interest-free financing
Electricity to run computer and TV: 1% rebate on Wells Fargo VISA
Internet access for computer, cable for TV: 1% rebate on Wells Fargo VISA
[Edited by: Sneakers55 at 3/8/2013 10:57:32 PM EST]
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Sneakers55
Champion Author
Houston
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Message Posted: Mar 5, 2013 7:36:23 PM
My last holdout doctor recently started taking credit cards. I got so tired of filling out checks (and they're expensive, have you bought some lately?) that I'd toss $20 over the counter for my copay. I asked them and they said all the clinicians in the office take plastic, so my doctor got a card that pays a 1% rebate.
Citibank Dividend Account MasterCard sometimes does health care with a 5% discount, the last time they did that I just happened to need three crowns. It was $2772 before the 5% rebate. However, they called up to make sure it was me who went to the dentist. I didn't use credit cards much in 4Q 2011 as I was in and out of the hospital for nearly the whole quarter (I was pretty much out of it from October 9th to the Wednesday before Christmas. Citibank was raising red flags because I suddenly started using my card. I didn't have that problem with American Express as I didn't have my credit cards with me but I'd memorized the card number, expiration date, and CVV2. I still use American Express a lot (even though they recently updated my expiration date and CVV2) because I've memorized the card numbers!
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bam15
Champion Author
Mississippi
Posts:6,068
Points:1,147,170
Joined:Sep 2005
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Message Posted: Mar 3, 2013 7:02:58 PM
yes
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Sneakers55
Champion Author
Houston
Posts:51,247
Points:2,139,925
Joined:Nov 2005
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Message Posted: Mar 1, 2013 1:00:04 PM
On Feb 24, 2013 3:57:24 PM, wamps wrote:
>Sneak, you da man, with rebate credit cards. If I had more than two
>I would surely use the wrong card for the maximum rebate.
Sometimes, I forget who has what. I haven't taken to making a list of who offers a rebate higher than 1% but I've thought I should at times.
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