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Many people view the Move Your Money campaign to be a huge success, with hundreds of thousands of new credit union and community bank accounts being opened over the last couple months.  More money in your pocket with better bank rates and more money staying in your community in the form of loans to your neighbors and local small businesses.  When we work together, we can have a huge impact.

But moving your money is just the beginning of taking power back from the too-big-to-fail banks.  There is an even more insidious tax on our retailers and small businesses that either cuts into their bottom line or sadly is passed right on to the consumer in higher prices, and that is the credit card transaction.

Retailers are charged upwards of 2% of every credit card transation when you swipe and sign the slip for a credit card charge.  And that 2% is either taken out of the business or passed on to you via higher base prices.  You are paying for the convenience of not having to pay in cash.  That's 2%.  Of every transaction!

Sure, you might get some miles on some crappy points program as a little kick-back from your card issuer.  But that's a bribe. They are bribing you to keep your money in their system.  You have essentially committed money to be spent with their network of merchants in most points system, and those points rarely add up to a fair return on what you are being overcharged at the paystation.  You are essentially giving them a loan, and maybe you will use those restrictive points to get something back from the loan you have given to the banksters.  Meanwhile, the restaurant you just ate at either had to charge 2% more across the boards for the transaction, or has to eat the 2% loss.  Other customers paying cash are paying higher prices to subsidize your use of the credit card, and the kickback in the system ensures you are part of the problem.

Fortunately, the solution is very simple.  PAY WITH CASH.  

  • When you go to the restaurant, pay the bill with cash.  
  • When you go to the grocery store, pay cash.
  • When you pay for parking at the municipal parking lot, pay your city with cash.
  • When you buy those holiday gifts this season, pay cash.
  • When you buy some booze at the corner store, pay cash.
  • When you set up your automatic bill pay for your gym membership, do it out of your new credit union account.  Don't have it billed to your credit card.
  • When you donate to progressive political candidates, do it with a check or cash!

I think you get the picture.  By paying with cash, you are helping to give the real businesses that are providing real value to your community and create real jobs their very own 2% stimulus package.

It seems like a very small amount, but as we have seen with the Move Your Money effort, if we work together we can have a huge impact.

So, don't stop at opening your credit union account.  Make sure to move your mortgages, car loans, savings, and other business to a credit union, and eventually, cut ties with those corporate monoliths, the mindless terminators who will stop at nothing to maximize profits.

And... carry $50 or $100 of cash in your wallet or purse.  Pay your local retailers in cash and give them a 2% raise this holiday season.  Stop allowing yourself to be bribed by those lame points programs.  Pay cash, help your money stay in your community, and put another nail in the coffin of too-big-to-fail.

UPDATE: After lurking and sporadically blogging here for years, I've finally lost my Wreck List Virginity! Woo, thanks y'all.  Lots of great thoughts about cash strategies in the comments, so read and enjoy.  One final thought before I return to my day job:  I would love to see this grow into a "Cash for the Holidays" type of campaign, much like the Move Your Money campaign.  I think that'd be one great way to make it relevant to current events and Occupy.  Wouldn't it be a hoot to see an actual impact on the bottom line of retailers this holiday season?  When they slice and dice those black friday shopping numbers, I'd love to hear the analysts saying retailers received a bigger share of the holiday shopping pie through cash transactions, while the too-big-to-fail fell short this quarter. :)

UPDATE 2: If you are looking for another reason to start paying with cash, commenters have pointed out another fantastic reason. Big Brother won't know what you are spending your cash on.  Marketers have less ability to spy on your behavior.  So not only do you get the feel-good moment of paying your favourite locally owned restaurant an extra 2% instead of sending it to BoA, Citi or Chase, you can also feel great in knowing that you have a little bit more privacy back in your life too!

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Comment Preferences

  •  Tip Jar (188+ / 0-)
    Recommended by:
    commonmass, greengemini, Ohiodem1, Horace Boothroyd III, Ruh Roh, kitchen table activist, Gordon20024, erratic, ask, not4morewars, mwk, Hoosierdaddio, kevinpdx, AlwaysDemocrat, tb mare, buckstop, Son of a Cat, Dr Erich Bloodaxe RN, Azazello, Geenius at Wrok, a2nite, Arahahex, MinistryOfTruth, wayoutinthestix, robertlewiws, CA Nana, tofumagoo, Cedwyn, zerelda, drewfromct, antimony, lgmcp, possum, We Won, boran2, coppercelt, 2laneIA, Neon Mama, joliberal, sleipner, greycat, elengul, Catte Nappe, Diana in NoVa, lineatus, snowshoeblue, petulans, mystery2me, science nerd, greenbastard, Shadowmage36, tacet, one of 8, J M F, Joe Bob, MJ via Chicago, Pluto, DRo, kck, MidwestTreeHugger, gatorcog, NearlyNormal, theChild, concernedamerican, Eddie L, Doolittle, Xapulin, shaharazade, 0wn, tegrat, chimpy, Darryl House, Habitat Vic, where4art, Wood Dragon, kharma, maggiejean, DamselleFly, James Kresnik, dejavu, chimene, spaceshot, Pohjola, mrsgoo, ColoTim, happymisanthropy, Anthony Page aka SecondComing, DreamyAJ, kurt, davehouck, legendmn, Dvalkure, sd4david, Fracturedchaos, Odysseus, MeToo, DWG, qannabbos, mconvente, 3rdOption, SadieSue, Rosaura, el dorado gal, Late Again, docb, Sylv, tundraman, naperken, OldDragon, tomephil, sb, ashowboat, jfdunphy, DEMonrat ankle biter, bfitzinAR, Renee, bozepravde15, Lepanto, Isara, duckhunter, glbTVET, bloomer 101, tonyahky, reflectionsv37, Nance, terabytes, superfly, JayDean, brooklynbadboy, susakinovember, oceanview, no way lack of brain, dewley notid, gmb, Involuntary Exile, Loudoun County Dem, Shelley99, Quasimodal, frisco, Chi, Karl Rover, bluicebank, AnnieR, extradish, SCFrog, bronxcharlie, karmsy, Mnemosyne, brown and blue all over, alnep, banjolele, Counselor730, dotsright, One Pissed Off Liberal, BigVegan, Tyler R, JFeathersmith, Angie in WA State, mahakali overdrive, Trendar, sandblaster, Funkygal, Nebraskablue, Caddis Fly, gizmo59, jdmorg, sea note, TexasTom, jamess, RebeccaG, Parthenia, Pondite, maybeeso in michigan, annan, Clive all hat no horse Rodeo, Radiowalla, orson, GANJA, hubcap, jguzman17, BlackSheep1, bnasley, ladybug53, Bule Betawi, Swill to Power, Bluefin, No one gets out alive, splashy

    ~ Nothing insightful to say ~

    by EagleOfFreedom on Mon Nov 14, 2011 at 08:26:48 AM PST

  •  A few minutes ago, my family bit the bullet and (52+ / 0-)

    paid our credit card balances down to zero, and we are now about 95% cash purchases now.  In some cases, like when I bought a TV from Sears I got a substantial discount (like 15%) for using the card and buying on line, that becomes a no brainer if you pay the card off right away or get 18 months same as cash, which was offered with the TV.  I paid it off over 3 months.

    I also travel on business and buy stuff online and it is nearly impossible to deny that the 21st century exists and go with no credit card use at all.  But I pay them off in full each month and deny the card issuer any interest income off those purchasers.  If you can do that, and the card issuer has "rewards" then you can actually make small gains from occasional card use.  If you don't pay back in full each time, the "rewards" are a losing game for you.  It would be far superior to just get a better rate from the beginning instead of getting "rewards", many of which are never redeemed, or in some cases, the "rewards" are simply junk and you have to pay shipping on them.

    If you can afford to, the method I described here can work to your benefit, otherwise, I pay cash, as the diarist proposed.  In some cases, like at a furniture store, you may actually negotiate a discount if you pay cash and don't use your credit card or debit card.  The merchant has lower costs when you do that, and occasionally, you can get them to recognize that in your favor.

    Republicans are like alligators. All mouth and no ears.

    by Ohiodem1 on Mon Nov 14, 2011 at 08:51:39 AM PST

  •  I'm with you (35+ / 0-)

    I rarely use my credit card in a physical location, just for online stuff. I'll use my debit card, which is still costs the retailer a little, but not as much. I won't use one of those debit/credit cards which every bank wants to push on you. I'd rather not have a card which can drain my bank account and no pin number is required. No thanks, even if the banks promises they'll put the money back (I don't want to test that scenario). I use cash when I can, although I don't like to carry a bunch of cash around for security reasons.

    Another related issue: I have my own small consulting business and I work exclusively with other businesses as my clients (no retail). So I don't accept credit cards. All my clients pay by check. Even though it would often be more convenient to get the money sooner and directly deposited into my bank, I refuse to pay 2% of my income to credit card companies. I'm kind of stubborn that way. This has been the case for the past 9 years.

    "If you've heard this story before, don't stop me, because I'd like to hear it again." Groucho Marx

    by Ruh Roh on Mon Nov 14, 2011 at 08:58:48 AM PST

  •  What is this 'cash' you speak of? (57+ / 0-)

    Since moving my checking from BoA to a credit union I have been using cash as much as possible.

    It amuses me how most young cashiers are unable to do simple math when making change. Hand them $3.19 for a $2.69 purchase and watch them go blank until they enter the amounts into a computerized register.  

    Good diary with good suggestions.

  •  Question on cost of cash (9+ / 0-)

    So whenever people start commenting on the amount retailers are charged for credit and debit purchases someone points out that cash handling has costs as well. Presumably these are smaller, and diminish as a percentage of the cash handled as the amount increases, since most of the costs are fixed. Does anyone know how much retailers pay to count, move and deposit cash?

  •  Think!!!! (7+ / 0-)

    One of the selling points, and rightfully so, is that people needn't carry around allot of cash or even a little!

    Now I want you to think what that means, combine those thoughts with crime, combined with Especially senior citizens, poorer neighborhoods or even the vast middle class ones, combined with other reasons!

    Get the drift?

    CCR:"If you're a torturer, be careful in your travel plans. It's a slow process for accountability, but we keep going."

    by jimstaro on Mon Nov 14, 2011 at 09:20:03 AM PST

    •  Paying with a check is just as good as paying with (13+ / 0-)

      cash, and the need to carry cash is diminished.  A payment by check is considered cash by nearly every business I know, including my own.  I have an arrangement with my bank that treats an out of state check as immediately available funds, and most business accounts work that way anyway.

      So, not carrying cash is still an option if you have the concern about personal security, in that merchants treat the check the same as cash.

      I believe your concern for old folks and others personal security can be dealt with quite easily and safely.

      It's all about getting the credit card issuers out of our pockets.

      Republicans are like alligators. All mouth and no ears.

      by Ohiodem1 on Mon Nov 14, 2011 at 09:38:29 AM PST

      [ Parent ]

      •  I think retailers would rather take a (4+ / 0-)
        Recommended by:
        DRo, chimpy, ColoTim, Amber6541

        credit card instead of check. With credit card, it's authorized right there on the spot, you're not walking out of the door with what you just bought if the store doesn't get their money. That's not the case with checks - there's a much greater risk involved. It's probably worth the 1-2% credit card fee to not have to worry that a check will bounce and they'll be unable to collect.

        TEABAGGER: Totally Enraged About Blacks And Gays Getting Equal Rights

        by yg17 on Mon Nov 14, 2011 at 10:20:45 AM PST

        [ Parent ]

      •  True but you don't get the privacy that you do (3+ / 0-)
        Recommended by:
        EagleOfFreedom, Amber6541, Mnemosyne

        when using only cash.

        I fall down, I get up, I keep dancing.

        by DamselleFly on Mon Nov 14, 2011 at 11:50:25 AM PST

        [ Parent ]

      •  asdf (5+ / 0-)

        Oh, hell no! Checks aren't any better for personal security! My purse was stolen in 1999. If I'd had the entire slim contents of my bank account in my purse, I'd have been out some cash. As it was, I had no tangible loss but a bunch of time dealing with paperwork, but I was made to feel like a second class citizen for two years, because I was the victim of perfidious theft.

        I had credit cards, a debit card, and my checkbook in my purse, among other things. I got home and called the credit card companies and my bank, and the plastic was all cancelled immediately.

        The thief took my checkbook to every major and minor retailer and bought approximately $8,000 worth of merchandise at various places. Those checks came back to my bank and were denied, leaving me to deal with all the collection letters for the bad checks the thief had passed. I couldn't write a check for two solid years, despite a police report and affidavits of forgery for those bad checks.

        Some places go by Telecheck or other check verification services, and even after writing them directly to request that they restore my good name, I was refused the ability to write a check in a number of places for two solid years. Home Depot, Rite Aid, Sears... I have a home and family, and these were some of our mainstay retailers.

        Today there's a minor protection: a lot of retailers buy into the electronic service that allows immediate debit from your account when you present a check. But my scenario could be repeated easily at any number of smaller businesses, and these are businesses that can rarely afford the loss.

        Weathering Michigan's recessions since the '70s.

        by jennifree2bme on Mon Nov 14, 2011 at 11:51:50 AM PST

        [ Parent ]

    •  Criminals steal and use credit cards too. (8+ / 0-)

      It's just as easy to steal a credit card as it is cash, and at many stores nowadays, you don't even have to sign the receipt for purchases under $30-$50.  And chances are you're not going to be carrying around as much cash as you have credit limit.  I'd rather have somebody steal a $20 from me than charge $5000 on my credit card.

      •  I'm sure you know the liability to the cosumer (4+ / 0-)
        Recommended by:
        mrblifil, chimpy, chimene, Amber6541

        in the situation you describe is $50.  I guess I would rather not have the felon robbing me with a gun in my face, or whacking me over the head so he/she can steal my wallet.

        My homeowner's insurance has an identity theft policy rider that costs about a dollar a year, and so does my auto policy issued by the same company.

        It's worth asking your insurance company if they have an identy theft rider available, and it is likely so very cheap that it is worth your while to buy it.

        In my case, if an identy theft event happens, I inform the insurance company, and they take over the whole process.  Given the low premium for the coverage, it is not likely that there is a whole lot of risk for the insurance company.  The same law that limits your risk to $50 also limits the insurance company's risk as well.

        Republicans are like alligators. All mouth and no ears.

        by Ohiodem1 on Mon Nov 14, 2011 at 09:57:39 AM PST

        [ Parent ]

        •  Your 'liability' is limited. The damage to your (3+ / 0-)
          Recommended by:
          Ohiodem1, James Kresnik, Amber6541

          head might not be.  Or don't you keep your credit cards in your wallet?  I keep mine in the same place I keep my cash.

          One way or another, if you're planning to spend money, you're carrying something they can steal 'face to face'.

          •  Armed robbery for the little bit of cash (2+ / 0-)
            Recommended by:
            EagleOfFreedom, mrblifil

            I carry around is a felony just the same.  Do they want to steal my checkbook?  Forgery is another felony.

            You simply can't walk around being in fear of everthing that may happen.  If you are, you are a Republican and you have bought into the Fox News and Republican memes that the world is a fearful place, and you should vote for Republicans to protecte you.   Makes very little sense.

            Of course I carry my credit cards in my wallet.  I might need them someday, but I just don't worry about that stuff.

            Republicans are like alligators. All mouth and no ears.

            by Ohiodem1 on Mon Nov 14, 2011 at 10:10:01 AM PST

            [ Parent ]

          •  I carry my credit cards in my wallet (2+ / 0-)
            Recommended by:
            mrblifil, Amber6541

            along with my cash, which is probably around $4 right now - and is unusual for me since I hardly ever have any cash on me. I'd rather lose the 4 bucks and my credit cards (since canceling and replacing them is a phone call away) than lose much more cash which I would have on me if I was cash only, and I'd be SOL.

            TEABAGGER: Totally Enraged About Blacks And Gays Getting Equal Rights

            by yg17 on Mon Nov 14, 2011 at 10:33:27 AM PST

            [ Parent ]

    •  I agree. Let's think this through. (2+ / 0-)
      Recommended by:
      Ohiodem1, NYFM

      A plain pin-protected ATM is more secure than a check card greatly reduces the amount of cash a person needs to carry around on a day-by-day basis.

      There's another important fact to remember, most neighborhoods are safe enough to where the treat of getting robbed, by any means, is quite miniscule.

    •  I have used mostly credit for many, many (0+ / 0-)

      years.  I don't like to carry cash or a checkbook.  
      I find using credit cards an easy way to track expenses, as well.  I also pay the charge cards in full every month.

      In theory, I like the idea of paying in cash, but in practice, not so much.  

      There's no trick to being a humorist when you have the whole government working for you. Will Rogers

      by Amber6541 on Mon Nov 14, 2011 at 01:44:16 PM PST

      [ Parent ]

  •  Big chain = pay with CC, small biz = pay with cash (28+ / 0-)

    That is what I do.  If it is a big chain store I will pay with my CC.

    If it is a small mom and pop or local business I will always pay with cash.  I have a few resturants where I am very much a regular.  I also pay them with cash and they appreciate it.

  •  Not sure I agree.. (6+ / 0-)

    If EVERYONE pays cash, retailers will not drop their prices.  If I pay cash, then I lose 1 to 5% in cash back rebates.  Yes, I pay my card off in full every month.  Better, why not make sure that you use a credit union credit card?   I pay virtually everything with credit cards and I typically get around $200 a year in cash rebates.  My wife is a teacher, and she usually saves up and buys major school supplies with her rebates.  A few years ago, she bought a projector (about $600) for her classroom.  

    The struggle of today, is not altogether for today--it is for a vast future also. - Lincoln

    by estamm on Mon Nov 14, 2011 at 09:33:20 AM PST

    •  If you can do that, good for you, but as I said (1+ / 0-)
      Recommended by:
      chimpy

      above, if you carry balances on your credit card, "rewards" programs are a losing game for the consumer.  If you were in that situation, wouldn't you just prefer to get a better interest rate in the first place?

      Republicans are like alligators. All mouth and no ears.

      by Ohiodem1 on Mon Nov 14, 2011 at 09:46:34 AM PST

      [ Parent ]

      •  People who have rewards cards... (5+ / 0-)
        Recommended by:
        ColoTim, Odysseus, Amber6541, cardinal, aggie98

        ...usually don't carry balances at all.

        I'm sorry, but this is a really bad idea.

        For people who know how to use credit (i.e., as if it were cash), a rewards card is always a better option.

        First, there's the cash-back, which is between 1-5% (depending).  That goes into my pocket.

        Second, credit cards have fraud protections that cash and checks simply don't.  You can't reverse a cash transaction.  You can't reverse a check transaction once it's gone through, either.  You can, however, reverse a credit transaction if you realize a merchant's ripped you off.

        Third, merchants have the option to refuse to take credit cards.

        Fourth, anyone who believes that merchants will lower their prices 2% overall if their customers switch over to cash or checks is living in a fool's paradise.  They won't.  They'll simply take the 2% and pocket it.

        I'm sorry, but in the War Between the Big Banks and the Big Merchants, I choose myself.  I figure both sides are trying to screw me over.

        •  Get (1+ / 0-)
          Recommended by:
          Amber6541

          A cash discount campaign going.  Gas stations in california charge about 8 cents a gallon more for cc transactions. Many charge a debit card fee. For small businesses, ASK how they want to be    paid. Also sbuy store specific prepaid cards

          Oh, look.....I get a tagline. I better not waste it. I'd rather have a bottle in front of me than a frontal lobotomy.

          by sd4david on Mon Nov 14, 2011 at 01:24:09 PM PST

          [ Parent ]

          •  Problem with "cash discounts". (0+ / 0-)

            Most vendors sign agreements that the price they charge people with credit cards is the same as they charge everyone else.

            I live in CA, too, and only ARCOs charge more for using plastic, but it's a flat $0.45 fee.  Even that is probably in violation of their CC agreements, unless they made one other vendors can't make.

            Buying store specific prepaid cards isn't in my interest as a consumer.  That means the store gets my money--and gets to invest it or do whatever they want with it--until I use whatever goods and services it's worth, which may be today or may be two years down the road.  Moreover, those funds are locked to that particular store--they're no longer "fungible".

            On the other hand, using a credit card, I can "float" the expense 20-45 days and earn interest on the float myself.  Furthermore, the merchant doesn't get my funds until they've provided goods or services.  Even beyond that, my money remains liquid until I've purchased those goods or services.  I'm not in a position where I'm locked in to choosing that merchant.

            I'm not a charity for merchants.  I'm a consumer.

        •  On one occasion, a vendor charged my card (1+ / 0-)
          Recommended by:
          Lasgalen Lothir

          twice for the same product.  It took one phone call to my credit card company and they took care of the problem.  Now that I think about it, I think that happened twice.  The other one was a gas station; same thing, one phone call.
            I match up my receipts to the statement when it comes in, so I can catch any discrepancy.   I also post the amounts in Quicken at the same time, then put it in the electronic payment program at my bank.
            Also, I have used the electronic payment program with my credit union, until they they had sent too many letters telling me a payment was not made.  We had the cash, just some glitch on their end.  The notification I received (by mail) made getting the "problem" bill paid on time a problem.  I have never had any problem getting bills paid electronically with the system my bank uses.

          There's no trick to being a humorist when you have the whole government working for you. Will Rogers

          by Amber6541 on Mon Nov 14, 2011 at 02:02:50 PM PST

          [ Parent ]

        •  "They'll simply take the 2% and pocket it" (0+ / 0-)

          that's actually the point the diarist is making...

          "Pay your local retailers in cash and give them a 2% raise this holiday season."  
          (emphasis mine ;)

          If you pay with cash, your local retailer "pockets" 100% of that sale as revenue; if you pay with a credit or debit card, only 98% (or less) of that sale ends up in their pocket.
          I shop at small, local businesses whenever possible, and pay with cash whenever I can.  In my opinion, when I pay with a credit or debit card, I'm asking the business owner to pay a fee because I choose to carry plastic instead of cash.

          •  And yet... (1+ / 0-)
            Recommended by:
            NYFM

            ...with my rewards cards, I can pocket between 1-5% myself.

            The businesses have the choice not to take plastic at all.  We all know why most of them don't make that choice--they'd easily lose 50% or more of their business.  It's a cost of doing business.

        •  In most cases (0+ / 0-)

          the merchant card agreement prevents them from offering a cash price less than the credit price....at least mine does...

          Without geometry, life is pointless. And blues harmonica players suck.

          by blindcynic on Mon Nov 14, 2011 at 06:46:12 PM PST

          [ Parent ]

    •  But your local retailers generally aren't using (18+ / 0-)

      your money to lobby government for laws that work against you.  You pay a bit more upfront, but don't actually subsidize those working to get public employees like teachers laid off.

    •  too bad (3+ / 0-)
      Recommended by:
      chimpy, Amber6541, nosleep4u

      she had to buy her own projector.  School taxes should have covered it.  

      Sarah Palin - reality TV is the closest she's ever going to get to reality.

      by jackandjill on Mon Nov 14, 2011 at 11:09:00 AM PST

      [ Parent ]

    •  We're the same way. (1+ / 0-)
      Recommended by:
      Amber6541

      We pay everything we can to CC and pay it off in full each month.  And like you, also get about $200 or more annually credited back to our account in rebates.

      We also use the CC receipts and statements to keep track of all monthly expenses and purchases.  I think that would be more difficult with cash.

      I would be interested in looking into a CC that our credit union offers.

  •  Next Saturday (not this one) is 'Small Business (15+ / 0-)

    Saturday' on which we are urged to be good little consumers, but to do so at local non-chain type stores.  Anyone who plans to do so should definitely pay cash, as the smaller the business, the worse the transaction fees they have to pay, and the more their profit margins are hurt.  Thanks for the diary.

    •  With all due respect (0+ / 0-)

      small businesses that are losing money to transaction fees should simply drop the use of credit cards. There are many fledgling businesses in my neighborhood, and some not-so-fledgling, that only take cash. Wholesale adoption of a cash-and-carry lifestyle is exactly the opposite direction the modern consumer should be going. To say nothing of the influence of untraceable cash reserves on criminal enterprises. Transactions with an electronic record are of inestimable value to consumers. If you are screwed out of cash by an unscrupulous person, there's just about nothing that can be done for you.

    •  Re (2+ / 0-)
      Recommended by:
      Lasgalen Lothir, cardinal

      I simply assume that if a business offers credit cards, they are OK with me using them. Maybe they like it better, who knows?

      It's silly to pass up an easy, advantageous, and cheaper method that the vendor offers to you in favor of something less convenient and more expensive. The vendor can and does choose to accept credit cards, after all.

       

      (-5.50,-6.67): Left Libertarian
      Leadership doesn't mean taking a straw poll and then just throwing up your hands. -Jyrinx

      by Sparhawk on Mon Nov 14, 2011 at 11:29:42 AM PST

      [ Parent ]

      •  Bingo. If a vendor does not want to pay (2+ / 0-)
        Recommended by:
        Lasgalen Lothir, cardinal

        credit card transaction fees, then they do not have to take credit cards, and I can choose to not shop there because of the added inconvenience of me having to go to an ATM to get cash.

        TEABAGGER: Totally Enraged About Blacks And Gays Getting Equal Rights

        by yg17 on Mon Nov 14, 2011 at 11:38:03 AM PST

        [ Parent ]

      •  I often ask if I can charge the amount of (0+ / 0-)

        my purchase when it is a low-cost item, as some businesses have a minimum amount that can be charged, usually $10, sometimes higher.

        There's no trick to being a humorist when you have the whole government working for you. Will Rogers

        by Amber6541 on Mon Nov 14, 2011 at 02:07:42 PM PST

        [ Parent ]

      •  Not from my experience on the inside of several (0+ / 0-)

        small businesses.  They didn't like losing the cash, but simply figured they'd be unable to get enough traffic if they put up 'cash only' signs that would deter casual customers who might later become repeat customers.

        'Necessary evil' was the operative phrase.

  •  Awesome diary, love it (14+ / 0-)

    I always pay with cash whenever I can

    #OccupyWallStreet ~ an island of Athenian democracy in a sea of Oligarchy

    by MinistryOfTruth on Mon Nov 14, 2011 at 09:46:43 AM PST

    •  Thanks MOT (5+ / 0-)

      Your words of advice to dKos bloggers in the past have kept me at it on here.  Coming from you, that's a great honor. :)

      ~ Nothing insightful to say ~

      by EagleOfFreedom on Mon Nov 14, 2011 at 09:59:52 AM PST

      [ Parent ]

    •  I do too, mostly (0+ / 0-)

      The record keeping aspect of credit cards is helpful. But I especially like the idea that in many cases there's no paper trail of what I'm buying if I pay Cash.

      Supermarket loyalty cards are another annoyance. No one knows where the Marketing Information goes, but if I pick up some anti-depressants for my mother in law and pay for them using my "loyalty" card, and later my insurance company gets that data.....

      yeah I know, CT.... but sometime it's not a theory....

      Without geometry, life is pointless. And blues harmonica players suck.

      by blindcynic on Mon Nov 14, 2011 at 06:53:53 PM PST

      [ Parent ]

    •  Credit Card Free Black Friday (0+ / 0-)

      If you could just tell every one you know to pay cash on Black Friday, that would be huge and we could move on from this credit/cash debate.  I'm not asking people to go "cold turkey" so to speak, I just want to make a
      REALLY BIG STATEMENT on Black Friday.

  •  Thanks have been for years Im tired of (9+ / 0-)

    the bank robbers making money off of me.

    Tipped and reced.

    The radical Republican party is the party of oppression, fear, loathing and above all more money and power for the people who robbed us.

    by a2nite on Mon Nov 14, 2011 at 09:46:47 AM PST

  •  Cut Up the Cards ! (8+ / 0-)

    Use cards only for emergencies or to take advantage of discounts in between paychecks. Not only does using cash cut the banksters out of the transaction, it also helps folks with spending discipline; if you can't afford to pay cash you probably shouldn't be buying the product. Oh, it's quicker in the check-out lines too. It's a disappointing enough to see people borrowing to buy their groceries, just to make sure Wall St. gets their piece, but they always hold up the line trying to figure out how to swipe the card and enter numbers in that little card machine thing.

    •   (5+ / 0-)
      Recommended by:
      Azazello, Ohiodem1, DRo, chimpy, Odysseus

      if you can't afford to pay cash you probably shouldn't be buying the product

      Except that there are usually fairly stringent rules on how much cash you can pull from an ATM per day -- I bought something that cost $650 via cash recently, and had to go to the ATM twice, over 24 hours apart, and if I hadn't already had the $50 it would have been three times.  

      It really isn't logistically feasible for larger purchases, and have you tried to pay with a check lately?  That holds up the line far, far more.  

      I do try to use cash, especially at small businesses, but it's just not feasible to cut up the cards completely.  

      •  Yes, there's that. (4+ / 0-)

        I do the same kind of thing sometimes for large purchases. My CU will give me any amount of cash if I go inside and get it from a teller, but I too use a card for major purchases when it's appropriate. I was talking about the impulse purchases that people sometimes make just because the card is there and convenient. See comment below.

        ¡Viva Baja Libre!

        by Azazello on Mon Nov 14, 2011 at 10:12:28 AM PST

        [ Parent ]

        •  that wasn't the impression I got from your post (1+ / 0-)
          Recommended by:
          Azazello

          Sorry.  I got the impression you were implying that everyone could and should go card-free, which just doesn't make sense today.  I do plan to close my one Evil Empire-ish credit card as soon as I can*, but I can't cut up my cards.  

          * Working on getting my mortgage out of BoA's grubby little paws first, and I don't want the movement of closing a card with a huge amount of credit history and opening a new one on my credit report until that is done.  

      •  You know, I really don't worry about whether I (5+ / 0-)

        am holding up a line if I write a check for a purchase.  Many merchants can fill in the check for you.  Was that bank you went to your own, and was its doors open at the time?  You know you can go inside and even if you don't have your checkbook with you, you can write a counter check and get the whole $600.

        Maybe what Daily Kos needs to do is to have a group that teaches people basic services that banks offer their customers.  Only in the bank commericals does the use of cash or the writing of a check create embarrasment of people.  It really isn't embarrassing.  Really.

        Republicans are like alligators. All mouth and no ears.

        by Ohiodem1 on Mon Nov 14, 2011 at 10:16:50 AM PST

        [ Parent ]

        •  I work. (2+ / 0-)
          Recommended by:
          Ohiodem1, cardinal

          Please don't speak to me like I'm a child.  I'm a working adult, who knows how to use a bank.   I'm saying that we cannot ask people to do things that do not work with their lifestyles.  

          I'd have to take at least a half day off work to get to my (generally lovely, small, local) Credit Union when they're open.  No go.  The banks I went to were not my CU, but were in a local consortium of no-fee ATMs, and were all closed at the time.    I work banking hours, and so do lots and lots of people.  

          1) I also doubt it would hold a line up too badly if the person writing the check isn't having other difficulties (I see older people who are having trouble with basic writing and math due to age struggling with checks) but the person I was replying to brought that up, so I replied to that point.  

          2) A lot of people are worried about public perception of themselves, so we do need to address this.  You may be OK with it, but not everyone is.  

          3)  I don't know how much longer places are going to keep taking checks -- from what I've heard from friends, the USA is about the only place where they're still considered acceptable currency -- no one uses them, even for person-to-person transfers, in Europe and elsewhere.  Not a long-term solution.

          •  Sorry if I offended you. (0+ / 0-)

            Checks will be with us until the banks come up with something better, and better will be determined by whether consumers and vendors think it's better, meaning as secure, and as cheap or cheaper for both parties to the transaction.

            Maybe some folks need to develop a thicker skin.  Making a standard business transaction for a cash equivalent shouldn't be cause, in my opinion for embarrassment or shame.  It just shouldn't.

            If the check writer can't do basic math, assuming they have no learning disabilities, etc., than this is an indictment of our public education system, and we, as a society need to stand up and say we will have quality schools and we're willing to pay for it, and we're willing to make corporate interests pay their fair share of that cost as well.

            Republicans are like alligators. All mouth and no ears.

            by Ohiodem1 on Mon Nov 14, 2011 at 04:15:32 PM PST

            [ Parent ]

      •  just not feasible to cut up the cards completely. (0+ / 0-)

        yeah, try and get a hotel reservation and rent a car....

        Without geometry, life is pointless. And blues harmonica players suck.

        by blindcynic on Mon Nov 14, 2011 at 06:55:32 PM PST

        [ Parent ]

  •  I recently converted my daughter (19+ / 0-)

    to a cash-for-discretionary-spending lifestyle, and she's already noticed a positive improvement in her spending habits.  As she put it, "When I'm down to my last $20 bill,  I actually pause before compulsively buying that $5 Pumpkin Spice Latte.  If I was still using my debit card all the time, I wouldn't give it a second thought." For the first time ever, she actually still had cash it her wallet when she got paid last week ;)

    We had the conversation about using cash vs. electronic transactions because, while straightening up one day I came across one of her paychecks - still in an envelope.  I sent her a text and told her I'd found it, assuming she'd want to deposit it.  "Aww, that's cute, mom.  I already deposited it electronically, silly!"  That launched me into a parental rant...."When I was your age, I had to drive to a bank to cash a check.  Then I had to walk into the bank, and sign the check with a tethered pen.  Then I'd give the check to a real person, who would give me real cash, and I'd walk out knowing exactly what I had to spend til next payday because it was in my wallet."  

    There's alot to be said for keeping a tangible, visible connection with your cash, and I'm glad my daughter has learned to stop and think about what she's spending and whether or not something is "worth breaking a $20 for".

    •  worth breaking a 20 for -- right on! (3+ / 0-)

      one of the things I LOVE about our current cash practice is that the "worth breaking a 20 for" will quickly work its way down to "worth breaking a 5 for"!!!  ha, ha.

      once a week (or 10 days), I go to a FREE ATM and pull $100 cash (5 20's) for "walking around money".  this is what the family uses for small purchases, like milk from the corner-store, Sunday paper, candy from the corner-store, junque foode nights, etc.  sounds piddly, but we're just not "recreational shoppers".

      and boy do I hate to break those bills, because once you do, they just disappear, 8-)!  handing 20 or a 10 over to bicycle-boy to make a milk-run HURTS!  and seeing most of a 20 dissolve in front of your eyes as you make the junque-foode round is almost as (negative) motivating as thinking about the nutritional damage! (most JF runs stop at 3 places, one for each of us!)

      "real" work : a job where you wash your hands BEFORE you use the bathroom...

      by chimene on Mon Nov 14, 2011 at 01:02:34 PM PST

      [ Parent ]

  •  I've been using cash for years (12+ / 0-)

    About twelve years ago, my husband and I cut up our credit cards.  No more debt.  If we can't afford it, we don't buy it.

    I also pay my bills (car insurance, cable + phone + internet and electric bill) with cash at their convenient locations near my home.

    I also shop with cash for my household needs.

    My husband pays our mortgage with a check from our checking account located at a small community bank.  

    Growing old is inevitable...Growing up is purely optional

    by grannycarol on Mon Nov 14, 2011 at 09:55:05 AM PST

    •  I use auto-pay (7+ / 0-)

      for the bills and mortgage.

      No credit cards OR cash needed.  I don't even need to think about paying the regular bills anymore.

      I use my CC for online purchases and purchases of items in national chains like Target, but use cash for all small local businesses.

      Which is good news for John McCain.

      by AppleP on Mon Nov 14, 2011 at 10:14:05 AM PST

      [ Parent ]

      •  Yes! Exactly! (3+ / 0-)
        Recommended by:
        chimpy, Wood Dragon, Odysseus

        While writing this diary, I realized how much more I should do.  The bullet I mentioned above about moving gym membership to billpay instead of monthy charge to a credit card was a reminder for ME to do more.  Billpay sends checks out for any retailer who they cannot electronically transfer to, and can cut out that middle man skimming off the 2%.

        ~ Nothing insightful to say ~

        by EagleOfFreedom on Mon Nov 14, 2011 at 10:20:50 AM PST

        [ Parent ]

      •  quite convenient, yes... (0+ / 0-)

        since the house & car are paid off, years ago, we only have a couple of monthly bills, most of which are set up for automatic withdrawal by the vendor (i.e. water-electric utility, phone); a couple we pay by hand electronically (because the vendor's auto-draw doesn't work more than about 50% of the time, DISH!).  that's about it.

        "real" work : a job where you wash your hands BEFORE you use the bathroom...

        by chimene on Mon Nov 14, 2011 at 01:07:46 PM PST

        [ Parent ]

        •  oh yeah, one other monthly -- the one CC! (0+ / 0-)

          gets paid off, in cash, in full, every month at the bank (CU actually).  We haven't carried a balance in 15 years, probably longer.  My DH is trained as an accountant and he worked for several years to get us out from under all but our one CU card.  It was actually pretty easy to throttle-down and hang on, because we could see the light at the end of the tunnel from the beginning.  Then we kept on and he paid off the house at least 10 yrs early.  Then the car.  

          "real" work : a job where you wash your hands BEFORE you use the bathroom...

          by chimene on Mon Nov 14, 2011 at 01:11:35 PM PST

          [ Parent ]

    •  Me too (3+ / 0-)
      Recommended by:
      EagleOfFreedom, chimpy, Odysseus

      sort of. I have been credit card-free for 13 years (!!), but I have been using my debit card instead of cash.

      Interestingly, I had been having the same thoughts as the diarist for a couple of weeks, now, and this serves as encouragement to use actual cash more often, especially when buying local.

      "No one earns $100 million. You steal $100 million." --Fran Lebowitz

      by SNFinVA on Mon Nov 14, 2011 at 10:23:11 AM PST

      [ Parent ]

  •  I'm kicking the debit-card habit (10+ / 0-)

    Going back to cash sounds like an idea whose time has come.   And, as a bonus, we might regain a little privacy.  

    "The extinction of the human race will come from its inability to EMOTIONALLY comprehend the exponential function." -- Edward Teller

    by lgmcp on Mon Nov 14, 2011 at 10:12:02 AM PST

  •  Warrenesque! (8+ / 0-)

    Elizabeth included this as a part of her broader advice in All Your Worth, a personal financial planning book she wrote with her daughter.   They go on as some length about the benefits of using cash to avoid credit card companies' tricks and traps.

  •  ..or checks from Credit Union? n/t (2+ / 0-)
    Recommended by:
    EagleOfFreedom, chimpy

    If you can find money to kill people, you can find money to help people. --Tony Benn

    by rhetoricus on Mon Nov 14, 2011 at 10:16:19 AM PST

  •  No thanks. A recent incident reminded me why (13+ / 0-)

    I love credit cards. My iPad broke the other day. It's out of Apple's warranty. But American Express doubles the manufacturers warranty for anything you put on your AmEx. I faxed over the paperwork this morning, soon I'll find out if they'll either pay for the repair or refund the original purchase price (hopefully the latter so I can get an iPad 2, but I'll take a repair). Try doing that with cash.

    Several months ago while in London, I was unable to use some train tickets I purchased because the workers went on strike. I'm all for labor, but I'm also for getting money back for products I couldn't use. The company was not responsive in refunding my money, so after going that route failed, I called up my credit card company, described the situation, and a day later they credited the cost of the tickets back to my card. Try doing that with cash.

    You all can go cash only, but I'll stick with plastic and the benefits and protection it provides. I pay no annual fees, pay in full each month (so no interest or late fees), and get cash back rewards. So you'll have to pry my credit cards from my cold dead hands.

    TEABAGGER: Totally Enraged About Blacks And Gays Getting Equal Rights

    by yg17 on Mon Nov 14, 2011 at 10:29:03 AM PST

    •  Exactly (5+ / 0-)
      Recommended by:
      yg17, mrblifil, Lasgalen Lothir, ColoTim, NYFM

      Switching to cash is not only not convenient, it's very risky. I'll stick with my debit card, thank you very much.

      Proud supporter of nuclear power!

      by zegota on Mon Nov 14, 2011 at 10:35:16 AM PST

      [ Parent ]

    •  Yeah, there really are advantages to credit cards (7+ / 0-)

      that this diary has overlooked in its advocacy.  Personally, I don't give a crap about the privacy concerns and I find that my credit cards provide a great service for monitoring and classifying my family's budget.  We pay off our credit cards every time we make a purchase and have no other fees.  So, I'm a little torn here.  I'd love to ditch the credit card oligopoly while keeping the automated transactions and security of credit cards.  I wish there was an open source alternative.

      •  Love it (1+ / 0-)
        Recommended by:
        chimpy

        That may be where we end up, but until we have an alternative, I think moving money to Credit Unions and paying cash may be the best way to influence the market to provide an alternative.

        But seriously, every person should look at their own habits and see what they can do.  It's up to you to decide what is right for you in your particular situation.

        ~ Nothing insightful to say ~

        by EagleOfFreedom on Mon Nov 14, 2011 at 11:08:23 AM PST

        [ Parent ]

        •  at the least, think more about using CC (0+ / 0-)

          at least think about the pros & cons of using cash or check or debit or CC... instead of just automatically reaching for whatever you usually reach for first...

          and I am one of the least introspective people in existence!  but boy, handing over paper and metal bits DOES make you go a little slower; lots of us would probably be better off if the plastic bits elicited the same reaction!

          "real" work : a job where you wash your hands BEFORE you use the bathroom...

          by chimene on Mon Nov 14, 2011 at 04:05:31 PM PST

          [ Parent ]

    •  I use credit cards to prove payments have been (0+ / 0-)

      made.  I can prove that I paid for a parking lot or parking meter.  I had a ticket years ago where the lot said I didn't pay for the day and it cost me half a day and $10 for the parking ticket.  I had no way to prove I paid the eighty-five cent original charge.  There's a nice paper trail for credit card purchases that doesn't exist for cash.

      Everyone has their own situations, but since I pay the balances every month, I am able to avoid the extra charges that fund the credit card beast - at least from me.

    •  Yep. My wife and I love our Amex (0+ / 0-)

      and the rewards points are useful too.
      Going all cash is very questionable.

  •  Another Benefit To Cash (3+ / 0-)
    Recommended by:
    Pluto, chimpy, ColoTim

    One advantage in paying cash consists of the following (an advantage I've previously taken):

    One can leave a small (potentially powerful) message on currency.  One can purchase a relatively inexpensive self-inking rubber stamp with a custom message that one can place on all one's currency.

    When I campaigned for Obama in before 2008, I routinely marked up all my currency with a self-inking rubber stamp with a Vote for Obama message.

    To be sure, the message or message(s) must change now.  We should use coordinated messaging.

    To be sure, some will say that this action would consist of the unlawful act of defacing money.  Not necessarily true, to wit:

    TITLE 18 - CRIMES AND CRIMINAL PROCEDURE
    PART I - CRIMES
    CHAPTER 17 - COINS AND CURRENCY
    § 333. Mutilation of national bank obligations

    Whoever mutilates, cuts, defaces, disfigures, or perforates, or unites or cements together, or does any other thing to any bank bill, draft, note, or other evidence of debt issued by any national banking
    association, or Federal Reserve bank, or the Federal Reserve System, with intent to render such bank bill, draft, note, or other evidence of debt unfit to be reissued, shall be fined under this title or imprisoned not more than six months, or both.

    The important part of the definition of the crime of mutilation of money above:  One must have the intent to render the money unfit to be reissued (i.e., used, in the sense of currency).  The important part of the legality of this action: One does not have the intent to render the note unfit for reissue; rather, quite to the contrary, one wants to render the note in such a way that it gets a maximum amount of re-issuance (use), to spread the message.

    One should insure that one does not obliterate the visible denomination of the note, or any other important part of the note. I limited my stampings to blank areas on the bill. I also checked that my stampings did not prevent the note's use in machines that accepted one and five dollar bills. I used red ink.

    Now, anybody have any suggestions for an appropriate coordinated message?

  •  here's some reality (21+ / 0-)

    I drive a taxi.
    In 30 years I've lost $170 to robbery.
    I lose $2000 a year to credit card fees.
    My city just raised it's meter rates 20% to compensate for those losses.
    Get it?

  •  Almost 50 years ago - I cut up hubby's (5+ / 0-)

    first credit card.   He just couldn't connect the reality -- if you put $20 on card, you can't spend it again in cash.  

    Especially tricky is using card to get "sale" price -- without calculating how much more you'll spend in interest or late payment fee.   I really hate late fees which punish the poor yet again if late pay is result of paycheck date not in synch with due dates.

    De fund + de bunk = de EXIT--->>>>>

    by Neon Mama on Mon Nov 14, 2011 at 10:39:02 AM PST

  •  Why not advocate barter???!!! (5+ / 0-)
    Recommended by:
    yg17, Lasgalen Lothir, ColoTim, scarvegas, NYFM

    Hey you know what else is an unlooked for consequence of paying for everything with the cash you have on hand? Multiple trips to ATMs and the likelihood of incurring withdrawal fees!

    It's true that banks and credit companies would like to pay a premium for the convenience of plastic. American Express charges an annual fee but you carry no interest and there are no transaction fees to customers. Many transactions can now be handled with a smart phone. I'm not sure the only answers to predatory practices by shitty companies is to adopt a wholesale Luddite world view.

    •  AmEx doesn't charge an annual fee (3+ / 0-)
      Recommended by:
      Lasgalen Lothir, kefauver, NYFM

      on all of their cards. I have AmEx Clear and have no annual fee.

      Those dumb bastards are paying me to use the card thanks to the cash back rewards.

      TEABAGGER: Totally Enraged About Blacks And Gays Getting Equal Rights

      by yg17 on Mon Nov 14, 2011 at 11:17:34 AM PST

      [ Parent ]

    •  If your bank charges you for withdrawing your own (1+ / 0-)
      Recommended by:
      chimpy

      money, then it's time to switch banks, as other diaries have pointed out.  I have my checking with a locally owned back, and there are a number of locations all around town.    

      When I deposit my paycheck, I withdraw a certain amount in cash, to accommodate my usual daily needs for a week or so.  

      If someone wants to pay cash for most of their purchases/expenses, it can certainly be done fairly easily with a little bit of planning/organization.

      For travel out of town, I bring a certain amount in cash, then use my debit card for expenses along the way.  

    •  Oh, fuck off. (1+ / 0-)
      Recommended by:
      buddabelly

      Using money for money is not luddite.  And I'm fucking sick of my cash transactions subsidizing your credit card rewards points.  Where do you think that money comes from?  Other customers.

      Passengers: Feel free to rearrange the deck chairs, but please remember that the bridge is off limits.

      by happymisanthropy on Mon Nov 14, 2011 at 12:32:05 PM PST

      [ Parent ]

      •  Oh, please. (0+ / 0-)

        Seriously.

        If you really think merchants would lower their prices, you're only fooling yourself.

        Heck, look at the situation we're in.  Debit fees have been capped.  The merchants sold Congress and the American public on the idea that if debit card fees were lowered, prices would drop, too.  That was their major selling point.

        Have they lowered their prices in response?  Nope.  They're pocketing the difference.

        This was a fight between the Big Banks and the Big Merchants.  If you believe it was ever about the consumer, you got duped.

        •  Small businesses I know and do business with (0+ / 0-)

          were forced to violate their contracts.  They weren't allowed to make "no debit purchases for $5 or less" rules.  But they had to to survive.

          Yeah, I'm sure Wal-Mart pocketed the difference.  But I don't shop there.

          Passengers: Feel free to rearrange the deck chairs, but please remember that the bridge is off limits.

          by happymisanthropy on Mon Nov 14, 2011 at 01:42:13 PM PST

          [ Parent ]

    •  Strawman garbage. eom. (0+ / 0-)

      "What could BPossibly go wrong??" -RLMiller "God is just pretend." - eru

      by nosleep4u on Mon Nov 14, 2011 at 02:54:25 PM PST

      [ Parent ]

  •  Great info! (2+ / 0-)
    Recommended by:
    DRo, EagleOfFreedom

    I've been meaning to only use cash for some time now but honestly have just been lazy. You have inspired me to do it now, thanks :-)

  •  I highly recommend this (5+ / 0-)

    I have no credit cards at this time.  I have a Mastercard debit card that I use for any purchases for which I don't pay cash or write a check.

    I pay most of my bills now by postal money order; and carry a certain amount of cash with me each day to cover gas, a meal out, or any other incidental expense.

    My grocery shopping and gas purchases are done via the debit card, so if someone were tracking my debit purchases, they'd know my monthly grocery and gas expenses.  

    I have had to re-learn how to save up for big ticket items, like a new t.v., a vacation, or an expensive dental procedure.  It was painful to go cold turkey without a credit card for when I ran short at the end of a pay period.  There are still times when I have only a few dollars to tide me over until the next paycheck.  

    But it feels so good to a) have no credit card debt, and b) regain a little bit of my privacy re my spending habits.  Helping out local merchants by paying cash is a further benefit.

  •  I offer a 2% cash discount at my store. (13+ / 0-)

    I've been doing it for about 2 years now, ever sine the credit markets shit the bed, in fact. I did it because it made me feel better, like I was somehow hurting the banks. I'm sure the banks don't care but my customers love it.

    This comment may not be reproduced or excerpted on other sites without my express written permission.

    by psilocynic on Mon Nov 14, 2011 at 10:58:12 AM PST

    •  they care (4+ / 0-)

      In fact, it is likely against your merchant agreement you signed. You should check that before you get in serious trouble.

      (-5.50,-6.67): Left Libertarian
      Leadership doesn't mean taking a straw poll and then just throwing up your hands. -Jyrinx

      by Sparhawk on Mon Nov 14, 2011 at 11:53:03 AM PST

      [ Parent ]

      •  My bank knows. (0+ / 0-)

        The manager and tellers at my branch think it's a good idea. If they tell me to stop I'll just switch processors or let them take me to court as I tell all the teevee people I can about how I'm getting bullied by a merchant services processor.

        This comment may not be reproduced or excerpted on other sites without my express written permission.

        by psilocynic on Mon Nov 14, 2011 at 04:33:25 PM PST

        [ Parent ]

  •  Use CU ATM if possible (5+ / 0-)
    Recommended by:
    DRo, chimpy, ColoTim, EagleOfFreedom, gizmo59

    A number of credit unions provide ATM fee rebates when you use other banks ATMs. This is cheaper and more convienent because the credit union may not have a lot of ATMs nearby. However keep in mind that those fees are still going to the big bank. So if possible, make withdrawals from the credit unions own ATM or an ATM from another small bank or credit union. Otherwise you are still feeding a big bank.

  •  Couldn't agree more.... (5+ / 0-)

    Banks have trained us very well to think plastic is better than cash.  By that clever training they have gained a cut off the top of most all commerce for the nation.  They now get a cut of groceries, clothing, medical costs and     automotive costs, not to mention they have worked their way in to t cut of unemployment payments and food stamps.

    Even if there is no direct cost to users there are hidden costs that are passed on to us and that are gravy off the top to them.

    Think before you swipe! Do you really want to give them a cut?

    If this cut off the top were called a tax people would scream and there would be protests galore. But we willingly have accepted their slice off the top without a whimper.

    I shudder when I see folks buying (about $6) a piece of plastic with a logo on it to give as a gift (plus the face amount).  That's money that could go to the person instead of a bank.

    There are people who get their pay via cards today.

    We should wake up.

    There are times when the cards are a necessity; on-line purchases, renting cars or making airline reservations.  But they are few and the every day purchases that make op the most give the banksters a cut for no reason.  They tempt us with mileage and bonus points only to deceive.

    Thanks for the diary.

    Spread the word.

    Be the change you want to see in the world. -Gandhi

    by DRo on Mon Nov 14, 2011 at 11:23:14 AM PST

  •  Your right, excellent dairy (3+ / 0-)
    Recommended by:
    chimpy, Wood Dragon, EagleOfFreedom

    Were all hooked on debit /credit cards. Using cash is a great way to keep money in your local economy. Last week I used cash only.  I went to the CU and got out a weeks worth of running money,  as my mom used to call it.  I realized that it made me more aware of what I was spending as you watch the bills dwindle rather then being removed electronically out of sight, until you check what you have spent. It's makes it easier to spend when you swipe your card. I have yo make it till Wednesday on what's left. It is going to take an adjustment and a rethinking to use cash but well worth the effort.

    congratulations on making the wreck list this diary deserves it.  

  •  Please forgive the apparent bragging, (3+ / 0-)
    Recommended by:
    chimpy, DamselleFly, chancew

    I don't intend any arrogance or smugness, sincerely.

    We (my wife and I) have no FICO score -- not a poor credit rating, the agencies simply report that there is not enough data to formulate a score.

    I am, quite admittedly, proud of that little aspect of our lives. We've been fortunate enough to be able to avoid using credit for anything for over twenty years now.

    We're not 1%ers by any measure, we live frugally and have virtually no cushion for emergencies or retirement.

    It is my dream to see the demise of the credit system entirely and it is possible if a majority of folks follow our example and make the sacrifices necessary to be able to live life credit- and debt-free.

    It hasn't been easy and continues to be an inconvenient way of life. Travel is especially difficult.

    Is it worth it? Hell yes.

    "If we want to reduce our dependence on fossil fuels, we need to reduce the number of our senators dependent on fossil fuel contributions." - Rodney Glassman

    by Darryl House on Mon Nov 14, 2011 at 11:27:43 AM PST

  •  o...THE IRONY! (0+ / 1-)
    Recommended by:
    Hidden by:
    DEMonrat ankle biter

    Number 1 reason why small retailers like cash?

    It doesn't have to be reported to the IRS!!!

    Pay with cash=Less revenue to the gubmint=Less money for all your favorite big gubmint programs.

    You people are a riot.

    Left Coast Libertarian

    by pacspeed on Mon Nov 14, 2011 at 11:34:11 AM PST

    •  In general this is not true (10+ / 0-)

      When I make a cash purchase it goes through the same register and ends up on the same tape or electronic data that credit card purchases do.

      When I buy something, I expect a receipt, and it goes through the normal sales process as a non-cash transaction and is recorded.

      If a business gets caught doing what you suggest, that would get them in very big trouble.

      I have worked on programming POP software for restaurant service.  The only way to 'steal' is to not write up the sale.

      I fall down, I get up, I keep dancing.

      by DamselleFly on Mon Nov 14, 2011 at 11:57:54 AM PST

      [ Parent ]

    •  and you're not particularly swift (3+ / 0-)

      why would "we people" care if the mom and pop diner on the corner is shaving the irs when the biggest corporations in america pay no taxes?

      it's jaywalking vs. murder, mr. libertarian guy, and i know which one gets my attention...now go count your krugerrands

      Kick a "job creator" in the balls today!

      by memofromturner on Mon Nov 14, 2011 at 12:00:01 PM PST

      [ Parent ]

      •  HEY, I get it! (0+ / 0-)

        Krugerrands...like the South African currency right? 'Cuz that's an easy way to equate my opinions with Apartheid...'cuz anyone who's a Libertarian is OBVIOUSLY also a white supremacist.

        Man, who can argue with THAT logic?

        Left Coast Libertarian

        by pacspeed on Mon Nov 14, 2011 at 01:49:51 PM PST

        [ Parent ]

        •  actually anyone who is a libertarian is (3+ / 0-)

          someone who hasn't grown out of pubescence yet and realized there are other people and a whole world outside of themselves

          •  Yeah yeah yeah (0+ / 0-)

            Shocker, I know, but Ive heard this before. Libertarians are the party of teenage boys. Because obviously teenage boys just want to get wasted and laid and damn the consequences.

            Well, if we're going down this road, I'll rebut with the notion that leftist/progressive politics are the stance for 8 year old girls. A world where if everyone would just be FAIR and NICE, then all would be rainbows and sparkles, and everyone would get pudding in their lunch box.

            Well here's the thing. If there's anything like a constant in human behavior since we evolved from scurrying rodents post KT-boundary, it's avarice and greed. Your white-liberal self flagellation would be met with mockery by most of the world. No matter what you tell yourself, humans WANT stuff. They want money, they want land, they want resources. And they want it for themselves and their families, not for you.

            Libertarians don't APPROVE of avarice, but we acknowledge that it is a fundamental condition of humanity, and any effective public policy had better take it into account. This is not a small distinction, but it's apparently one very few people understand.

            Left Coast Libertarian

            by pacspeed on Mon Nov 14, 2011 at 03:30:00 PM PST

            [ Parent ]

        •  libert-aryan...makes sense (0+ / 0-)

          now, go scoff at your inferiors

          Kick a "job creator" in the balls today!

          by memofromturner on Mon Nov 14, 2011 at 03:13:00 PM PST

          [ Parent ]

  •  More than 2% in some cases (2+ / 0-)
    Recommended by:
    EagleOfFreedom, jfdunphy

    In Denver, Yellow cab drivers pay the company a 5% surcharge on credit card transactions.  I don't know if that's the only business that charges its agents for accepting credit cards, but I wouldn't be surprised if restaurants started skimming a few percentages off of their wait staff.

    "Those who can, do. Those who can't, teach." - Originally said by someone who can do neither.

    by bondibox on Mon Nov 14, 2011 at 11:38:17 AM PST

  •  great diary, but one small pointer: (3+ / 0-)

    For campaign finance reporting compliance, some political entities can't accept cash .... Just FYI

    The Bible is not inerrant, and corporations are not gods.

    by CoExistNow on Mon Nov 14, 2011 at 11:46:52 AM PST

  •  Credit Same As Cash should be illegal (0+ / 0-)

    Technically it is a dual-pricing scheme:  Buy $42 of gas on credit and get $40 gas + $2 finance fee.  Buy $42 of gas with cash and get $40 gas (merchant keeps the extra $2).  Credit-same-as-cash simply means everyone pays the credit card fee.  Merchants should be forced to itemize it.

    •  The fees might vary - a Visa charge to the (0+ / 0-)

      company might be different (probably lower) than an American Express charge.  Putting up signs so the customers would see it all (usually there's even a percentage charge, so that would be difficult to have the consumer project) - no, just too cumbersome.

      Let those who want to pay with cash, do so.  Let those who want to pay with credit, do so.  Let the merchant decide what they want to accept.

      •  People should know what they are paying for. (0+ / 0-)

        Ringing up a finance charge is no more difficult than ringing up a sales tax.  Giving your money away and letting someone else decide is always a dumb idea.

  •  What I like best about cash purchases is the (3+ / 0-)
    Recommended by:
    EagleOfFreedom, jfdunphy, sandblaster

    privacy that it brought back into my life.

    Only I know what books I buy, what food I eat, what alcohol I prefer, how many gallons of gas I use, how often I eat out, and what tolls I pay.

    I cut up my credit cards in 1991.  I have a debit card, which I only use for travel (air/car rental, etc), which is very infrequent.

    I also like how having cash makes me more mindful of my spending habits.  When it's gone, it's gone.  So I am just more careful in how I spend.

    Great diary!

    I fall down, I get up, I keep dancing.

    by DamselleFly on Mon Nov 14, 2011 at 12:01:43 PM PST

  •  There is an alternative coming. . . (10+ / 0-)

    I just read this off a link from one of my favorite daily blog reads - The Big Picture.

    This guy, Ben Milne, has a great idea!

    This is an intro to the article in the "Business Insider":

    There's a tiny 12-person startup churning out of Des Moines, Iowa.

    Dwolla was founded by 28-year-old Ben Milne; it's an innovative online payment system that sidesteps credit cards completely.

    Milne has no finance background yet his little operation is moving between $30 and $50 million per month; it's on track to move more than $350 million in the next year.

    Unlike PayPal, Dwolla doesn't take a percentage of the transaction. It only asks for $0.25  whether it's moving $1 or $1,000.

    We interviewed Milne about how he is building a credit card killer and Square rival from the middle of the nation where VCs and press are scarce.

    I think this is really exciting!  This guy is going to make a buck off of changing the system in ways that reduce the power of the credit card industry and perhaps may even kill of the interchange fees.  Doing the right thing might get a lot easier!

    •  He has a great idea (3+ / 0-)
      Recommended by:
      CalNM, davehouck, kazoo of the north

      but he needs to figure out how to scale down the 25 cent fee on small transactions.  Break-even for 25 cents vs 2% credit card fee is $12.50. So his system is great for big-ticket items or gas or groceries, but a 25 cent fee on a 1.50 cup of coffee is terrible. If he can address that he's going to kick Visa's f*cking ass.

      "What could BPossibly go wrong??" -RLMiller "God is just pretend." - eru

      by nosleep4u on Mon Nov 14, 2011 at 03:18:10 PM PST

      [ Parent ]

      •  not really you forget the swipe fee the CC (0+ / 0-)

        company gets in addition to the percentage...Amex was always the worst btw....it ranged from 25 to 45 cents depending on the card in question

        if you buy 10 bucks of gas on a card today, the retailer ends up losing money.

        Vaya con Dios Don Alejo
        I want to die a slave to principles. Not to men.
        Emiliano Zapata

        by buddabelly on Mon Nov 14, 2011 at 03:58:35 PM PST

        [ Parent ]

    •  Dwolla is one to fund a Mt Gox account, which ... (0+ / 0-)

      ... in turn can be used to purchase bitcoins.

      I think Dwolla is a much more workable concept than bitcoins, but either are boats that float on the confidence of their user bases.

  •  Awesome idea! (3+ / 0-)
    Recommended by:
    EagleOfFreedom, Amber6541, buddabelly

    I've been paying things with cash for a while, mostly because I don't like the idea of marketeers profiling my purchases.

    But I never thought about what it did for businesses xD

  •  Even more, try it with $2 bills (1+ / 0-)
    Recommended by:
    glbTVET

    so that the impact can be traced somewhat through the economy .....

  •  Credit Card free Black Friday!! (3+ / 0-)
    Recommended by:
    EagleOfFreedom, glbTVET, CalNM

    I've been trying to get together a "very first" post about this subject for days.  So glad someone has laid it out there.  Since the "Move Your Money" Saturday was a success, can you imagine the impact on the banks if even half of the transactions on Black Friday were cash!  There are some of us out here who still use credit sometimes, but if we focus on abstaining on Black Friday, it could be a HUGE blow to the banks.  I just don't know how to get some media coverage for the idea.
    Plus, it should have a catchy slogan.
    "HAVE A CHARGE-FREE BLACK FRIDAY",  "MAKE BLACK FRIDAY GRAY FOR THE BANKS", "JUST SAY 'CASH'", "CUT THE BANKS OUT OF BLACK FRIDAY!"

    You may not realize it, but this is a really big deal for the banks.  I used to work retail and it wasn't unusual for the credit card machines to overheat and slow down because of the volume of transactions on Black Friday.
    Let's change that!

    Can I also put is a work for your small, independant retailers.  Thanks.

     

    •  Change Black Friday to Green Friday (4+ / 0-)

      I love the idea, and totally 10000% support you.  I'm feeling like "Green Friday" could be part of a catchy slogan somehow, but I haven't figured out the wording.

      When I was kicking it around in my early drafts, I was thinking cash for the holidays or something like that, but I like your idea of explicitly targeting Black Friday because that's probably the day when there is the most media coverage.  Maybe Green Friday (Greenback Friday?) kicks off the full shopping season campaign to use cash instead?

      ~ Nothing insightful to say ~

      by EagleOfFreedom on Mon Nov 14, 2011 at 02:27:29 PM PST

      [ Parent ]

      •  I made that suggestion (2+ / 0-)
        Recommended by:
        EagleOfFreedom, CalNM

        a few years ago that nobody spend any money in protest on Black Friday. I got called a no-good socialist.

        Still chuckling over that one. :)

        •  Credit Card Free Black Friday (0+ / 0-)

          I'm certainly not suggesting that people should not spend money, Black Friday or any other day.  Keeping money circulating within our communities is critical.  But notice I said "circulating" and "within".
          I'm simply advocating that on the biggest shopping day of the year, we would really send a powerful message to the big banks if we could motivate shoppers to pay cash for even 50% of their purchases.
          I am sure the banks know to the penny what the total of the credit card transactions were on Black Friday 2010.
          And I bet even a 10% reduction in that figure would scare them.
          I'll bet we could even get support from retailers (small discounts, coupons for return visits"
          This is really pure capitalism at its best.
          My last sentence in my previous comment was really a plug for small, independent local business.
          By the way, I'm kind of liking "Greenback Friday".  How about the slogan "Let's change Black Friday to GREENBACK FRIDAY".

          •  YES YES YES! (0+ / 0-)

            You took the words right out of...  my fingers typing on a keyboard?  Oh well, bad analogy.

            Anyway, that's almost exactly what just popped into my head for a catchy slogan that is Twitter friendly and Facebook status friendly.  

            Here are a few variations:

            • Change Black Friday to Greenback Friday! Pay cash on Nov 25th.
            • Change Black Friday to Greenback Friday!  Make purchases with cash, and give a 2% boost to businesses where you shop.
            • Pay cash on Nov 25 to change Black Friday to Greenback Friday.
            • Boost local businesses.  Pay cash on Black Friday to send 2% fees to the merchant, not the Banks.

            OK, OurMissEwenice, are you going to take the next stab at the next diary in this series?  Time is of the essence if we want this to catch on before Greenback Friday.

            ~ Nothing insightful to say ~

            by EagleOfFreedom on Mon Nov 14, 2011 at 10:30:31 PM PST

            [ Parent ]

            •  I'd really like to... (0+ / 0-)

              You are so right about the time factor.  I'm on it.

              Like I mentioned this will be my first diary.      
              Is there anything I need to know or should look out for?
              I'm afraid I'll let the cause down.
              This is too important to have it end up on the cutting room floor because of my inexperience.

              •  Just go for it! (0+ / 0-)

                Make sure to post it in the AM prime hours so it gets maximum exposure.  Keep it short.  Keep the title catchy.  And speak with your voice.  

                Feel free to private message me too, although i will be traveling in the next 48 hours so can't promise to be readily available.

                ~ Nothing insightful to say ~

                by EagleOfFreedom on Tue Nov 15, 2011 at 08:04:38 AM PST

                [ Parent ]

      •  I like "Greenback Friday" (1+ / 0-)
        Recommended by:
        EagleOfFreedom

        Thanks for the diary. I'll be sure to pay with cash.

        "On a greenback, a greenback dollar bill."

  •  Another benefit of cash is that you know (1+ / 0-)
    Recommended by:
    EagleOfFreedom

    exactly what you're spending if you hand it out yourself.  It's easy to detach yourself if whipping out cards.

    You see the amount in your wallet getting smaller and smaller.  The more you touch your money - the more you're in touch with your money!

    It really contributes a lot to elminating or greatly cutting down on those impulse buys retailers and banks are so fond of.

    When everybody talkin' all at once no one can hear the wise one speak, So just be still and silence will provide the wisdom that you seek - by Tori del Allen

    by Dumas EagerSeton on Mon Nov 14, 2011 at 02:22:18 PM PST

  •  Well if what you say is true (0+ / 0-)

    then Giant Eagle has to be one of the worst. Their card gives discounts on food and gas at GetGo. GetGo where I live is always bumper to bumper with vehicles.

  •  I use my CU debit card (1+ / 0-)
    Recommended by:
    CalNM

    instead of a credit card for nearly all my purchases. Does the 2% fee come into play with a debit card?

    I used to like to go to work but they shut it down I got a right to go to work but there's no work here to be found Yes and they say we're gonna have to pay what's owed We're gonna have to reap from some seed that's been sowed -Mark Knopfler

    by rambler american on Mon Nov 14, 2011 at 02:57:23 PM PST

  •  Sure, I try to always pay local merchants in cash (0+ / 0-)

    But I'm going to use my credit cards if I'm at, say, a large non-locally-owned chain (since I'm just moving money between corporations I don't care much for, there), buying stuff online, etc.

    Just online shopping makes ditching credit cards very difficult. Yeah, you can link a bank account to PayPal and pay for some stuff that way (but that's no better than a credit card as far as fees go for the seller), you can buy gift cards locally with cash, etc. But it's really too much effort compared to just using a credit card online.

    Besides, pretty much all of those online retailers are just large corporations that I don't mind having 2% stolen from by another large corporation, since I DO get that back myself in rewards.

  •  I read a book in the 70's called (0+ / 0-)

    When you money fails.
    The predicition was that checks and cash would all be replaced by plastic debit cards.  Wasn't far off.  
    Tinfoil stuff but at this rate anything could happen.
    They are already requiring the logo Visa or some other to even get Direct TV or home shopping or a bank account with routing number for so many things.  

    Is is possible they could do away with cash and require people to deposit and or have a card even like a Debit from Walmart as long as it had a MC or Visa or it?  you know quit prining money.

    I know the end timers are wanting this to hurry up the Tribulation and Rapture.   They really believe they can hurry God?  They are our tribulation.

    We the People have to make a difference and the Change.....Just do it ! Be part of helping us build a veteran community online. United Veterans of America

    by Vetwife on Mon Nov 14, 2011 at 03:03:39 PM PST

  •  This is a good idea (1+ / 0-)
    Recommended by:
    EagleOfFreedom

    from a staying out of debt and financial freedom aspect too.

  •  I put this on my Facebook status on Nov. 4 (1+ / 0-)
    Recommended by:
    EagleOfFreedom

    I just had a wicked thought. Maybe we should all quit using those credit/debit cards and go back to paying utilities, food, etc. in cash. It says on the bills, "legal tender for all debts, public and private". When you have to pay for something by check, a blank piece of paper to write your checks will do. I'm checking to see if this is still true: it used to be that as long as all the information was on the draft (check), the bank honored it. If your debtor wants his money, he'll have to hire someone to process cash and checks, rather than being able to get rid of all the tellers and clerks and run your payment through his machine. Heh. Let them try to outsource THAT to China.

  •  this is quite common in other countries (3+ / 0-)
    Recommended by:
    CalNM, EagleOfFreedom, sandblaster

    asia in particular operates almost entirely on a cash basis. we used to get paid for teaching english with an envelope stuffed with cash once a month.

  •  Thanks for a really important diary. (0+ / 0-)

    A lot of these pro-social, environmentally conscious behaviors, e.g., reusable shopping bags and credit-union banking, I already engage in. They're easy for me. On the other hand, converting to cash, where I've regularly used credit (and paid down the balance every month) would be quite inconvenient. If I paid cash for gasoline and groceries--to name a couple of my recurring expenses--my attention to such details as daily account balances would have to go up, and so would my worry level.

    I'm not arguing that it shouldn't be done. I'd merely like to see more discussion on it, both about ideological motives, and about practicalities.

    It's here they got the range/ and the machinery for change/ and it's here they got the spiritual thirst. --Leonard Cohen

    by karmsy on Mon Nov 14, 2011 at 05:40:58 PM PST

  •  Got this today (2+ / 0-)

    If Christmas spending stresses you out, this forward offers some ideas how to spend differently

    As the holidays approach, the giant Asian factories are kicking into high gear to provide Americans with monstrous piles of cheaply produced goods -- merchandise that has been produced at the expense of American labor. This year will be different. This year Americans will give the gift of genuine concern for other Americans. There is no longer an excuse ......that, at gift giving time, nothing can be found that is produced by American hands. Yes there is!

    It's time to think outside the box, people. Who says a gift needs to fit in a shirt box, wrapped in Chinese produced wrapping paper?

    Everyone -- yes EVERYONE gets their hair cut. How about gift certificates from your local American hair salon or barber?

    Gym membership? It's appropriate for all ages who are thinking about some health improvement.

    Who wouldn't appreciate getting their car detailed? Small, American owned detail shops and car washes would love to sell you a gift certificate or a book of gift certificates.

    Are you one of those extravagant givers who think nothing of plonking down the Benjamines on a Chinese made flat-screen? Perhaps that grateful gift receiver would like his driveway sealed, or lawn mowed for the summer, or driveway plowed all winter, or games at the local golf course.

    There are a bazillion owner-run restaurants -- all offering gift certificates. And, if your intended isn't the fancy eatery sort, what about a half dozen breakfasts at the local breakfast joint. Remember, folks this isn't about big National chains -- this is about supporting your home town Americans with their financial lives on the line to keep their doors open.

    How many people couldn't use an oil change for their car, truck or motorcycle, done at a shop run by the American working guy?

    Thinking about a heartfelt gift for mom? Mom would LOVE the services of a local cleaning lady for a day.

    My computer could use a tune-up, and I KNOW I can find some young guy who is struggling to get his repair business up and running.

    OK, you were looking for something more personal. Local crafts people spin their own wool and knit them into scarves. They make jewelry, and pottery and beautiful wooden boxes.

    Plan your holiday outings at local, owner operated restaurants and leave your server a nice tip. And, how about going out to see a play or ballet at your hometown theatre.

    Musicians need love too, so find a venue showcasing local bands.

    Honestly, people, do you REALLY need to buy another ten thousand Chinese lights for the house? When you buy a five dollar string of light, about fifty cents stays in the community. If you have those kinds of bucks to burn, leave the mailman, trash guy or babysitter a nice BIG tip.

    You see, Christmas is no longer about draining American pockets so that China can build another glittering city. Christmas is now about caring about US, encouraging American small businesses to keep plugging away to follow their dreams. And, when we care about other Americans, we care about our communities, and the benefits come back to us in ways we couldn't imagine. THIS is the new American Christmas. Spread the Christmas cheer!

    Email Forward From: Sal Vicari

    Loyalty to petrified opinion never yet broke a chain or freed a human soul in this world--and never will. Mark Twain

    by whoknu on Mon Nov 14, 2011 at 05:47:16 PM PST

  •  Another idea (1+ / 0-)
    Recommended by:
    Philosoraptor

    is to go with your cash, of course, to the regular check out at the grocery store.  Don't use the self serve line unless you really need to.  If we all use the regular check out lines they will need to hire more people, or give them more hours.

    Loyalty to petrified opinion never yet broke a chain or freed a human soul in this world--and never will. Mark Twain

    by whoknu on Mon Nov 14, 2011 at 05:48:43 PM PST

  •  spent less money when using cash (1+ / 0-)
    Recommended by:
    EagleOfFreedom

    I have been operating this way for a long, long time.  why?  Because I found that I spent less when I saw the money leaving my hands.  And, I was less likely to need large amounts of cash, because I had figured out when and when not to carry it.  You work these things out.

    Good diary, thank you

  •  We get a discount on gas with cash (0+ / 0-)

    And pay cash for everything else as much as possible. Only use the debit card online.

    We're old fashioned that way.

claude, Renee, Angie in WA State, Sylv, Chi, Radiowalla, Odysseus, tundraman, pbriggsiam, Trendar, Geenius at Wrok, superfly, wu ming, tacet, genethefiend, Les Is More, rhubarb, scorinaldi, Mnemosyne, frisco, hubcap, zeitshabba, concernedamerican, think2004, BlackSheep1, susakinovember, ask, CalNM, Xapulin, chimpy, naperken, splashy, Cedwyn, tomephil, kharma, dejavu, Doolittle, mwk, gmb, mnguitar, joliberal, RebeccaG, Pohjola, MeToo, zerelda, ybruti, JayDean, bibble, sb, maybeeso in michigan, bloomer 101, sandblaster, TexasTom, DrFood, one of 8, drewfromct, YucatanMan, Lepanto, reflectionsv37, ladybug53, Gordon20024, Isara, kitchen table activist, Lindy, lgmcp, LeftOverAmerica, Nance, tobendaro, tonyahky, cookseytalbott, Dvalkure, Son of a Cat, mystery2me, kck, jguzman17, erratic, Rosaura, gatorcog, LibChicAZ, SadieSue, Mad 60, CA Nana, Clive all hat no horse Rodeo, kurt, shaharazade, sea note, One Pissed Off Liberal, bluicebank, Habitat Vic, Loudoun County Dem, dogdad, possum, leema, ColoTim, karmsy, terabytes, DWG, Shadowmage36, glbTVET, davehouck, bnasley, snowshoeblue, theChild, RudiB, Neon Mama, extradish, gizmo59, GANJA, mconvente, wayoutinthestix, Involuntary Exile, brooklynbadboy, jamess, Deep Harm, tofumagoo, Wek, alnep, ashowboat, petulans, James Kresnik, Parthenia, Karl Rover, enufisenuf, ggwoman55, legendmn, maggiejean, Bule Betawi, J M F, greengemini, banjolele, CanyonWren, Nebraskablue, sweeper, Ohiodem1, Hugo101, bfitzinAR, Shelley99, mahakali overdrive, bronxcharlie, BigVegan, commonmass, coppercelt, The Free Agent, eb23, Eddie L, cordgrass, samanthab, tb mare, Funkygal, elengul, science nerd, no way lack of brain, MidwestTreeHugger, Bluefin, freesia, CoExistNow, boomerchick, mrsgoo, Muskegon Critic, floridablue, whoknu, antimony, MinistryOfTruth, Wood Dragon, Caddis Fly, disconnect the dots, jham710, DRo, DEMonrat ankle biter, No one gets out alive, Azazello, brown and blue all over, OldDragon, vacilando, bozepravde15, greenbastard, We Won, ahumbleopinion, Philosoraptor, AnnieR, a2nite, Horace Boothroyd III, Darryl House, Tyler R, Ruh Roh, Arahahex, qannabbos, lunachickie, Dumas EagerSeton, Fracturedchaos, DamselleFly, Dr Erich Bloodaxe RN, ocschwar, M E C, Late Again, Archival Footage

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