While I agree, there's something about carrying cash that makes me want to spend it. I have a fear about having "loose bills" around because I once lost my wallet with $300 the eve of a Vegas vacation (this is a hot mess 22 year-old story) and I have post traumatic anxiety about it still.
But we're not here to tell that story - we're here to talk about why I don't carry cash with me and stick to the plastic every chance that I can.
Here are just a few of my reasons!
+ Girl Scout Cookies
One effective way to avoid buying girl scout cookies is to not have cash on you.
The less effective way is when they're in your office and you have to act quick to make sure you get one before they're gone.
+ Costco Food Court
For as much as I go to Costco (hello, dating scene) there's good reason that I don't want cash on me - that damn food court. You have no idea how tempting that swirled fro-yo is to me even though I don't do dairy anymore - especially in the summer when I see every single person carting their haul out to their car while they try to eat the amazingness before it melts. I want to put a picture in here to show you but I'm afraid it's going to give me nightmares.
+ Credit Card Rewards Points
Did you know that you can make money by spending money? My "spending account" gives me 1% cash back on ALL purchases and each quarter there's specific categories / companies that give you 5% back on your spending during those three months. I get so excited when I see what's there for me to deposit into my account - it's like getting free coffee.
+ I'm a Nerd
I'm KIND of an analytics nerd and I KIND of like spreadsheets. So, since it's much easier to export a transaction report online than it is to journal out my spending. Probably once a month I pull a report to see how much I'm spending on gas, groceries, entertainment, etc and it's a way to help me budget.
It's also a tip-off that I need to find a guy who will pay for my foods/drinks (please).
The only times I do carry cash?
- When I owe a friend some doll hairs.
- For mani/pedi's (because my neighborhood place is cash only)
- When I get my hair cut I take cash to tip my stylist - karma, guys.
- For the farmer's markets in the summer!
- Sports betting and other shenanigans related to betting with friends.
How about you? Cash or Credit?