Nearly 43.

Never liked using cash, its always just been a massive pain in the arse. If I pick up lunch for team mates it really annoys me when they hand me over £4.35 in loose change.

I want to say I use cash and defend it. I hate that every transaction is now passing through a US company, taking a slice, when I'm paying a local shop...

But.. it's just so easy to use plastic.

And that's the point, it's like saying to anyone with any kind of substance issues to just not use the stuff, it's so hard to give it up...

Which is why I want to use cash, but, apart from tax-efficient takeaways and car parking... I don't think I use cash

I definitely prefer my card wherever possible. Just tap it on the card reader and you're done. No change jangling around in your pocket. And you can see all your transactions in your banking app later on to see exactly where you've spent money. I want cash to stick around though because some people don't like using cards.

Very very rarely, and I generally actively avoid it. There's only really my barbers that I occasionally use it for as their card payments seem to be intermittent.

I find cash impractical: it often gets lost when it gets converted into change, or notes get put in a pocket and forgotten about, and it's difficult to track where it's being spent, where you can break down each electronic transaction.

Honestly, never. I've never struggled with budgeting and all I really buy in real life is coffee and food if on the go, and they all seem to be cashless these days. I get the privacy concerns but have to balance it with just trying to live life.

I’ve not used it in over 20 years, and I don’t miss it.

(32M) Since COVID I only used it for the barbers. I found a good Turkish one that takes bank transfers now though, so never.

I do have emergency money in my bike toolkit though just in case.

I still use it for the same reasons you mentioned. Also small businesses since they don't have to deal with card processing fees then (generally ask what they prefer) plus "other accounting measures".

Yeah, try to use it where possible

Basically never. The occasional car boot sale. That's about it. Any cash I receive ends up sitting on a shelf as my wallet doesn't have a space for it. The notion of relying on cash for budgeting makes no sense to me.

I'm not looking to get rid of cash, but it has no use case for me.
Even the local teenager that mows my lawn takes bank transfers!

If you were up to anything on the dl it’d be way less sus to have a current account full of the normal behaviour of a perfectly normal citizen, and do your black economy stuff in cash. Sort of how getting into the US is going to be a lot harder if you say “ackshually I’m on something called Lemmy” vs if you have an x.com where you occasionally post stuff like “all hail the eternal god emperor, he will make the West strong again!” and “This is fine”.

I use card for most of my transactions, but in cornershops, independent shops or smaller businesses i usually ask what they prefer. It's not always cash! sometimes they prefer card as it's easier for them to handle.

Interesting what you say about people your age, I've noticed actually that children/teenagers tend to use cash because they don't have a bank account or any income to put in a bank account, but then when they get to 18+ they start using card more.

Not very often. Bank notes are little more than illegal drug purchase vouchers these days.