I had two reasons, the first is because i found it way too easy to spend on my card without thinking, and the second because I wanted to regain a bit of privacy alongside everything else I’m doing. Ive set it up in my bank that on payday, an amount of my salary automatically goes to the bills account, some goes to long term savings, some to short term savings, then the rest I take out in cash.

It really does change my perception of spending I think: Ive found myself not buying things because I didnt want to break a note and carry change. I can physically see how much I have left. I can take £20 to the pub and leave when its finished. Plus it feels really good knowing every single transaction isnt stored forever. I have a small amount of money on a contactless ring for emergencies like a bus fare or somewhere that unexpectedly only takes card.

Is anyone else still predominantly using cash day to day?

  • Sem@lemmy.mlEnglish
    29·
    3 months ago

    I’m starting to use more cash for daily spendings. The rise of surveillance pricing is terrible, better to hide qt least some of information from my bank.

    • smeeps@lemmy.mtate.me.ukOP
      37·
      3 months ago

      I’m finding supermarkets locking their regular prices behind an app or loyalty card is getting out of control. Out of all the major supermarkets, ONLY Aldi has nothing of the sort currently.

      Tesco and Sainsbury’s will often have a £3 item that costs £6 without their loyalty card. Of course it’s £3 in every other shop: it’s not a special offer for members, it’s a punishment price for those who don’t give away their data.

      • BearOfaTime@lemm.ee
        8·
        3 months ago

        Wow, I’ve never seen pricing that bad without a loyalty card in the US. Not saying it doesn’t happen, quite often it’s a 20-30% discount for the loyalty card, and occasionally more if you use the app (which I refuse, since I use Jenny’s number for the loyalty card).

        You’re right to call it a punishment. Wonder if we can aggregate the loyalty app program somehow, like host the app in an Android VM on a VPS that anyone can then access, so the data they get is muddied.

      • EngineerGaming@feddit.nl
        2·
        3 months ago

        I usually ask other people in line for their loyalty cards. Or, in case there are none (which is rare) - I have found usable photos of random cards’ barcodes. It was mostly from the respective loyalty programs’ reviews, but I believe I saw a group that specifically shared theirs to get extra points.

      • /home/pineapplelover@lemm.ee
        11·
        3 months ago

        But say you only use that card for that store, where’s the privacy invasion? It wouldn’t be much right? Trying to find a downside of a store card.

        • MotoAsh@lemmy.world
          51·
          3 months ago

          two words: data aggregation.

          They know it’s you. They can match it everywhere else.

          • smeeps@lemmy.mtate.me.ukOP
            2·
            3 months ago

            Tesco now even has stores in the UK where you scan your loyalty card on the way in, pick up items off shelves, and walk out and it charges you accurately. The amount of cameras and sensors on the ceiling was uncanny. So not only do they have your purchasing profile but they now know what you look like, your gait, and any other identifying information they use to make that work

            (OK it might be just lads in the Philippines following you on CCTV like Amazon did but still)

            • /home/pineapplelover@lemm.ee
              1·
              3 months ago

              Cause I’m looking at signing up for an REI credit card and haven’t found much downside researching it online. I do find it sus that all the employees are pushing it though. Asking if we are members and have the credit card and stuff.