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re: People that are paying cash for every day goods..
Posted on 6/17/25 at 7:45 pm to FAT SEXY
Posted on 6/17/25 at 7:45 pm to FAT SEXY
quote:Credit card debt is sky high in America.
You're leaving money on the table every single time by not paying credit and stacking up rewards/cash back.
Most people aren’t competent enough to own a credit card and they don’t stack enough rewards/cash back.
0
Posted on 6/17/25 at 7:48 pm to FAT SEXY
Many places charge less if you pay cash now.
Posted on 6/17/25 at 7:48 pm to Shexter
quote:
Judge - "Looks like you spend $600 a month at restaurants and bars. You can afford to send your ex more child support."
Forgive me as this is admittedly not my area of expertise. Wouldn’t he also have to get paid in cash to get away with this? That’s not the easiest thing to do for most lines of work.
Posted on 6/17/25 at 7:52 pm to FAT SEXY
quote:
You're leaving money on the table every single time by not paying credit and stacking up rewards/cash back.
And paying the credit off in full without finance charges each month.
YOU FORGOT THE MOST IMPORTANT PART, ELSE THESE REWARDS/CASH BACK IS MORE THAN OFFSET/EXPENSIVE.
This post was edited on 6/17/25 at 8:01 pm
Posted on 6/17/25 at 7:53 pm to Shorts Guy
quote:
Forgive me as this is admittedly not my area of expertise. Wouldn’t he also have to get paid in cash to get away with this? That’s not the easiest thing to do for most lines of work.
No need to be forgiven because you're right.
As if someone's going to be poring over a bank statement and not wonder about large cash withdrawals in 2025.
Posted on 6/17/25 at 7:55 pm to FAT SEXY
quote:
Smh if you're still doing this for essentials.
A lot of replies are overlooking this clarifying point. OP isn’t talking about an Amazon spree or lavish dinners. Sounds to me like they’re talking weekly grocery haul, gas fill up, utility bills, etc. It’s true you spend less with cash. But yes, if you get a card that accrues good points it’s kind of dumb to use cash for purchases you were going to have to make anyway.
Posted on 6/17/25 at 8:01 pm to GeauxTigers123
quote:
To each his own. Their studies that say that you spend less when you pay with cash. So you’re probably actually losing money by paying with the credit card even if you get some points or whatever.
It’s easier to swipe a card in a slot than it is to hand over the greenbacks, unless you’re at a strip club.
Posted on 6/17/25 at 8:07 pm to FAT SEXY
I use my card for my Amazon purchases, of which I make many, even for essentials, and get up to 6% back. Pay my car insurance with card and get 3% back. I get 2% back at pharmacies, on gasoline, at the grocery store and at restaurants. 1.5% on everything else.
I pay all my cards in full every month.
Cash? Everything is direct deposit so I have to go to a bank Atm to get some. What am I gonna do with coins? The end up in my vehicle or on my dresser. Banks don’t want them back, even if rolled. And Pennies? They’ll be obsolete soon.
I pay all my cards in full every month.
Cash? Everything is direct deposit so I have to go to a bank Atm to get some. What am I gonna do with coins? The end up in my vehicle or on my dresser. Banks don’t want them back, even if rolled. And Pennies? They’ll be obsolete soon.
Posted on 6/17/25 at 8:12 pm to FAT SEXY
quote:
People that are paying cash for every day goods..
Shooooooot. Imagine paying cash for my super duty King Ranch when I only have to pay $1200/month for the next 72 months. Who leaves money on the table like that?
Posted on 6/17/25 at 8:13 pm to Shexter
quote:
Many divorced men pay cash so the court system can't pull their bank account records. Judge - "Looks like you spend $600 a month at restaurants and bars. You can afford to send your ex more child support."
Unless their employers pay them in cash, their withdrawals are no less visible FWIW.
Posted on 6/17/25 at 8:15 pm to GeauxTigers123
quote:
To each his own. Their studies that say that you spend less when you pay with cash. So you’re probably actually losing money by paying with the credit card even if you get some points or whatever.
Correct
quote:
I do like the anonymous nature of paying with cash.
Also a factor
Posted on 6/17/25 at 8:19 pm to FAT SEXY
I needed to get a new toilet installed awhile back. There was something else that was needed, but the total was $185 and some change. I asked what would it be if I was paying cash.. Without even thinking about it he said "$170". I didn't expect it to be that much taken off, but I didn't ask question.
Call me old school. I still like cash. All of those rewards are dumb. I have a bunch I guess I need to cash in, but that cash back thing is stupid. Why not give a discount when using that card? Instead of getting whatever you get for every dollar spent, why not just apply that to the total of a purchase? Either way, its not something they are giving to you free. You pay for it in hidden cost somewhere.
Call me old school. I still like cash. All of those rewards are dumb. I have a bunch I guess I need to cash in, but that cash back thing is stupid. Why not give a discount when using that card? Instead of getting whatever you get for every dollar spent, why not just apply that to the total of a purchase? Either way, its not something they are giving to you free. You pay for it in hidden cost somewhere.
Posted on 6/17/25 at 8:19 pm to T1gerNate
quote:
They give you one point cash back and they charge you three points in interest what a great deal!!
Only a fool pays interest on a cc.
Posted on 6/17/25 at 8:31 pm to Shexter
quote:
Enjoy credit card companies and data miners being able to track your every move and market to you accordingly.
…while every app on your smart phone closes their eyes and holds their nose on personal tracking data.
Posted on 6/17/25 at 8:35 pm to GeauxTigers123
quote:
To each his own. Their studies that say that you spend less when you pay with cash. So you’re probably actually losing money by paying with the credit card even if you get some points or whatever.
How would I pay more when I immediately pay my credit cards off as soon as the charge is posted? To each their own, but I enjoy the free 100 bucks or so I get a month just by using my credit card. I
Posted on 6/17/25 at 8:37 pm to fallguy_1978
quote:
Or $150/mo doesn't make a difference to me, and something like 80% of people who use credit cards for everything carry a balance.
Maybe, but I'm not in the 80 percent. I never charge more than I can pay off immediately.
Posted on 6/17/25 at 8:39 pm to FAT SEXY
Cash is king beeeatch!
Posted on 6/17/25 at 8:57 pm to Easye921
quote:Congratulations, you’ve defeated the evil CC companies.
Maybe, but I'm not in the 80 percent. I never charge more than I can pay off immediately.
The other 80% of Americans are building up insane amounts of CC debt.
Posted on 6/17/25 at 8:59 pm to FAT SEXY
quote:
You're leaving money on the table every single time by not paying credit and stacking up rewards/cash back.
Is it really advantageous anymore with the fees everyone charges now for using a card?
Maybe those people don’t have great credit
Posted on 6/17/25 at 9:01 pm to Easye921
quote:
Maybe, but I'm not in the 80 percent. I never charge more than I can pay off immediately.
Why not payoff monthly…letting the money you use to payoff accrue interest. Do this over a lifetime. It’s not chump change thing to do. Autopay monthly in full.
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