this post was submitted on 11 Aug 2023
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I almost never have cash on me. It's debit or credit always. Here's my thought process on paying with cash. If I buy something that costs, say $4.55, and I hand over a $5 dollar bill, that item has really just cost me $5.00 because what am I realistically going to do with the 45 cents in change?
Back in the day you take that .45 cents and throw it in a big old empty pickle jar with the rest of your loose change.
the problem now is that I'll just have a big pickle jar with 45 cents. Next year, I'll have a pickle jar with 60 cents... maybe by the time I retire I'll have a whole five dollars of change and exchange it for a bill...
Sure. At the current rate. But itβs likely that if you use cash more often then your pickle jar fills up sooner.
The amount of cash I use is only decreasing with every year. I'm not going to further inconvenience myself just to validate a pickle jar.
I put my change in a jar when I empty my pockets. About once a year I'll take it by the bank and treat myself with the couple hundred dollars it cashes out to.
Are you just throwing yours away?
I've got a jar too, but it definitely doesn't fill up at anywhere near the rate yours does. My pay is direct deposited and every place I shop will take a card. I could either go to the ATM to get cash, use it to pay for things when I don't have to, collect these small amounts of change, and take it all back to the bank eventually, or I could just not bother with any of these things.
I've had like ~70 cents sitting on the shelf for over a year... like, what an I going to do with it? It's just a pointless pile of coins. half the time those coins are in the wrong combination to pay for whatever other change in my next cash transaction, so I just end up with more coins... which I have to remember to grab when I'm specifically going to a cash-only place...
All of the sub-$1 coins that I have ever received as change in my lifetime would not add up to $100. But I also don't use (or even carry) cash unless I absolutely must.
Edit to add: I have a jar too. It's a standard mason jar. I started filling this one after my last move. In 2013.
I have yet to fill it completely.