A close call at the grocery checkout

debodun

debodun

SF VIP
Location
way upstate in New York, USA
I didn't think to check my wallet when I went shopping this morning. I had to pick up a prescription first and noticed I didn't have much money with me. I fretted while shopping and wondering what I'd have to put back. Just made it - with 82¢ to spare. Needless to say, restocking the old wallet was the first priority when I got back home.
Please - no lectures on credit cards. ;)
 

debodun said:
I didn't think to check my wallet when I went shopping this morning. I had to pick up a prescription first and noticed I didn't have much money with me. I fretted while shopping and wondering what I'd have to put back. Just made it - with 82¢ to spare. Needless to say, restocking the old wallet was the first priority when I got back home.
Please - no lectures on credit cards. ;)
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mainly cash man here also....when we go for our large weekly grocery shop the wife will use her debit card but mainly we are cash folk. Bought a new fridge freezer the other day £520....cash.
 
debodun said:
Please - no lectures on credit cards. ;)
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No lectures from me, Deb... I happen to feel the same about credit cards after having identity theft and a significant amount of money stolen from that issue. Anyhow, I do pay bills online mostly and there's a way I got around having to use a cc... two things I do actually. If you want to know how I'm doing that, please message me. If you don't want to know, I'd rather not "waste breath" typing it out. 😁
 

debodun said:
I didn't think to check my wallet when I went shopping this morning. I had to pick up a prescription first and noticed I didn't have much money with me. I fretted while shopping and wondering what I'd have to put back. Just made it - with 82¢ to spare. Needless to say, restocking the old wallet was the first priority when I got back home.
Please - no lectures on credit cards. ;)
Click to expand...
I respect your credit card policy. I bet you rarely make an impulse buy.
 
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I'm pretty much a cash buyer.

Having a credit card does not make me impulse buy. Not that I don't. But I wouldn't be without it. I remember when I took Chloe to the emergency vet years ago, I handed her over, then my card. And at the emergency/urgent vet in town, you have to make an initial payment up front.
 
I recently went to Lowes to get a few things for yard work. I got all the way up to the checkout before realizing I had left my wallet at home. Very embarrassed I explained my dilemma to the checker, and then remembered: I had some cash in my truck. She patiently waited till I got back with a stack of one dollar bills. Turned out to six more than I needed. I was glad there wasn't a line behind me being delayed. I offered the young lady the remaining six dollars for her trouble. She very nicely declined, saying that her grandfather did something similar. Very sweet, but made me feel my age.
 
TennVet said:
I recently went to Lowes to get a few things for yard work. I got all the way up to the checkout before realizing I had left my wallet at home. Very embarrassed I explained my dilemma to the checker, and then remembered: I had some cash in my truck. She patiently waited till I got back with a stack of one dollar bills. Turned out to six more than I needed. I was glad there wasn't a line behind me being delayed. I offered the young lady the remaining six dollars for her trouble. She very nicely declined, saying that her grandfather did something similar. Very sweet, but made me feel my age.
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Try this routine before you leave the house...Check back pocket for wallet, check front left pocket for truck keys, check front right pocket for phone. Check face for glasses. All OK, catty on.
 
My uncle didn't have a cc and he was a victim. Not sure it was identity theft or not or just a scam, but one day he received a phone call from someone saying they were from the phone company. They said there was a problem with his last payment (he payed with a bank check) and they needed his bank account info to straighten it out. He was a recluse and didn't have a radio or TV so he wasn't very informed about things like this and trustingly gave the info they asked for.
When he got his next bank statement, someone from an ATM in a southern state had withdrawn $12K from his account. A friend of his (his POA) eventually settled things and he was reimbursed by the FDIC and transferred what remained to a new account. But it was a huge hassle for her and she related all this to me.
 
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Trade said:
Cash is the way to go. With cash you can't spend money that you don't have.
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I guess you don't truly understand what a debit card is ? Canadians are the biggest users of debit cards in the first world. With a debit card you can only spend what you have in your bank account. My CIBC debit card costs me a whopping $12.95 A YEAR in fees, and it is accepted world wide by ATMs on the Interact system. Try spending US currency in Malawi, Peru, Argentina , or Poland.
 
Trade said:
Cash is the way to go. With cash you can't spend money that you don't have.
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That's what I used to say to my credit union customers who were chronically over drawn. It was sad when they were working minimum wage and the fee for a bounced check was $30.

I never had a credit card in the past, I didn't qualify because I didn't have an established credit rating.

There was only one time I really should have had one. I would have given anything for one then, so that I could buy a plane ticket and get out of a bad situation.

Now I have a debit card.
 
debodun said:
I didn't think to check my wallet when I went shopping this morning. I had to pick up a prescription first and noticed I didn't have much money with me. I fretted while shopping and wondering what I'd have to put back. Just made it - with 82¢ to spare. Needless to say, restocking the old wallet was the first priority when I got back home.
Please - no lectures on credit cards. ;)
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This reminds me of our younger days. That paycheck was mighty lean.
 
gruntlabor said:
I always make sure I have pants on.
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Oh thank goodness! :ROFLMAO:

A few years ago, I went on a trip to New York for 10 days... unpacked at the hotel to find I hadn't packed any pants. None. Extra shoes, extra tops, extra socks, but no steekin' pants. Good excuse to have to shop 😁 but lesson learned about triple checking. Yeah, triple... 'cause this girl had already double checked before leaving. :rolleyes:
 
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debodun said:
I didn't think to check my wallet when I went shopping this morning. I had to pick up a prescription first and noticed I didn't have much money with me. I fretted while shopping and wondering what I'd have to put back. Just made it - with 82¢ to spare. Needless to say, restocking the old wallet was the first priority when I got back home.
Please - no lectures on credit cards. ;)
Click to expand...
That's when a spare check or credit card comes in handy.
 
When I primarily used cash, I always stashed away a spare $20 or so for a just-in-case moment. When I was cleaning out my wallet that I no longer use, I found $25 tucked down in a crevice.
 
If you don't want a credit card, I really don't understand why you don't have a debit card. Yeah, there are identity theft issues, but there's also losing a wallet full of cash, or getting ripped off in a robbery. If you're seen at an ATM getting cash, you may not be the only one aware of that. So, I don't think cash is all that much safer than debit card.
 
fuzzybuddy said:
If you don't want a credit card, I really don't understand why you don't have a debit card. Yeah, there are identity theft issues, but there's also losing a wallet full of cash, or getting ripped off in a robbery. If you're seen at an ATM getting cash, you may not be the only one aware of that. So, I don't think cash is all that much safer than debit card.
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I have checking and savings... different bank from the main accounts... debit card is on the savings account. I transfer from checking to savings online often so that there's never any more on the debit than I'd be okay with having to go through hoops to get it back... so not really much of a risk. I'd get an alert if anyone uses it, but there's never a lot on it. When I have bills to pay, I transfer.
 
jimintoronto said:
I guess you don't truly understand what a debit card is ? Canadians are the biggest users of debit cards in the first world. With a debit card you can only spend what you have in your bank account. My CIBC debit card costs me a whopping $12.95 A YEAR in fees, and it is accepted world wide by ATMs on the Interact system. Try spending US currency in Malawi, Peru, Argentina , or Poland.
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My Bank debit card is accepted everywhere in the western world.. and costs me nothing..big fat zero..in fees !
 

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