Generally just curious how often people on here in the UK tend to use it. Personally I use it 95% of the time due to privacy concerns, easier budgeting & wanting to maintain its use. Most people my age (early to mid 20s) seem to find the concept alien & I’ve noticed younger cashiers are absolutely garbage at calculating change mentally.
In terms of budgeting its fairly simple, I take out £100 to take around with me and generally leave the cards at home. Thusly I can only spend that 100 quid.
I think I’d call that limiting spending rather than budgeting. Budgeting would involve keeping track of how much is spent on different things, projecting future spending, stuff like that.
Not really, take the 100 out then divide known expenses you’ll be using it for, shopping, petrol the usual and anything left over is fun money for the week.
That isn’t how I approach budgeting at all, so it explains why I don’t get it. I’m glad you have a system that works for you.
The downvote suggest you’d rather I stop talking though so I’ll leave it there.