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Old 01-07-2015, 04:22 PM
 
Location: San Francisco, CA
13,992 posts, read 10,939,534 times
Reputation: 12783

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Quote:
Originally Posted by FBJ View Post
I have been able to save more money by not carrying cash for years but sometimes I run into a issue when a store wants me to withdraw money out of my account because of the "$5.00 Minimum" for credit/debit card use

I just feel that if I was able to use my card to buy a bagel and juice for $2.20 instead of taking out $10 due to the $5 minimum I would have even more money saved. So should how should i deal with these types of stores? The problem is the store is in the same building I work in and nothing else is closer.
Simple.

Just don't shop there.

What else do you expect us to say? They are free to run their store as you see fit, and you are free to choose to shop there under their terms or go elsewhere.

This is truly a first-world problem you have...if this is the most you have to deal with, you have it pretty good.
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Old 01-07-2015, 05:35 PM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
39,615 posts, read 50,353,052 times
Reputation: 9451
Quote:
Originally Posted by mathjak107 View Post
it drives me nuts standing in line behind someone making a 2 buck purchase with a credit card.

many times it has to redial a few times as well as taking at least 2x longer compared to slapping down two bucks. on an active checkout line that eats up alot of employee time.

i wish all stores had min charges. it is not even understandable to me how someone could even leave the house with no cash.
Why? You have the option to pay for things with a debit or credit card so why is cash so important?
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Old 01-07-2015, 05:57 PM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
39,615 posts, read 50,353,052 times
Reputation: 9451
Quote:
Originally Posted by AnywhereElse View Post
I think the OP has an issue with not being able to spend that extra cash once it is in hand. There is nothing wrong with what the OP is doing by not carrying cash because many people do that because cash can disappear so quickly.

If OP is serious about controlling spending, the buy in bulk is the best bet. $2.20 a day adds up. I would choose something more healthy than a bagel (yeast, flour, sugar, etc.) in the first place and brown bag it but then, that's how we became debt-free and healthy.

Yeah no need to buy Breakfast and Lunch every day. Since lunch is more expensive I will only buy it twice a week and since Breakfast is cheaper I will buy that on Mon, Wed, and Fri.
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Old 01-07-2015, 06:00 PM
 
Location: Texas
43,564 posts, read 52,728,947 times
Reputation: 70869
Quote:
Originally Posted by mathjak107 View Post
it drives me nuts standing in line behind someone making a 2 buck purchase with a credit card.

many times it has to redial a few times as well as taking at least 2x longer compared to slapping down two bucks. on an active checkout line that eats up alot of employee time.

i wish all stores had min charges. it is not even understandable to me how someone could even leave the house with no cash.
Cash is dirty and annoying.
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Old 01-07-2015, 06:04 PM
 
33,046 posts, read 22,087,347 times
Reputation: 8970
Quote:
Originally Posted by mathjak107 View Post
it drives me nuts standing in line behind someone making a 2 buck purchase with a credit card.

many times it has to redial a few times as well as taking at least 2x longer compared to slapping down two bucks. on an active checkout line that eats up alot of employee time.

i wish all stores had min charges. it is not even understandable to me how someone could even leave the house with no cash.

sounds like a store worth avoiding
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Old 01-07-2015, 06:23 PM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
39,615 posts, read 50,353,052 times
Reputation: 9451
Quote:
Originally Posted by jtur88 View Post
$2.20 a day? That's over 500 bucks a year. Imagine the nice Christmas gift you could buy for that, for yourself or someone you love.

Figure out something you can prepare at home, and take to work with you, and as a bonus, you'll have solved the problem described.
I will knock it down to $1.25 three times a week and have water instead of juice.
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Old 01-07-2015, 06:35 PM
 
Location: Lebanon, OH
5,914 posts, read 6,338,038 times
Reputation: 12604
Quote:
Originally Posted by GregW View Post
I am one of those annoying old folks that pay cash, including to the penny, for most items under fifty dollars. Paying for coffee with a credit card seems to be excessive and somehow improper.

As far as the guy complaining about having to wait for me to drag out exact change I suggest he learn some patience. With some luck he will get old and uncooperative.
I do that too but I have my money ready and I am quick about it, usually faster than a cashier can give me change back, having worked as a cashier it's the little old ladies that fumble around forever with a change purse that hold up the line the worst.
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Old 01-07-2015, 07:24 PM
 
1,629 posts, read 1,917,619 times
Reputation: 1747
Quote:
Originally Posted by GregW View Post
I am one of those annoying old folks that pay cash, including to the penny, for most items under fifty dollars. Paying for coffee with a credit card seems to be excessive and somehow improper.
Why? This is how we pay for things now days. Paying with a card used to have a stigma attached to it. It meant you had no other means to pay (you were broke). It is now the modern way to pay for things. It doesn't "mean" anything. Swipe away!
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Old 01-07-2015, 08:13 PM
 
18,453 posts, read 20,222,216 times
Reputation: 27010
Quote:
Originally Posted by FBJ View Post
I have been able to save more money by not carrying cash for years but sometimes I run into a issue when a store wants me to withdraw money out of my account because of the "$5.00 Minimum" for credit/debit card use

I just feel that if I was able to use my card to buy a bagel and juice for $2.20 instead of taking out $10 due to the $5 minimum I would have even more money saved. So should how should i deal with these types of stores? The problem is the store is in the same building I work in and nothing else is closer.

Bring your own bagel and juice. I have been bringing my breakfast and lunch from home for years. My friends spend a average of 12 bucks a day on food. That's $60 a week $240 a month.

Go to Costco and buy a case of juice. Get two bags of bagels and a tub of cream cheese and put them in the fridge. Make your breakfast at home and bring it with you.
That guy just lost $44 a month from you.
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Old 01-07-2015, 08:25 PM
 
460 posts, read 700,580 times
Reputation: 1212
I doubt they have that sign there to annoy customers. Any business wants to make things easier for their customers, not harder, so there must be a business reason they have that rule. It's usually because of transaction processing costs. Solution - always carry a little bit of cash, which you can get when you go to a store where they let you take cash back for free when making a debit transaction.
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