this post was submitted on 01 Jul 2024
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Speaking as someone from the West Island, I've found that tap to pay has made it a lot harder to have a budget for all the little things.
In the Before Times, I'd have $20 or $50 in my wallet. I could see the cash on hand drop off as I bought bits and pieces, and when that ran out it would be a natural pause to think about it while I went and got some more.
Now it's just "Boop Boop Boop" and oh crap I've just spent $95 dollars on sandwiches and iced coffees this week.
It's interesting that some people find that to be the case. Personally I download transactions from my back account at the end of each month and track what money was spent on. Cash is untraced and free to spend!
Also, after some bank greed we now have 2% surcharges at most places for tap to pay (we call it paywave), and credit card transactions in general. Knowing this goes straight to the bank, it's basically "would you like to make a donation to the bank?". No thanks, I'll insert my card and pay that way.