In today’s digital world, where credit cards and mobile payments dominate, cash still has a valuable place in certain transactions. Whether it’s for security, privacy or avoiding unnecessary costs, there are some purchases that are best made with physical money.
From small everyday expenses to more important transactions, knowing when to use cash can help you save money and protect your financial information. Here are the top items and services that are smarter to pay with cash, and why it matters.
Used cars
Buying a used car with cash means there are no monthly payments or interest accruals. Dealers and private sellers can also lower the price if they know you’ll pay upfront. In addition, you prevent yourself from getting stuck in a bad loan for a car that quickly loses value.
A cash budget ensures that you don’t spend more than planned. It’s the best way to drive away without debt.
For more information: Is a car an asset or a liability?
Lottery tickets
Using cash for lottery tickets can help you control your expenses and prevent you from gambling with money you don’t have. Credit cards make it too easy to buy more than you need, which leads to regrets later.
A cash budget keeps entertainment expenses under control. If you don’t have the money, it’s probably best to skip the ticket.
For more information: Itch on the left hand: money luck Superstition comes to you
Tattoos
A tattoo lasts forever, but financing it shouldn’t. Paying in cash can help you stay within your budget and avoid paying interest on something personal.
Some artists even offer discounts for cash payments.
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Furniture
Retail financing often comes with hidden fees and high interest rates. By paying in cash, you avoid spending more than planned and avoid long-term debt.
Many stores offer better deals if you pay in advance. In rare cases you can get 0% financing, but that doesn’t justify spending more.
For more information: First apartment checklist: everything you need to buy
Rent
Some landlords charge extra for online payments due to processing fees. Paying the rent in cash, if permitted, can help you avoid these additional costs. It’s also an easy way to stay within your budget and ensure housing costs remain manageable.
If your landlord offers a discount for cash payments, it’s worth taking advantage of it.
For more information: Is $5,000 enough to move? The ultimate guide to moving
Home renovations
Contractors often prefer cash and may offer better prices for it. Paying with a credit card may incur additional costs or high interest if you do not pay it immediately.
A cash budget ensures that renovation costs do not spiral out of control. Pay per use ensures that you are not left with half-finished work and an empty wallet.
For more information: The Best Frugal DIY Home Projects, Decor, and Everyday Savings
Holidays
It’s easy to overspend while traveling when you use credit cards. Paying cash for hotels, food and fun activities keeps travel costs under control. Some places even offer discounts for cash payments.
With a fixed budget you won’t come home with a pile of debts.
For more information: 5 tips to save money on traveling with a vacation fund
Tuition fees
Some schools charge additional fees for credit card payments. Using cash or checks can help avoid these costs and keep education costs lower.
If you have saved, paying your tuition fees in cash can also prevent you from taking out unnecessary loans. Sticking to a budget for school means less stress after graduation.
For more information: How to Get Paid to Go to School: 18 Ways to Get Paid to Go to College
Private school fees
Many private schools offer discounts for lump sum cash payments. Paying upfront can save you money in the long run.
It also ensures that you are not dependent on high-interest payment plans. Make sure you can justify and afford the cost of private school education for more than one year.
Tips for restaurants and bars
Paying tips in cash ensures that your server gets the full amount. Some places deduct a processing fee from tips paid by card.
Cash tips are also readily available, helping employees get paid faster. If you want to make sure your money goes where it belongs, cash is the way to go.
For more information: Essential Tipping Etiquette: What You Need to Know
I don’t want prying eyes to know about this
Some purchases are better left off a credit card statement. Whether it’s a personal gift or something private, cash keeps your spending discreet.
No paper trail means no one can track what you buy. A cash budget can help you keep your personal expenses under control.
For more information: How do I talk to my partner about money without arguing?
Taxes
Some tax offices or preparers offer discounts for cash payments. Paying taxes in cash also helps avoid processing fees associated with credit or debit transactions.
If you owe the IRS, cash payments will prevent additional interest charges from accruing. It’s a smart way to deal with expenses that can’t be avoided.
For more information: 24 Best Ways to Save on Taxes and Keep More of Your Money
Boats and campers
Financing a boat or RV involves high-interest loans that will last for years. Paying cash will save you thousands in interest and prevent you from buying too much.
Some sellers negotiate better prices for cash deals. With a fixed budget you can enjoy your purchase without long-term debt.
Ammunition and weapons
Some stores offer lower prices if you pay in cash. Credit card purchases may also incur additional fees or tracking that you may want to avoid.
Cash helps control expenses and ensures you get what you need. If privacy is important, cash is the best option.
Use cash for anything under $20
Small purchases add up quickly when you use a card. Paying in cash makes you more aware of your expenses and prevents impulse purchases. It also avoids card fees that some small businesses charge.
This helps keep daily expenses simple and manageable.
For more information: Use the Cash Envelope System and Find Success
How much cash should you have on hand?
It’s smart to keep cash on hand for emergencies, unexpected expenses and everyday expenses. The right amount depends on your needs, but setting aside at least a few hundred dollars is a good start.
Cash is useful when cards don’t work or you encounter places that don’t accept them. A well-planned cash budget ensures that you are never faced with any surprises.
For more information: How much cash should I have on hand? What experts say for staying home
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