Now that cashless payment has become commonplace, such as code payment, touch payment, app payment, etc., there are so many services that I don't know what to use! Harumi Maruyama, a savings advisor and financial planner, is planning to teach such people how to use cashless. The theme this time is "how to properly use cash and cashless payments".
What are the advantages of cashless payment and cash payment?
Cashless payment and cash payment each have advantages and disadvantages, but the main advantages of cashless payment are that points are awarded, some benefits can be received, and payment can be made smartly .
Cash payment has the advantage that the payment is completed on the spot, there is no billing later, and household finances are easier to manage . Households that are not good at managing money and end up in the red every month can expect the effect of preventing overspending by first managing cash.
Cashless payments include deferred payments such as credit cards, electronic money and code payments that are charged with cash, and debit cards that are immediately withdrawn from a bank account. I'm wondering whether to combine these or narrow it down to one.
Considering the campaign, I feel that code payment is more profitable, but if you want to simplify household management, you can say that using a single credit card is also a good idea .
Cashless payment is convenient and economical for everyday shopping
For everyday shopping, cashless payment is convenient and economical . In the case of code payment, there are many events where the point return rate is high when paying at a specific store. However, if you follow these events, you will be forced to spend money and use various cashless payments, making it difficult to keep your household budget together. It would be a good idea to use a household account book app to make it easier to enter cashless payments.
For supermarket
Some supermarkets have introduced their own electronic money, and the feature is that the point award rate is slightly higher than other payment methods. However, it is not very convenient as it can only be used at supermarkets and related facilities. If you use several shops, paying with a credit card will make it easier for you to manage your finances.
convenience store
I think there are many people who have lost their resistance to cashless payments even for small payments. At present convenience stores, it seems to be important to shorten the time spent at the checkout counter by charging for plastic shopping bags . Cash payment takes the longest time to pay, so electronic money or contactless credit cards would be more convenient.
Drug store
Drugstores can also use various payment methods, such as code payment and credit card payment. In the case of code payment, you will be able to increase the point return rate by using the campaign .
restaurant
Restaurants such as fast food restaurants may also have campaigns that increase the point return rate if you pay with code payment. Also, since there are discount coupons for restaurants in the code payment app, you can get points and discounts, so you can use it at a great price.
How do you pay fixed costs?
Fixed costs can be paid by direct debit, credit card payment, or partial code payment. If you are using a paper transfer form, you can earn bank transfer discounts and credit points by paying by direct debit or by credit card.
Utility charges
When paying utility bills at financial institutions and convenience stores, you can only pay in cash or pay with nanaco at 7-Eleven. With nanaco, points are not awarded for payments such as public utility bills, so we recommend paying by account transfer or credit card instead of cash.
With code payments such as PayPay and au Pay, you can pay by scanning paper bills. For au Pay, 0.5% points are awarded according to the payment amount. You can pay at home and earn points without going to a convenience store.
*PayPay invoice payment benefits have ended on March 31, 2022.
rent
It is not uncommon for properties to accept credit card payments for the initial cost, but the number of rental properties that accept credit card payments is increasing. You can also earn points by paying with a credit card.
However, if your credit card limit is low, such as 500,000 yen, you may not be able to make other purchases, so it is a good idea to raise your credit limit temporarily or continuously. In that case, contact your credit card company or apply online.
subscriptions, etc.
A fixed-price subscription can now be called a fixed cost. Subscriptions are basically paid by credit card, so please be aware that if you pay in cash, you may be charged a fee.
For fixed costs, consider comprehensively whether cash or cashless payment has less fees, whether points can be accumulated, and whether there are discounts.
When you feel like making an impulse purchase, pay in cash
Clothes and cosmetics tend to be expensive, so when using a credit card, make sure you have the same amount of cash on hand . In other words, you can make a personal rule such as paying cash when you are about to make an impulse purchase.
If you want to buy clothes, cosmetics, or brand-name products, we recommend saving up department store gift certificates . Recently, it has become a card type, and it is a mechanism that automatically charges when the maturity comes. It's convenient because it can also be used to pay for online shopping at department stores.
It may be convenient to go cashless for entertainment expenses
The basis of splitting the bill is cash, and I think that will not change in the past. However, you can also pay by credit card one by one, and in the case of code payment, you can reduce cash exchanges by using a remittance service . However, when splitting the bill with code payment, the other party must also be using the same code payment.
Summary of this time
Recently, it tends to be more profitable to use cashless payment than cash, even considering points and fees.
Also, if you use cashless payment, your history will be saved and it can be used as a household account book. It's better to make ends meet inside. Please be careful not to choose credit card payment because you don't have enough money to live.