I understand the appeal of the debit or credit card. It’s a lot easier to track on Quicken. You can travel light. Believe me, I get it. I use my debit card…a lot. But there’s a time and a place to whip it out, and it’s not when you’re splitting a bar tab ten ways. If you know you’re going out with a large group of people, for the love of all things holy, stuff a wad of bills down your pants.
And believe it or not, there are still a few places that only accept cash and checks. I choke back my two cents every time I find myself at one of these joints with someone who doesn’t have a lick of cash on them. My choices are few: I wait for them to go to an ATM or I float them the cash and then I wind up looking like a dick three weeks later when I ask for the money back and they don’t remember—and they still don’t have any coin on them. Asking for the third or fourth time, I sound like a tightwad tool. And more often than not, I forget that I loaned them money and I’m just hosed.
The only thing to do is to gather up my change in a sock and float one last loan. Just let me know where on your body you’d like me to deposit this hefty sum. And don't worry about repayment. This one's free of charge.