Small to medium shops all around my town in Australia.

It’s started to make me think about returning to cash, but it’s $3.20 to get cash out unless you go to the bank during their office hours

The latest that drives me mad is the 1.5 surcharge they’re putting on pay wave transactions now.

They pushed it free convenient etc etc and now charge extra for it regardless of debit or credit card

Feasible but it’s a long con. Although big corporations can play these games i guess

Part of me wonders if this is all a play to boost crypto values by the execs in these industries.

I live off a credit card, my money sits inside an offset account against my home loan the interest charged on that is calculated every 30 days at the end of the month so the more cash I have in there the less interest I pay on my mortgage.

The credit card is free with no fees or interest provided I pay it off on time with that date being every 30 days from the 15th of the month.

Thus at the end of the month when interest is calculated on my home loan I have more cash in my account then I would if I had of spent 2k that month on bills etc.

The other benefit is I earn points that the bank will exchange for cash with me so it’s kinda like free money.

For context I’m Australian with an Australian bank.

This set up is great if you’re disciplined for anyone due to the points etc however if you screw up spend beyond your means etc you will incur interest and that’s not good.

I make sure to never spend more then I actually have and it has worked wonders for me.

In the past 10 years I’ve probably been made about 7k back in points value.

Cash flights etc all for spending exactly as I do.

I should note the card is provided to me as part of my home loan package hence it has no fees attached as I pay an upfront cost for the “home loan wealth package”

Hi, im Beff Jesoz and I have a company called Nozama and I’ll give you 10 billion dollars to stop this.