Good Lifestyle

Some of you may not be old enough to remember, but there was once a short time ago when you leave the house without at least a little money in your wallet or bag Handheld was unthinkable. You never knew when you may need to spend money, paying a restaurant bill or fill a gas tank orgather grocery stores Before going home. Life was just a series of money exchange waiting.

But the paper currency has become increasingly rare in our daily transactions. Credit and debit cards are accepted just about everywhere and the "minimum purchase" requirements become things from the past. You can pay for taxis with an application, divide a restaurant with a friend using Venmo and pay just about everything with PayPal. If you have money on you at all, it is never touched.

Untila time when you need it. Believe it or not, there are still moments in life when you need cold and hard money. And when it happens - and trust it, it's always - you will need to consider things you have not thought in years. Like, "Do I have enough money?" It's usually not something that crosses a person's head when they pay with a credit card. If something costs $ 20, then your card has just fired this amount of ether. But if you pay in cash, you must haveAt least $ 20 on you.

So how much should you have? What is a reasonable amount to transport with you in case of emergency? And in case of emergency, we intend to find yourself in a situation where the electronic transfer of funds is not possible, or a situation we glide some bills in the hand of someone is your only option.Switch a service person, For example, or make a gift to a lemonade support being managed by neighborhood children in the block. Nobody should be the guy who tries to buy the lemonade of the sidewalk asking: "Do you take American Express?"

As you can imagine, there are many opinions. Ain order toMoneymagazine found that 42% of the population no more than $ 40 in cash, 30% were between $ 41 and $ 99, 17% reached $ 100 to $ 199 and 11% or more. No explanation has been given for what they have chosen these different denominations.

So we decided to know. We have cleaned the Internet for collective wisdom, checking the "experts" financiers to addit opinion users, to see if we could find a consensus. Everyone has an argument and believes it or not, there is common ground. By popular opinion, based on dozens, if not hundreds, people who always have belief in money money, the official of how much money you should wear with you at any time. .

$ 200.

Why two hundred?

Because it is enough to handle a standard emergency, but not a cataclysmic. This will not save you if you have to leave the city and create a new identity to escape the crowd. But let's sayYou are at the restaurant And you try to pay your bill with a credit card. It is refused. You do not understand, there must be a mistake. Your waiter tries it again and again nothing. You can call the credit card company and go to the bottom of this, but knowing how long it could take. Better simply repay the invoice in cash and get out of there.

There are a number of situations in which to pay with credit might not be an option. And have a single bill of $ 20 in your pocket will not get you out of each tight corner. According to budgetyourtrip.com, it costsan average of $ 221 per person for every day traveling to the United States. So $ 200 is a pleasant and reliable amount that should cover just about anything.

Keep it especially in the twenties

A pair of Benjamins could be less thanched cottage, but it will not be ideal in all emergency scenarios. If you need extra money for something like, tell yourself, be towed a ditch or getting a good Samaritan in the middle of the deserted road, slide them a few twenty for their problem is much easier than asking if they could give up a hundred.

It's enough for an impromptu grocery visit (and could save you money)

Have you ever done a quick trip to the grocery store to pick up one or two things and ended up going out with your grocery store during the week? This happens to us all and that $ 200 in your pocket should be more than enough for everything you need.

Why pay cash when you could easily use a card?In a 2008 study published in theExperimental Psychology Journal, the researchers found that the participants spent 21%FollowingWhen using a credit card to buy ingredients for a Thanksgiving dinner ($ 175) than when you pay in cash ($ 145). When we suggest a credit card, it does not feel that we lose nothing (until you check your balance later). But with money, you are extremely aware of what you give up at every purchase, so you need to be careful to choose only the things you really need, at the prices you really want to spend.

Have at least $ 20 in Fives

You never know whenYou will need to point someone, Whether your hairdresser, Barista or Bellhop. Having some wrinkled singles will not help you; We live in 2018, not the beginning of the 20th century.According toInternal business communityStandard failover for all, dry cleaners to maids to room companies to serve $ 5 and $ 10. So, have at least some of these bill bills guarantee that you are always prepared.

Avoid bills from a dollar

Why? Because they Freaking Salethy! In general, in general, is quite toxic, but invoices of a dollar, in particular, can be more obvious than you have never imagined.Ohio researchers Analyzed several dozens of bills from a random dollar and found that 87% of them were infected with bacteria. Just think of a dollar ticket is always used in a modern world. Exotic dancers, for one. And perhaps documents on homeless people. It is more or less that. Is it a surprise that most dollars are not exactly hygienic?

You may never need $ 200, but you will rest easier to know that this is there. If it is lost or stolen, it is not enough to break the bank. But in the outperiel that technology is broken down or confronted with a situation where you have invoices will prevent you from losing trouble faster than finding the nearest ATM you will be happy that it is there. .

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