i got this rather random notification from twitter over the weekend so i guess i have to respond to this now
How often do you use your debit card?
to be honest, i’m surprised by how little i use or need a card. at this point, i find that i am paying with my card maybe once every other day, and it’s mostly at major chains. it’s largely because most non-chain places i spend my money on a day-to-day basis either don’t accept card or disincentive card use.
this does change when i’m around other people tho!
How many cards do you have in your wallet, and what are they?
okay sooo here’s a pic of my wallet right now!
left pockets are for transit cards (i carry many redundancies b/c I like swiping friends and people in need into the subway esp in the age of increased police brutality for fare evasion)
Philly transit: 1 SEPTA transpass (unlimited travel on all modes except regional rail), 1 SEPTA anywhere pass (unlimited travel on all modes), 2 SEPTA key cards
NYC Transit: 1 MTA pride metrocard, 1 Port Authority metrocard, NJ transit tickets for my most common trip combos
right pockets are for other jawns
Loyalty: Wawa rewards card, various punch cards, extra Monzo card for the next time someone complains about their bank
Memberships: Costco card, generic photo ID, Amusement IC
I keep my more used cards in a lanyard; seperate from my wallet
Keychain: unlimited ice cream tag, bikeshare tag, pony charm for good luck
Lanyard: SEPTA anywhere pass, Monzo card, Cash app card
Not shown: contactless transit card embedded into an eevee i carry around
How do you budget your day-to-day spending and how often do you stick to that budget?
low key i just carry like a $10-20 dollar bill with me and if i’m outta money then i’m outta money. i don’t really “budget” beyond that, but i’d like to start at some point.
What excites you about Monzo?
y’all listen to your users, give me more control on how i track spending, steer away from most of bullshit that i’ve had to put up with on other banks, have trans-inclusive policies, etc, and honestly i appreciate that tbh
i meet with people in the UK on a regular basis who have been Monzo users over the past few years, specifically at my little pony conventions and “tech” conferences. i’m also in fintech circles and monzo gets disproportionately mentioned much more than other banks, so it’s not just me when i say this thing has legs!
What would Monzo need to do to be the first card you pull out of your wallet when you go to pay at the store?
it already is by the virtue of being the only card. someone once said my hot chip was “sexy”, i don’t think hot chip liked being catcalled but whatever
i occasionally use cash app card where it actually saves me money: I get them “boosts” that give me 10-20% off random places, and $1 off every coffee, tacos, or MTA subway entry. if Monzo could have a similar program that saves me money and/or give me free tacos, i’d dig it!