LATEST MOAN FROM YOU AND ME 2019

Not sure I can remember how to cash a cheque!

 

We use cheques all the time and receive quite a lot of them. We do very little online banking and never go to our bank. Cheques are paid in by putting them into a free paying-in envelope and dropping them into the village post office when Mrs Shiney goes for her daily walk.

Regular payments are done by DD (utilities, council tax etc. with cashback from the bank account) and other payments by free credit card which gives me cashback on all transactions.

Works for us.

 

I haven't even owned a chequebook for longer than I remember, it's a wonder to me why they still exist

 

Weirdo :rasp:

 

I didn't know you knew my nickname that I've had for over 70 years!

 

Cheques were scheduled to be discontinued in 2018 but that has now been cancelled. Consumer groups and the Government put pressure on the Payments Council (the banking organisation) and the use of cheques has now been said to go on indefinitely. They will, of course, eventually be phased out but the banking sector have made technical advances for them to be able to process the cheques much cheaper - using imaging. If you use cheques you need to request new cheque books as they are now not sent out automatically.

A lot of Mrs Shiney's patients don't have internet, or physical access to a bank, and need to pay by cheque (cash always gratefully accepted ).

 

I had a thought earlier - just the one - with all the banks closing branches (our local village is about to lose it's final banking branch, 10 years ago there were 4) would it be a good idea to have out of town branches? No-one wants to go into town just for banking so an out of town place, exactly the same as they do with DIY stores or supermarkets (could even be a concession within one actually), would be easily accessible. Buses could run there from town centre and other routes for the elderly. Easy parking for everyone, easy access.

Good idea or no?

 

Can barely get into Woking these days with all the construction!

 

Getting through the traffic nowadays to get into town is difficult. I'm thinking about not only growing my own fruit and veg, which I do at the moment, but having my own sheep and cows!

I just remembered that we have butcher shops in nearby villages - so scrap my bright idea.