May 6, 2009

The Telegraph

Back in October, the Telegraph posted an article about me living without cash for 10 months… in their “Weird News” section. At the time, I thought that was about as much press as I was ever going to get and, for a while, I was really hoping it was. The article got picked up on Digg, the news link sharing community, and it seemed people thought I was everything from a fraud to ‘an arrogant douche’. Even though I know the internet is filled with cynics – it still sucks to be called things by people that don’t know you and don’t care to either.

Well, however many months later, I am featured in the Telegraph again! This time in print [awesome], in one of their Saturday paper [mega-awesome] and I got to write the 1000 word feature myself [super-mega-awesome]! Despite the rather large picture of me looking utterly confuddled, typically dishovelled and baring ALL my card details; it was an absolute privilege to be able to write about my experience for a national broadsheet and it absolutely made my week!

This is a scan of the article for anyone that cares to read it but please don’t feel obliged! Oh, and if you do choose to, click the images to see them full size… this isn’t micro film.

daily-telegraph-1daily-telegraph-2

May 6, 2009

The Cost of Cash on a Community

This morning I read, utterly aghast, about the police inWanstead and Snaresbrook in East London offering locals an escort service from cash machines to their homes.

I’ve been banging on about the safety issues surround cash handling and carrying for a while, in fact my recent piece in the Telegraph included a highlighted snippet quoting me as saying, “mugging me is pointless”. Whilst, although I do agree I am less of a target than some, my lack of cash does not rule me out of the running for a good mugging – far from it. I still have phones and gift cards and often a camera of some sort or another.

None the less, whatever I choose to carry on my person is my own personal decision and, before leaving the house, I will apply the same level of foresight as to where I am going and at what time to what I carry about with me.

I won’t take my DSLR for a stroll around the nearest estate after sunset, nor will sit using my laptop on a quiet bus at any time of the day – it is just logical to presume I stand a good chance of not coming home with my possessions in either case and, whilst it is utterly depressing that our communities harbour such a need for caution and inhibition, it is the community I choose to live in for all its benefits and I am begrudgingly OK with the situation.

I would not, for example, expect a cop to make sure I got home in one piece if I had chosen to go out with my camera.

 

Photograph: Stefan Rousseau/PA

Photograph: Stefan Rousseau/PA

 

Understanding that some people use only cash to live their lives still, I am not questioning the need for better safety surrounding cash points and known trouble spots; but are personal police escorts necessary? Could the money spent on walking vulnerable people home not be spent more effectively on tackling petty violent crime? On educating the more stubborn of our communities about the dangers and perils of predominantly using cash over the security of card transactions and carrying pieces of plastic with nominal actual value?

Maybe this campaign will do exactly that! Maybe those that suffer the laboriousness of booking a police escort or witness the paid effort to maintain the service will put 2 + 2 together and turn to cards all by themselves!

 

Read the Guardian Article Here.

April 8, 2009

Abundant Coin Forgery

A brief update. The BBC have released a “Spot the difference” themed video alerting the British consumers of the differences between a real and a fake £1 coin.

Whilst this might sound a bit ridiculous, apparently the Royal Mint has recently realised that their estimates of fake currency being used in the UK is almost under half of the actual figures. That is alarming for everyone.

Not using cash, I dont have to worry about this in the immediate instance, but the broader picture of our society is quite worrying –  we are so busy spending our money that we aren’t even really looking at it properly!

Watch the video here!

March 19, 2009

How To Spend A Penny…

This is a tale of two airlines with an utterly upoosing opinion on cash/cashless existence.

 The first is RyanAir, the budget airline that we all love to hate to use, and their CEO announcing that they are seriously ‘contemplating’ charging their customers to use the facilities by installing a coin-operated system on the doors of the loos.

 Whilst this announcement has been met by obvious and expected public outcry and no doubt intentionally ensuring ‘RyanAir’ is the keyword of every household’s evening meal for a while; this is a bit of a concern for me.

 I am planning on venturing to Berlin for a weekend with friends toward the end of spring and now I’m not just looking out for the cheapest flights available, I’m looking out for flights that aren’t coin operated!

 RyanAir’s announcement might be hot air but the sheer thought of such a backward step seems so ridiculous to me. Why would an airliner actively encourage the use of cash aboard their fleet? Money is very much nationally regional (with exception of the Euro) whilst card and electronic transactions are very much international and (for the most part) generic.

 Whether the tight-fisted board of executives decide to run with this preposterous plan or not I, for one, might have to start planning my international travel according to how long I can ‘hold it in’ for. When I began this cashless adventure I never imagined I would encounter this hurdle.

 Thank you, RyanAir for keeping me on my toes… and my legs tightly crossed.

 The second airline on my radar is American Airlines – for purely good reasons! Although the news might be slightly dated, I am yet to report on the wonderful news that they have outlawed cash transactions onboard their domestic and Canadian flights.

 Lauri Curtis, American’s Vice President of Onboard Service says, “On these flights, American will only accept major credit cards or debit cards for onboard purchases such as headsets, fresh light meals, snacks and alcoholic beverages.”

“Moving to a cashless cabin allows us to streamline the inflight sales process for both our customers and flight attendants.”

 Their planned transition will be fully launched by the summer and following quickly on their heals is United Airlines who have announced the imminent arrival of their ‘EasyPay’ system, allowing passengers to pay for their purchases with all major plastic.

 Always one for light entertainment; I think this video of an American Airlines inflight attendant adding a little twist to the rigmarol of the preflight attendant highlights the stark difference between the American and British attitudes toward a lot of things… 

 Rules are there to be broken and cash is there to be forgotten.

February 23, 2009

“Please take your change, thank you for shopping at Tesco”

After my penniless week and the subsequent celebratory weekend (in which I undid all the good money saving I had achieved prior) I thought I’d really got the cashless existence down to a fine art again. I’d managed to stop myself popping into EAT every time I walked past for a contactless coffee, I’d resisted making up a minimum card spend at a bar with an extra large drink that I don’t really need – I’d even bothered to take my own very basic lunch to work!

Everything was going swimmingly and a lot of my new habits had lasted through into this week, I could actually imagine myself saving money by the time I next get paid!

That was until Wednesday when everything became undone.

The details are vastly unnecessary to this post and, more importantly, horrific enough for me to not want to retell the hell so I will be brief… for once!

Essentially, after texting my girlfriend just before lunchtime, I received an almost incomprehensible reply from someone lambasting me with insults and laughing that it wasn’t said girlfriend, it was in fact someone who had robbed her.

Taken over by sweltering rage and helplessness I text back asking who this was and what had happened (an utterly pointless exercise that only exacerbated the problem further). More abuse and truly horrendous anecdotes about Netta’s fate followed over the following couple of hours and somewhere between calling the police and googling the enquiries number for Tooting A&E I decided I needed something to eat. I held on to that feeling until I finally found out that she had been pick-pocketed and was actually fine just phoneless and pissed off.

With a sigh of great relief and thankfulness I put down the phone to the cops and grabbed my coat. I deserved a Triple Chocolate Belgian Muffin and nothing was going to stand in the way of me and my squidgy baked goods. Not after the shit I’d just been through.

I made a B-line to Spitalfields Tesco to buy my prize for ‘Most fretting boyfriend in the world… ever’ and got into the queue to pay, eager to get back to the office, make a cup of tea and squander a good 10 minutes before I feel too guilty and get back to work.

As always, I chose the automated checkout instead of the people checkout (I still find the robo-till doesn’t judge you for charging a 90p muffin to your card like a person does). As the shopper in front of me picked up their goods and walked away I approached – the till was just finishing reminding the man to take his change that it was very grateful for him choosing Tesco – an odd sentiment from a stationary robot.

As I went to swipe my delightfully delectable muffin the till reminded the man before me to take his change again. So I waited a moment in silence, hoping it would go back to the start soon enough. The woman spoke again, asking him to take his change. I thought it must have been broken and I was about to rejoin the queue for another till when the automated, over-loud woman’s voice said,

“Please take your change, notes are dispensed beneath the scanner.”

Looking down, I saw a ratty old £5 note sat in the little conspicuous money tray and the man in front of me had clearly forgotten to expect in return for however much money he fed the contraption.

I wasn’t sure what to do.

The man was long gone, and the person behind the one manned till was far enough away from me for him to come and solve the problem. I had no problem picking the fiver up and making the till work again, I just didn’t know what to do with the £5!

I casually placed it behind the robo-till whilst I bought my muffin by card (not needing to hang around for anything more than a receipt) and went to give it to the man behind the till.

As I explained what had happened he looked at me in complete disbelieve, as if it was the first time he’d seen anyone do something that wasn’t a direct effort to benefit themselves. He frankly asked me, “So why aren’t you keeping it? I don’t know what do with it. The guy won’t come back you know?”

I told him about not using cash ever and he looked at me even more inquisitively before very warily taking the £5 from me and slowly putting it behind him by the cigarettes as if he was expecting a post-humous Beedles About at any moment.

Walking back to the office I thought about how I’d completely taken for granted the issue of losing money whilst living a cashless life; if someone loses a card or a wallet full of cards it is a pain in the backside but completely rectifiable – even if the cards are somehow used, the electronic transactions mean that the processes in traceable and excusable and the user doesn’t necessarily lose a penny.

But the man in Tesco, or the person that leaves their bag on a bus or unfortunate souls that are robbed or mugged will lose the cash that they have on their person and, in most cases, will be expected to write it off as an irreconcilable loss. Why on earth are people carrying cash around with them when misplacing it means losing it entirely? If you can survive by carrying a couple of worthless pieces of plastic around instead of the direct property of ‘money’, why wouldn’t you choose the first?

Seems a bit silly to me.

The muffin was jolly lovely by the way.

February 12, 2009

How Hard Can It Be? Pt.4

I didn’t have a chance to write anything yesterday because… I couldn’t really be bothered. I was really tired by the time I got home.

True to my word, I decided to go out last night and I am really glad I did. After work I went to the gym (knowing that that wouldn’t cost me a penny) and then went to meet two friends for a drink, although I actually met them to chat and observe them drinking. Much to my surprise I managed to resist the urge to give in and buy a sumptuous drink. I won’t say it wasn’t difficult – it really, really was – but I gradually realised that I was there for the conversation and as much as the barman might glare and fume with unimpressed, pursed expressions for a few hours, it wasn’t the end of the world and I had a lovely time.

Simple!

Again, today I benefited from my company’s breakfast – two Shredded Wheat and a dash of sugar. Ian Botham would be proud! And then, at lunchtime I popped over to VISA to meet some of the guys and talk about all things cashless/contact less… a pleasant way to spend what turned out to be my first lunch break in weeks! Before I knew it was 8pm and I was getting chucked out of work and I was on my bike cycling home, fortunately between rain clouds and more than happy pootling through the back streets and the park back home knowing that Lethal Weapon 4 was waiting for me with open action-movie arms.

Whilst I do miss all the impulsive purchases, things like coffee and socks for example, I’ve been jotting down the number of times my  cravings get to a point that I would usually cave in… obviously not necessarily sock cravings. I think I have already saved at least £30 on just ‘things’ already. In comparison to the money I earn a week, that is quite a substantial amount of money!

Tomorrow is another day and again I am going out tomorrow night, this time I am jumping into completely unknown territory and am going to something called Twestival. I have no idea what Twestival actually is, nor do I know what to expect or the type of people that will also be attending Twestival. All I do know is that the entire event has taken over my Twistori screensaver and that has pissed me off quite a lot.

I am also quickly beginning to resent any word, real or made up, that starts T-w-.

I will update tomorrow about what the delights of the aforementioned event entailed and whether it hindered my money free week at all.

February 9, 2009

How Hard Can It Be? Pt.3

Nearing the end of Day One… if you don’t count last night’s efforts.

I’m still at work. I have no real attraction to leave; on any other week I would be leaving to go out with friends or to buy too much food for one sitting, head home, sit, and eat too much food; both of which I enjoy immensely. It is

Usually if I were heading home, although I’d usually keep working, I’d have hired a movie to watch and if I were going out, I’d almost certainly be meeting in a bar or a pub somewhere. Instead I have nothing to do. I have a selection of movies I have seen thousands of times between them all, I have a dodgy Internet connection with nothing to look for and I have a mountain of washing to do. With this in mind, I am happy staying in the warm office until I get chucked out.

Furthermore, it is still raining.

This morning I got absolutely soaked. Although I would never consider myself a fair-weather cyclist, when it rains as hard as it was when it came to leaving the house I would usually jump on the bus and sit in the dry. The bus costs £1 so that left me with no option. I cycled and paid for it in discomfort for the subsequent 6 hours.

My shoes are still drying on the radiator and my trousers still looked like I wet myself – albeit a day ago, which seems all the more squalid to me!

Food hasn’t been too horrific today; the company I work for are amazing and provide their employees with complementary cereal each morning. I chose Shredded Wheat this morning; it was wholesome and delightful and pushed me through to 2.30pm before the stomach-rumbles were becoming too distracting.

To quell my tummy’s dissatisfaction and sustenance deprivation I chewed through 2 Riveta I found in one of my desk draws… a hidden bonus to the reserves (especially as I gorged through the crisps last night).

And now? It is 7.30pm and I’m already looking forward to another breakfast tomorrow morning!

My friend just dropped me a line asking me what I was doing tonight and whether I wanted to meet him for a drink, the answer was no. I don’t think I’m used to this enough to resist yet. I think the best course of action is to go home, curl up with a movie and a tea (yes I also forgot to mention the tea yesterday, sorry).

To make this week’s antics worthwhile, I think I’m going to have to explore a bit. I’ve always said, London is full of free opportunities for fun and I think this might be the opportunity I have to truly prove it.

By the way, I am Twittering or, rather, ‘Tweeting’ this entire experience every couple of minutes. Follow me at twitter.com/jameslacey

February 8, 2009

How Hard Can it Be? Pt.2

News Update.

Since setting myself this challenge two hours ago I have already eaten the rest of the Walkers Thai Sweet Chili Crisp Sensations. I’m bloody starving. This does not bode well for a working week on non-spenditure!

I’m distracting myself with writing content for work but the stomach is still rumbling. I’m actually contemplating going to sleep now to escape the urge to polish off everything I have left to last me the week.

Shit.

February 8, 2009

How Hard Can it be? Pt.1

A recent series of events has led to me being seriously short of funds. Firstly, some little bastard managed to clone an Amazon payment and bust me £800 for something that I will never receive, then – only the night after – another little bastard stole my jacket from a bar with my ipod and headphones in the pocket. The next day I learnt that FitnessFirst were pressing me for an entire month’s membership fee because the processed my letter of notice a very convenience two days after the new month’s payment in advance was due… the fact that I had sent the letter a month in advance already seemed to be neither here nor there. Finally, and this one actually is my fault, I have been fined by the DVLA for not renewing a SORN status on my motorbike.

It has been an expensive week!

Subsequently, with all of the above in mind, I’ve decided to set myself a challenge for the next week. Inspired by Mark Boyle who is currently living off the land down in the West Country; I’ve decided to see whether I can make it to the other side of the week without spending a penny.

This obviously excludes rent that is already paid and [hopefully] we aren’t about to get stung by an unexpected bill or any kind.

The reason for this is, not only do I need to save up some money to get back to where I was only last week but also I am absolutely convinced that so much of my expenditure doesn’t really benefit me.

Now that cards are being accepted more and more around the East End I have slowly started creeping back into my old ways of picking up a coffee for no reason, buying myself ‘a little something’ every time I set foot in a supermarket and am forced to queue next to the confectionary and I simply do not need any more fancy socks – I admit, one of the stranger addictions one might have!

So the plan is to survive from right now through to the end of the working week (I have already made plans that I know will cost me money on the weekend) without spending a single penny of my money.

The important information before I begin:

In my kitchen I have the evidence of a rather hectic lifestyle, I am rarely ever home and my food supply shows it.

To my name I have:

·      3 x Instant Noodles of various ‘flavour’.

·      1 x 2 pint carton of full fat milk. Opened.

·      1 x 500ml bottle of Ketchup.

·      1 x Half eaten bag of Walkers Thai Sweet Chilli Crisp Sensations.

·      1 x Absolut Vodka Christmas gift set.

·      1 x Packet of Migraine pain killers… 2 left.

 

I think I have enough toiletries to make it through the weekend, the priority being deodorant and toilet paper… fingers crossed!

For the first time in a long time, I have a relatively clear diary for the week – there is so much to do at work that I can’t see me getting time to do anything other than go to the gym and that is also paid in advance.

As I am sure my evening plans will change, the game is to cycle there as usual and not drink/consume. I went a bit orthodox on the wider concept of LosingFace a while ago, preventing friends from paying for things for me etc, that was pretty tough and not always possible, I think this might be trickier.

I will also write every day with updates on how I am doing.

Let the games begin!

Oh! And one last thing, I just weighed myself; I figure the sudden halt to the pastries and hot chocolates that I usually devour will probably mean I drop a few.

I weigh 78kg today.

Rock on.

 

January 24, 2009

A Misplaced Effort

As I’m sure I have mentioned countless times, I ride a bike – practically everywhere. In relation to other big cities in the UK, let alone the more rural areas, London’s public transport system is pretty damn good (until you start to think with a global perspective – then it is pretty shyte).

Despite having a never-empty Oyster card chip built into my Paywave card and therefore always on my person, I would still choose to ride across greater London than get on a bus, then a tube, then walk a bit to another bus stop and so on – all the while, putting up with the odd personalities, the rouge sneezes and the loud-speaker mobile phones blaring out RnB from the back of the bus like a marching flag of the users bland identity.

I’ve always felt this way since moving to London lots of years ago and despite the occasional period of broken bikes or broken limbs, I’ve been very loyal to two wheels the entire time, even through the winters.

I also know that I’ve mentioned where in London I live! The East -by far the very worst funded public transport system in the entire city. Criminally underfunded, poorly policed and constantly broken which means an awful lot of other residents have turned to their own means of travel, it is wonderful to see so many people on bikes!

I used to live at the foot of Bricklane for years until it got a bit too pricey and my housemate and I decided to opt for new surroundings and pastures new, subsequently moving to Hackney further North.

These locations have meant that at least once a week but usually every day, I would cycle up or down Bricklane to get to or from home or work. Cycling up Bricklane is fine, it is a one lane, one direction road with so many people around cars and bikes alike can only really crawl up it.

For exactly the same reasons, cycling down it isn’t quite so OK, there is one lane of traffic coming straight at you and whilst it isn’t dangerous in the slightest due to speed and so few vehicles, it is illegal.

Yesterday was the first day in a long time I didn’t take my bike to work, I had to be at Oxford Circus for some ungodly hour and it was raining and my legs were still aching from the ride the night before. I left it at home and caught the bus.

It wasn’t until I was leaving work and walking up Bricklane in the evening when it was dry and my legs had loosened up again that I found myself longing for my bike, wishing I’d put up with the rain so that I didn’t need to put up with this tediously slow walk to a bus stop I knew would be packed.

It was with that thought that I saw two community police officers busting every single cyclist coming down Bricklane. Every one of them was getting an on-the-spot fine and a queue was starting to form as one risked his own safety and the cyclists, pouncing out in front of the riders, forcing them to stop whilst the other struggled to write out the paperwork.

I wondered if they’d played Rock-Paper-Scissors as to see who would get the crap admin job.

I was angry to see that the queue of reprimanded cyclists was a diverse bunch. Weirdly, despite being one myself, I could understand if the cops were pulling over the more reckless cohort of riders, it is hard to describe without offending, but the boys and girls that look like they really ride a lot (for a career or otherwise) – I will completely resist using the words Fixed or SingleSpeed in the description.

But no, the queue contained all sorts of people, older gentlemen on Bromptons adorned in reflective bands, beautiful girls on their Pashleys and old Raleigh Shoppers, commuters with their helmets and rows upon rows of flashing lights and, of course, the odd one or two race/road/track bikes.

Seeing that made me think what an utter waste of time that is. Why not, instead of sending two poor and unsuspecting do-good rookies down to shoot a bucket of fish with a shotgun, don’t the local authority (Tower Hamlets) do a little bit of market research and realise just how much cycle-traffic comes down Bricklane?

Considering the alternatives, that road is infinitely safer to go the wrong way down than the right way of any other parallel street nearby. You’d think the council would think that, potentially, instead of fighting fire with fire, they might actually be able to help and build a counter flow cycle lane?

Surely it wouldn’t be that hard? The pavement and the lane are the same height already and, in most parts, the paths are of a generous width… that way they wouldn’t need to send cops down there to teach a handful of the daily riders a lesson that they will surely forget the moment they pay the £80 (?!?!) fine!

Riding a bike is, by far, the most rewarding and liberating mode of transportation in London; it is sociable, healthy and actually remarkably safe unless you’re an idiot. With all the transport campaigns and eco-awareness about cycling, I’d like to think that TfL, Boris and the local authorities would be willing to do what they can to ensure more people take to their steel-horses each morning.

For the evening, at least, I was glad I wasn’t on my bike. A fine is the equivalent to eighty bus rides, no matter how unenjoyable or delayed.