The demise of Discount

TAFKAT said:
That was always my understanding. Don't use Revolut here either, and the teenagers are funded with cash, apart from my own aversion to technology I think it gives them a better grasp of the idea of money as a real thing rather than some kind of abstract concept on a screen.
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That is a very real problem that people are bringing on them selves .
Go out with €xxxx in your wallet , and its patently obvious what you spend in the night .
Pay by card , and it can creep into big money .
No mon , no fun .
 
Young lads revolut card had a Lithuanian iban, i couldn't transfer money to it on aib app as it was an international transfer,,so had to send it to daughter's revolut and her send it on. Total messing. Canteen in school dont accept cash. It's a card you've to top up that has been lost twice this year already
 
whelan1 said:
Young lads revolut card had a Lithuanian iban, i couldn't transfer money to it on aib app as it was an international transfer,,so had to send it to daughter's revolut and her send it on. Total messing. Canteen in school dont accept cash. It's a card you've to top up that has been lost twice this year already
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Is the canteen run by the school or is it a private enterprise?
 
jay gatsby said:
Absolutely, the level of financial literacy in ireland is one of the lowest in the world and it can only get worse for younger people as the direct connection to money is long gone now


I think i said it here before but once or twice I've moved to 100% cash for day to day expenses.a week or two handing out 50 quid notes and going to the atm would open your eyes to what you're really spending. Frightening
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jf 850 said:
That is a very real problem that people are bringing on them selves .
Go out with €xxxx in your wallet , and its patently obvious what you spend in the night .
Pay by card , and it can creep into big money .
No mon , no fun .
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I had occasion to visit a public house lately that I had never set foot in before. I ordered a pint, the girl behind the counter in probably her mid-20's and obviously a regular fixture asked me was I paying by cash or card. I said cash and asked how much, she said she didn't know, she thought €6.20 but she would find out. Came back and said €5.60, fine, handed her a tenner and she took out a calculator to work out the change due. Next pint same again, cash or card, I gave her 3 €2 coins and the calculator came out again. I noticed over the course of my stay that I was the only one paying by cash, I was the youngest customer in the place by a good bit and everyone else was paying by either card or phone. The two things that struck me were the complete lack of interest the girl had in her job if she didn't even know the price of a pint of Guinness, and the inability to carry out simple sums in her head, which highlights the aforementioned lack of financial literacy.
I was in a much busier establishment the night after the All-Ireland hurling final and the small number of people who like myself were trying to pay with cash were causing absolute mayhem behind the counter, the staff just couldn't handle it, I don't think I got the right change back for any round I bought.
 
TAFKAT said:
I had occasion to visit a public house lately that I had never set foot in before. I ordered a pint, the girl behind the counter in probably her mid-20's and obviously a regular fixture asked me was I paying by cash or card. I said cash and asked how much, she said she didn't know, she thought €6.20 but she would find out. Came back and said €5.60, fine, handed her a tenner and she took out a calculator to work out the change due. Next pint same again, cash or card, I gave her 3 €2 coins and the calculator came out again. I noticed over the course of my stay that I was the only one paying by cash, I was the youngest customer in the place by a good bit and everyone else was paying by either card or phone. The two things that struck me were the complete lack of interest the girl had in her job if she didn't even know the price of a pint of Guinness, and the inability to carry out simple sums in her head, which highlights the aforementioned lack of financial literacy.
I was in a much busier establishment the night after the All-Ireland hurling final and the small number of people who like myself were trying to pay with cash were causing absolute mayhem behind the counter, the staff just couldn't handle it, I don't think I got the right change back for any round I bought.
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I was in dingle at the food festival last year, dish I got cost €14, I handed the girl a green back (that’s a €100 note to some of ye🤣) and she asked had I anything smaller like a 50, no says I, and out she takes her calculator 🤦‍♂️🤦‍♂️
 
TAFKAT said:
I thought all the Deis schools offered free lunches?
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they are free
our pairs school is getting them in years , was a crowd in longford doing our school intially and you certainly wouldnt want to have to pay for it. they got a new supplier and the food is a credit to them
 
Mf240 said:
I don't think people realise how annoying it is when you want to pay and they won't bother to make up the bill. And the same lads could be crying about not being able to get money in.
In theory if you make several attempts to pay and are unsuccessful you could draw a line under it
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Same headache with the same lads every year!!
 
A local An Post here and it’s fierce handy I have personal bank account with them. Can throw in cheques passing and they’re open Saturdays half day and can withdraw something like 2500 cash per day.

Their app is handy to use too.

I have a Bank Of Ireland business account and find it annoying. Don’t like the app. Name specific Ibans are annoying whereas AnPost suggest it.

Think max transaction limit for BOI is €1000 to be sent at a time.

I’m nearly tempted to open an an post or ptsb business current account. Or else aib but bank of Ireland aren’t great.
 
Our tyre man doesn’t like making a bill. Some local lads have bills with 15 years.

Father was getting fairly tired of it and hates to owe anyone anything. Landed a cheque what we thought was enough and he wasn’t long coming back then, another bit owing.

I was in a yard one day of a man who is well known for short arms and deep pockets.
He said same tyre man is very fast at sending on the bill.
 
Tekscrew said:
A local A Post here and it’s fierce handy I have personal bank account with them. Can throw in cheques passing and they’re open Saturdays half day and can withdraw something like 2500 cash per day.

Their app is handy to use too.

I have a Bank Of Ireland business account and find it annoying. Don’t like the app. Name specific Ibans are annoying whereas AnPost suggest it.

Think max transaction limit for BOI is €1000 to be sent at a time.

I’m nearly tempted to open a a post or ptsb business current account. Or else aib but bank of Ireland aren’t great.
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BOI current and business accounts here, find the online stuff very annoying, but from reading this thread I don't see anyone singing the praises of any of the competitors.
BOI transaction limit is only €1000 for new payees for the first 48 hours, it is €20,000 per day after that set automatically with an option to increase it as far as I can remember.
 
We would use the same agri supplier for 90% of our goods for the year. Would always agree a price for feed and fertiliser and anything else added onto the bill would always be given a discount when paying up. We pay whenever the sales rep is in the area and they know that. Would always get a few bits at Christmas too, food hamper, bottles of wine or bits of clothing with their branding on it, always appreciated as is our custom to them(at least they make us feel that way).

On the topic of banks, we're with AIB and I forgot my chequebook one day(my mistake). I wasn't able to pay for stock with my debit card, the limit is apparently €7000 per day which didn't cover my invoice. Anyone using a bank where debit cards can be used up to higher values? Would be interested to hear honest opinions.

Revolut is great for day to day bits and going for meals and pints with mates. Instant transfers and split bills is super handy, especially if there's a stingy fucker in the group😂 Also no fees for different currencies when abroad.
 
Mr.Sloth said:
We would use the same agri supplier for 90% of our goods for the year. Would always agree a price for feed and fertiliser and anything else added onto the bill would always be given a discount when paying up. We pay whenever the sales rep is in the area and they know that. Would always get a few bits at Christmas too, food hamper, bottles of wine or bits of clothing with their branding on it, always appreciated as is our custom to them(at least they make us feel that way).

On the topic of banks, we're with AIB and I forgot my chequebook one day(my mistake). I wasn't able to pay for stock with my debit card, the limit is apparently €7000 per day which didn't cover my invoice. Anyone using a bank where debit cards can be used up to higher values? Would be interested to hear honest opinions.

Revolut is great for day to day bits and going for meals and pints with mates. Instant transfers and split bills is super handy, especially if there's a stingy fucker in the group😂 Also no fees for different currencies when abroad.
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That is an interesting one in relation to the debit card. I have no idea what the limit is on the BOI one here, I would consider the card to be for petty cash purchases and maybe impulse buys so I suppose it is no harm to have a respectable limit on it. Anything above a couple of K would hopefully have a bit of thought gone into it and go through invoicing and electronic transfer. As Jay Gatsby alluded to earlier you would miss the cheque book at times for the simple fact that nothing focuses the mind on the figures involved more than having to physically write them out.
 
Mr.Sloth said:
We would use the same agri supplier for 90% of our goods for the year. Would always agree a price for feed and fertiliser and anything else added onto the bill would always be given a discount when paying up. We pay whenever the sales rep is in the area and they know that. Would always get a few bits at Christmas too, food hamper, bottles of wine or bits of clothing with their branding on it, always appreciated as is our custom to them(at least they make us feel that way).

On the topic of banks, we're with AIB and I forgot my chequebook one day(my mistake). I wasn't able to pay for stock with my debit card, the limit is apparently €7000 per day which didn't cover my invoice. Anyone using a bank where debit cards can be used up to higher values? Would be interested to hear honest opinions.

Revolut is great for day to day bits and going for meals and pints with mates. Instant transfers and split bills is super handy, especially if there's a stingy fucker in the group😂 Also no fees for different currencies when abroad.
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€5000 with PTSB per day.

It's not enough. You wouldn't bring much home from a mart with it these days.
 
Mr.Sloth said:
chequebook one day(my mistake). I wasn't able to pay for stock with my debit card, the limit is apparently €7000 per day which didn't cover my invoice.
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A dairyman’s card was not working and it turned out that he had so much money in his account it was jamming the machine. It was like trying to tip a load of stemmy single chop second cut silage that took a long time to fill and was compacted.
The back wheels were lifted off the ground and it still would not come out.
 
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