Forget cash stuffing! Contactless cards are best for 予算ing, says Bank of England

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When it comes to managing your money, the received 知恵 is that it is all too 平易な to overspend by making 'contactless' 支払い（額）s.

簡単に （電話線からの）盗聴 a card, the thinking goes, does not feel the same as 手渡すing over real money.

It has long been thought that if you want to keep a lid on your splurges, then you should stick to hard cash.

But a new 熟考する／考慮する by Bank of England 研究員s 示唆するs contactless may be best for 予算ing after all. It is an idea many of us will find 反対する-intuitive.

Theory: A new 熟考する／考慮する by Bank of England 研究員s 示唆するs contactless may be best for 予算ing after all

The new theory is that people find it simpler to keep 跡をつける of contactless spending because every 購入（する） is 記録，記録的な／記録するd on their banking app.

In fact, the 経済学者s 設立する that many people now consider whatever they buy with cash to be '解放する／自由な'.

This is because of a belief that they spent the money when they took it out of the cash machine and not when they used it to buy an item.

This fallacy, the 研究員s say, is one example of 'girl maths'.?

This is a tongue-in-cheek 現象 on social マスコミ 場所／位置 TikTok where people ? not just young women ? come up with (a)手の込んだ／(v)詳述する justifications for extravagant 購入（する）s.

Girl maths is 広範囲にわたって mocked, but the 報告（する）／憶測 示唆するs that 充てるs might be on to something.

The opposite approach is old-school 'cash-stuffing' where people put actual banknotes into envelopes or jars and use them for 明確な／細部 目的s such as 支払う／賃金ing 公共事業（料金）／有用性 法案s.

Four out of ten adults 調査するd last year believed contactless 支払い（額） was the best way to manage their money, compared with a ４半期/4分の1 who favoured the use of cash.

The 熟考する／考慮する was published on the Bank 地下組織の blog, which is written by 経済学者s at the Old Lady, but is not an 公式の／役人 出版（物）.

It said apps that could analyse people's money habits are a powerful 予算ing 道具.

The 報告（する）／憶測 明言する／公表するd: 'After all, for some of us, nothing makes you realise you are overspending like learning that you 階級 の中で the 最高の，を越す 5 per cent of your bank's 顧客s ーに関して／ーの点でs of Pret spend.'