Today most everyone has a smartphone in their hand and you can use them to pay your bills as well as paying your friend back for lunch with a few clicks of your finger.
It’s seldom these days to find people with extra cash in their pockets and while you have a credit or debit card to pay at most retailers, it’s good to have a backup in the times you don’t have your card or need to pay an individual that doesn’t take card payments.
If you’re at a retail store that accepts electronic payments you can just tap your phone and use your electronic payment options.
If you need to pay your friend, you can send them a text through apps like Apple pay or cash through another cash app like Venmo.
Be sure you pay attention when sending the money however since there are many people with similar names and you don’t want to send it to the wrong person.
You also need to be aware of scams like a popular one going around where someone will tell you they sent you lots of money accidently and need you to refund it. If you’re in doubt, always call your bank to check it out since most times you will not be able to get a refund if you later find it to be a scam. Most money apps will refer you to look to be reimbursed on your own.
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