An interesting new trend being taken by small businesses is the practice of offering discounted prices to customers willing to pay in cash. This is not the same as paying “under the table”---rather, the store saves its merchant processing fees and passes those savings on to the customers. The idea is a good one in principle---paying in cash forces consumers to take stock of what they are spending as much as it saves stores from transaction(交易) fees.

　　Of course there are drawbacks to the plan. When people pay in cash, they tend to be more conservative with their spending since they tangibly(really) feel their money leave their possession. That will cause stores to lose profits because customers will think twice before buying high—margin “impulse” products at checkout whereas before they might not have thought twice before charging it. Increased volume of cash handling opens stores to loss through employee theft at the till(抽屉), not to mention controls that need to be put into place to count and deposit physical currency.

　　Our family has saved a fortune by switching to cash. When getting to the bottom of your change jar means no more purchase power until your next pay period, you really start to appreciate the fine art of merchandising(做买卖) and the expertise applied to make you want to buy more and more. Cold hard cash feels more organic, and helps us to appreciate the effort it takes to maintain our lifestyle.

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