Getting your hands on cash

[Tommyp63]

For those punters with long term GF or wives and shared bank accounts, punting funds can be tricky.

Cash is king - and for me, in today’s digital world, regular ATM withdrawals can raise questions. Thought I would share some methods I have of acquiring cash here & there. Some of these require more set up than others but YMMV.

For me they fall under 2 main categories;

1. Plausible reasons/excuses why you are withdrawing cash from a shared account
2. Getting cash on the side another way

Here’s some excuses/reasons why you may withdraw cash. I find that sometimes, I just withdraw a little extra for the proper purpose (pocketing the difference) and sometimes, I just withhold the lot:

1. Want to buy something on gumtree/facebook marketplace. Either you actually buy it (for cheaper than you withdraw, pocketing difference) or say someone else jumped in and bought it, the seller is mucking you around etc. Keep the lot.
2. Mention a few times that you are sick of paying credit card surcharges and want to start paying for things in cash
3. If you go to the pub, withdraw some money and say you wanted to have a go on the pokies. Whether you actually play or not is up to you.
4. If there is a wedding, birthday etc coming up - say you’ll give cash. Withdraw a little extra and let her assume you’re giving the lot
5. Show a genuine interest in getting legit massages. Perhaps visit a few proper places and pay on cc. There is a place near me, however, that charges much less if you pay in cash and forego HICAPS - say you want to save some money and pay cash. Bonus - explains coming home smelling like massage oil
6. Find some other business that is cash only. Takeaway shop, barber etc. Rare, but they exist. Either withdraw cash, buy the thing and pocket the difference or pocket the lot.
7. If you’re going to the races or casino, hell Melbourne Cup sweeps - cash in and get cash out
8. If you have a tradesman come around - offer to pay in cash for a discount. Again, withdraw a little extra

Finally - Here’s some other ways I’ve thought to acquire cash aside from an ATM - again, some harder than others:

1. If dining in a group setting - offer to pay the bill on my card and others may give cash for their share
2. Receiving as birthday/Christmas presents
3. Selling items second hand, eg even gift cards at a discount (can get these through surveys etc)
4. Return & earn 10c cans
5. Open a separate bank account and siphon money there somehow
6. Do a side hustle for cash - dog walking, handyman work, ironing etc

Any other ideas share away!

[GoldfishMan]

Honestly I wouldnt even punt if I ever found myself in that situation. Think about it. You're in a relationship with a controlling woman, you've setup a joint account with her, you're letting her watch over that account like a hawk. You got into that relationship and you're staying in it. All of the above were conscious decisions that you've made. You deliberately put yourself in that position.

So why not just consciously, deliberately NOT punt? It's probably the easiest thing to do after all the effort that you've put in.

[carmen farquis]

Get into conspiracy theories and say you don't want anyone knowing what you spend your money on.
If the bank starts questioning why you're taking out so much cash tell them because they charge fees every time you pay by card.
On November 11 they saying only pay cash and no online purchases to protest digital id

[putsputs]

For those punters with long term GF or wives and shared bank accounts, punting funds can be tricky.

Cash is king - and for me, in today’s digital world, regular ATM withdrawals can raise questions. Thought I would share some methods I have of acquiring cash here & there. Some of these require more set up than others but YMMV.

For me they fall under 2 main categories;

1. Plausible reasons/excuses why you are withdrawing cash from a shared account
2. Getting cash on the side another way

Here’s some excuses/reasons why you may withdraw cash. I find that sometimes, I just withdraw a little extra for the proper purpose (pocketing the difference) and sometimes, I just withhold the lot:

1. Want to buy something on gumtree/facebook marketplace. Either you actually buy it (for cheaper than you withdraw, pocketing difference) or say someone else jumped in and bought it, the seller is mucking you around etc. Keep the lot.
2. Mention a few times that you are sick of paying credit card surcharges and want to start paying for things in cash
3. If you go to the pub, withdraw some money and say you wanted to have a go on the pokies. Whether you actually play or not is up to you.
4. If there is a wedding, birthday etc coming up - say you’ll give cash. Withdraw a little extra and let her assume you’re giving the lot
5. Show a genuine interest in getting legit massages. Perhaps visit a few proper places and pay on cc. There is a place near me, however, that charges much less if you pay in cash and forego HICAPS - say you want to save some money and pay cash. Bonus - explains coming home smelling like massage oil
6. Find some other business that is cash only. Takeaway shop, barber etc. Rare, but they exist. Either withdraw cash, buy the thing and pocket the difference or pocket the lot.
7. If you’re going to the races or casino, hell Melbourne Cup sweeps - cash in and get cash out
8. If you have a tradesman come around - offer to pay in cash for a discount. Again, withdraw a little extra

Finally - Here’s some other ways I’ve thought to acquire cash aside from an ATM - again, some harder than others:

1. If dining in a group setting - offer to pay the bill on my card and others may give cash for their share
2. Receiving as birthday/Christmas presents
3. Selling items second hand, eg even gift cards at a discount (can get these through surveys etc)
4. Return & earn 10c cans
5. Open a separate bank account and siphon money there somehow
6. Do a side hustle for cash - dog walking, handyman work, ironing etc

Any other ideas share away!

I like your determination for using return and earn cans to finance your punting.

[dewayne]

Wow yeah that's a pickle to be in for sure. In my situation we've maintained separate accounts with just a shared savings that we both throw extra into once in a while so I'm basically free as a bird compared to that.

Of the ideas presented I think the pokies one is actually probably the safest. But then again, telling your SO that you've been putting that much into pokies might raise a different kind of issue.

Personally I have tons of vices but I feel blessed that gambling has never been one of them. I feel for those struggling with it. Hard when they're around most corners in city centres.

[jsw1888]

Key is establishing a seperate bank account, your slush fund essentially.
Or get a new wife

[justincase]

Get a second job.

[Tommyp63]

Honestly I wouldnt even punt if I ever found myself in that situation. Think about it. You're in a relationship with a controlling woman, you've setup a joint account with her, you're letting her watch over that account like a hawk. You got into that relationship and you're staying in it. All of the above were conscious decisions that you've made. You deliberately put yourself in that position.

So why not just consciously, deliberately NOT punt? It's probably the easiest thing to do after all the effort that you've put in.

Thanks for the relationship advice. At the risk of getting off topic I think there’s a pretty big line between “controlling” and “why are you suddenly withdrawing $300 cash every week or two”. She buys stuff she wants, as do I. The point of this thread is specifically about cash. How to get it in ways that don’t raise eyebrows, when 99% of all transactions are done with card and has become the norm

[Tommyp63]

I like your determination for using return and earn cans to finance your punting.

Turning cans into other… cans lol

[Tommyp63]

Wow yeah that's a pickle to be in for sure. In my situation we've maintained separate accounts with just a shared savings that we both throw extra into once in a while so I'm basically free as a bird compared to that.

Of the ideas presented I think the pokies one is actually probably the safest. But then again, telling your SO that you've been putting that much into pokies might raise a different kind of issue.

Personally I have tons of vices but I feel blessed that gambling has never been one of them. I feel for those struggling with it. Hard when they're around most corners in city centres.

Agreed, the pokies one is plausible within reason, but if you’re withdrawing hundreds of dollars regularly (and never winning) it raises problems on its own

The key for me is exploiting a little bit at a time and after ~2 months I punt.

If you need to punt every week or two, you need a better system for regular cash. I agree

[RandyHandsome]

Do it at woollies so it doesn't show as cash

[Tommyp63]

Do it at woollies so it doesn't show as cash

I haven’t tried woolies but I’ve done this at both Coles & a servo when getting petrol, both times my bank noted it as a cash withdrawal. Do you think it’s a Woolies thing or something with my bank?

Otherwise this is a great strategy

[Nabstinks]

As others stated just go Woolies.

Make a purchase like normal when grocery shopping and you can select the option to pay by card and cash withdrawal together.

It only ever comes up on my anz statements as a purchase from Woolies, never a separate cash transaction.

Or you can just go to the register and ask them to do it there too.

[aussiegaigin]

I like your determination for using return and earn cans to finance your punting.

So he might be the guy who comes around at night ratting through our garbage bins.

[AJJ]

Do it at woollies so it doesn't show as cash

Mate its the bank 🏦. My Commonwealth shows it separately no matter where i withdraw yet my ANZ incorporates it as 1 total sum.

[Nelly69]

LOL, returning cans as punting fund...

Everytime you hand over a pineapple, you will be thinking, that's 500 cans of work....

[DrFeelGood]

Cash out at the servo. Although I think there is a limit now or it’s no longer possible.

Open another account where you transfer to and say its a mate borrowing cash or paying back a loan

[Wlso]

Are your spending accounts combined as well?

[AHLUNGOR]

How many of you have had dinner in an Asian or Chinese restaurant which will offer a 5% to 10% discount if you pay by cash ?

On the other hand, most places where you are paying your meals by tapping or cards, you will be charged an additional 1-2% credit card fees. you can do the sums. it will be a minimum of 6% savings on your bill if you pay by cash. explain that to your other account holder and you should be able to gradually build up a little punting kitty on the side.

Also, go play some pokes, go casino or to the TAB and just use cash and don't disclose EVERY TIME you win, and of course, if you win BIG, you only win little......lol


Good luck,

Cheers'

[jimh6932]

I like a drink, and cash in my cans and bottles whenever the big box I dump them into gets full. Even at that rate, my best return was around $25, just after last Xmas. If i was rely on that to fund punting, I would go celibate.

For the record - middle aged, no-one to hide any transactions from.

Good luck!

[Punt2Win]

Go take something of value to a pawn shop and leave it as collateral in exchange for a cash loan.

[GoldfishMan]

Fuck this is depressing. Might as well be begging on George St for spare dollars. Wtf, where's the self respect?

[Bangers1111]

I am friendly enough with some WLs to transfer the money and they give me cash....they generally have plenty of it. I would just say a lent my Chinese/ Asian friend at work some cash until pay day or something like that. But yeah, having a separate account is definitely the way to go.

[madness123]

This explains armed robberies at servos

[MrPB]

Always one of those things where if it isn't your partner asking the questions, it's the bank, and if its not the bank, its the ATO.

I just withdraw in bulk every now and then, serves as a good budget tracker and can be used on smaller businesses or marketplace.

[nosytt]

I'm allowed to blow $300 a month on the pokies, that night determines my next punt.

[Wlso]

I'm allowed to blow $300 a month on the pokies, that night determines my next punt.

Sounds like your getting fucked either way lol

[justincase]

Why do men feel like they have to tell their partner what they’re doing with their money??? It’s your money and you do what you want with it. Your “woman” does not need to know anything about your money.

Let’s face it MOST women sponge off men anyway so they should be thankful for the handout and keep their greedy prying eyes away from men’s bank accounts.

You give them a credit card so they can “drain you” and leave it at that. The rest of your money is none of their business.

[HiredGoon]

Why do men feel like they have to tell their partner what they’re doing with their money??? It’s your money and you do what you want with it. Your “woman” does not need to know anything about your money.

Let’s face it MOST women sponge off men anyway so they should be thankful for the handout and keep their greedy prying eyes away from men’s bank accounts.

You give them a credit card so they can “drain you” and leave it at that. The rest of your money is none of their business.

This thread is pretty sad but you are sadder.

[RogerWood]

I think its easier for tradies. A couple I know do work for cash, not sure if they use a portion of it for punting but they could easily tell the partner they got paid 500 when in reality they got 800. Still not a huge amount to play with but I guess its possible.

[justincase]

I’m leaving.

Hope that alleviates your sadness.

400

[schloong]

Cash has always been King for me. While I do the usual "Tap n Go" transactions occasionally, I prefer cash most of the time.

Each fortnight (payweek) I get a a fairly large sum from an ATM & keep in my safe at home to use as I need it. Works for me...

[putsputs]

So he might be the guy who comes around at night ratting through our garbage bins.

I should label the bins "reserved for Tommyp63". Help my fellow punter out

[doubles]

We have a joint account for the majority of bills. I put $300 a week into it for "housekeeping". I pay the mortgage and home insurance from my account. My awesome boss pays me any overtime in cash. I also buy and sell bicycle parts and do bicycle repairs for cash. We have a "purple bin" system in Southern Sydney. $60 to get setup and then they do the return and earn for you, not a big earner but it all helps. I am always scrounging for extra dollars.

[AHLUNGOR]

Why do men feel like they have to tell their partner what they’re doing with their money??? It’s your money and you do what you want with it. Your “woman” does not need to know anything about your money.

Let’s face it MOST women sponge off men anyway so they should be thankful for the handout and keep their greedy prying eyes away from men’s bank accounts.

You give them a credit card so they can “drain you” and leave it at that. The rest of your money is none of their business.


Hi there, just in case you are not aware, they are not talking about just a partner or girl friend, but the wives they are married to, with whom you share the house, the kids and everything you own, whether she has contributed into that or not, it's the law and how family life is build around. the Mrs has every right to check on the joint account and check your credit card statement etc. whether she does it or not is a different story.

Cheers

[cplurt2]

I grew up poor so I established early on id always have a few hundred on me in cash at all times. If it ever spiked like when my son made a comment once I had like 500 on me I'd jokingly say it's my cocaine and hookers money. All lies have an element of the truth and since I don't do blow.... I was admitting what it is just they thought I was kidding

[Ecchi]

Become the guy that pays everything in cash. Say restaurants and shops give discounts for cash

[Danny Dabbles]

Thanks for the relationship advice. At the risk of getting off topic I think there’s a pretty big line between “controlling” and “why are you suddenly withdrawing $300 cash every week or two”. She buys stuff she wants, as do I. The point of this thread is specifically about cash. How to get it in ways that don’t raise eyebrows, when 99% of all transactions are done with card and has become the norm

Tell her your addicted to cocaine. a bags around $300 every week or so

[justincase]

Hi there, just in case you are not aware, they are not talking about just a partner or girl friend, but the wives they are married to, with whom you share the house, the kids and everything you own, whether she has contributed into that or not, it's the law and how family life is build around. the Mrs has every right to check on the joint account and check your credit card statement etc. whether she does it or not is a different story.

Cheers

What law says your Mrs has the right to check
your bank account? Hell would have to freeze over before I let any woman know anything about me. They’re all greedy, money hungry and even if she is Miss World she’s seeing nothing.

[justincase]

Become the guy that pays everything in cash. Say restaurants and shops give discounts for cash

You go out to dinner with a group of friends then get them to give you the cash and you put it on your credit card. I don’t do this but saw it happen recently.

[Wlso]

Tell her your addicted to cocaine. a bags around $300 every week or so

Problem is she may want to join in and then you’re spending $600 a week instead

[Skegg]

I like your determination for using return and earn cans to finance your punting.

I was wondering who's been scavenging my recycle bin in the wee hours!

[Itskens112]

I wrote an app that debited cash out of my account every month. it deducts as a "license fee" like a proper business.

That $$$ just goes to a random debut card (like revolut) that my gf has no idea about.

Can share details if needed

[Ecchi]

You go out to dinner with a group of friends then get them to give you the cash and you put it on your credit card. I don’t do this but saw it happen recently.

That’s a good one too I’ve used a few times

[EricShawn]

I wrote an app that debited cash out of my account every month. it deducts as a "license fee" like a proper business.

That $$$ just goes to a random debut card (like revolut) that my gf has no idea about.

Can share details if needed

This is clever haha. You seem to come across as a dedicated punter

[Danny Dabbles]

Problem is she may want to join in and then you’re spending $600 a week instead

Small price to punt. Sounds like it'll be the least of OPs problems

[Wlso]

Small price to punt. Sounds like it'll be the least of OPs problems

True, there’s money well spent and well, money spent

[RodgHerMoore]

In news today they said use of cash is stable the past few years. Thought of all you fellow creeps when I saw the piece! Lol!

Of course I use cash for punting well as groceries at paddy's markets.

Increase in number of RnTs is definitely sustaining cash usage !

[tkicks]

Sorry I have to chip in here. I'm not saying we have to go back to the 1950s when husbands ruled the house, but anyone who has relinquished their autonomy to the point that they get audited on their relatively minor spending by their wife has really taken a wrong turn somewhere in life and should retrace their steps and fix it... whatever the cost... otherwise you are trapped in a living death. The only exception would be if you are one who lets her earn all or most of the money and are leeching off her...if that then fair enough that's part of the deal

[maguro]

Negotiate with the ML/WL for payment in kind instead of cash for service.

Ask to wash her car or mow her garden or drive her kid to shcool or take care of her old mother instead of having to pay her cash.

[Veets]

I’d start learning the art of not punting so often . Maybe every 4 weeks and choose wisely and walk the other way when they don’t match the description. Keeping a minimums cash float and when making purchases do a lil cash out if they store can do so

[Tommyp63]

For all those on their high horses with the "you should be able to spend money or withdraw cash with no questions, you've married a detective" lines, appreciate the advice but I didn't start this thread on Aus99 for marriage tips.

Some gfs/wives have no fucking clue about money. Others do

[ColesBag]

Always use cash for a punt. Don't withdraw it from the same suburb you're punting in either.

[Blackie]

Open s side account, set the postal address for your work place. Every workplace allows you to split your pay between 2 different bank accounts.
After doing this, start salary sacrificing into super, this explains less $$ going into the joint account. If you go $150 into salary sacrifice, the reality is only do $75, the other $75 goes into the side account.

Personally I get all my pay into my own account and transfer to the Joint account, I always carry and use cash for almost every purchase I make. Cash is King and I don't want it to disappear, that's why I use it, its also the reason I give when questioned why I have so much cash in my wallet. As soon as we have the next banking shutdown where people can't access their money eg Efpost network goes down, use this as your excuse to switch to cash.

[HiredGoon]

Borrow it from wls.

[nosytt]

Use afterpay and explain you're buying tickets to shows on ticktek to take them too

[Dagwood]

Some innovative ideas here.

There was a work mate having this cash punt problem, where He would do a PayPal transfer to my PayPal and I would slip him cash.

Said his account only showed online payment.

[GoldfishMan]

Just thought of a scene from an old movie Reality Bites. Winona Ryder's character ended up with no cash and only a CC in her hands. So she goes to the bowser and waits there. She pays for people's fuel with the CC in exchange for cash (I think at a certain discount to make it worth their while?).
Maybe OP can do something like that.

[Punter69123]

Lol , you are man of house mate. Tell your wife that you are withdrawing cash to have fun with your bros. Its your money, you are not stealing, be a man.

[NightShift]

Its Cash Out Day tomorrow.

would be the prefect time to use that money to go to the shops.

[Seafood]

So much effort, just don’t punt. Bit of a sad case

[GoldfishMan]

Fucken depressing to see. But it is a lesson for all of us to learn from. He's basically done himself up, he got it upside down. The arrangement between them should've been shared account for spending on shared costs only and MAYBE an agreed amount they wanted too save together. There must be a limit. It can't be every dollar he earns goes into that account. That's just crazy.

This goes on like this, the least of his worries would be punting cos a relationship can go south anytime. Really put himself at risk here seriously.

[ekafonk]

Pls share details. Are u able to pm me?

[ekafonk]

I wrote an app that debited cash out of my account every month. it deducts as a "license fee" like a proper business.

That $$$ just goes to a random debut card (like revolut) that my gf has no idea about.

Can share details if needed

Pls share details - ca. you pm me?

[maguro]

Fucken depressing to see. But it is a lesson for all of us to learn from. He's basically done himself up, he got it upside down. The arrangement between them should've been shared account for spending on shared costs only and MAYBE an agreed amount they wanted too save together. There must be a limit. It can't be every dollar he earns goes into that account. That's just crazy.

This goes on like this, the least of his worries would be punting cos a relationship can go south anytime. Really put himself at risk here seriously.

Having joint accounts with my wife is the best decision I've made. It restricts my punting.

Our joint accounts consistenly holds well over $200,000 cash in total.

If I have unrestricted access to it I would have wasted more money in massage parlours.

Thanks to us the Mamasans and Papasans are driving posh cars.

I say no more.

[maguro]

So much effort, just don’t punt. Bit of a sad case

That's the root of all evils.

Curb it at the source and we'll be cash rich.

For that I preach self-abstinence, faithfulness to the partner, healthy hobbies and deep meditation.

[holi_day]

Go drive Uber on the weekend and set the income to a separate account

[RogerWood]

Go drive Uber on the weekend and set the income to a separate account

My wife would review the earnings of uber (esp if sending funds elseweher) and probably say why are u doing this, go and get a mine job or truck driver.. im not familiar with how much they earn, but guessing not a fortune. Would be good if she was dumb, but unfortunately she is smarter than me and would probably catch me out.

[bung72]

Pre-paid visa cards? I used these a bit here and there before I worked out a little funds siphon.... they worked well - you can grab them at Officeworks etc.....

[ThaiHard2]

Fucken depressing to see. But it is a lesson for all of us to learn from. He's basically done himself up, he got it upside down. The arrangement between them should've been shared account for spending on shared costs only and MAYBE an agreed amount they wanted too save together. There must be a limit. It can't be every dollar he earns goes into that account. That's just crazy.

This goes on like this, the least of his worries would be punting cos a relationship can go south anytime. Really put himself at risk here seriously.

All my pay has gone into a shared account for 25+ years, offsetting the mortgage and investment. I'm not sure why you wouldn't pay all income from both sides of the relationship into reducing debt.
If I need money, I withdraw it. Do it regularly and always have cash in my wallet. Hell, her and the kids even help themselves to that cash when its needed.
At the end of the day, there is no mine and yours in a relationship its all ours.

[KakeyA]

Having joint accounts with my wife is the best decision I've made. It restricts my punting.

Our joint accounts consistenly holds well over $200,000 cash in total.

If I have unrestricted access to it I would have wasted more money in massage parlours.

Thanks to us the Mamasans and Papasans are driving posh cars.

I say no more.

Heck, I hope you guys have it in a high interest bearing account getting at least 5.15% at the moment

[Punt2Win]

Heck, I hope you guys have it in a high interest bearing account getting at least 5.15% at the moment

So less than inflation meaning a negative real return...better off investing it into a few punts before inflations chews it up.

[KakeyA]

So less than inflation meaning a negative real return...better off investing it into a few punts before inflations chews it up.

I’m not the one boasting about having $200 k in a bank account but inflation is now 4.4% after Jim & Albo spent tax payers money or reducing the excise tax on fuel.

I’m all for spending money on punting, after all, isn’t that what this forum is about isn’t it?

[1inchguy]

If anyone interesting in saving energy and switching to Ovo I have referal code for $180 off for 12 months. Let me know so I can share link . Thanks. Happy punting