My visa card was declined last week as I was attempting to pay for some food for my dinner. Fortunately I was in a shop where I was known and I was allowed to walk away with the promise of payment the next day.
The moral of this story isn’t that it’s better to not spend everything at the beginning of the month and then live on credit at the end (though it isn’t, my mother would be appalled if she knew) or that buying smoked salmon for a mid-week supper is shockingly decadent (possibly it is and my mother would again be appalled if she knew) but that my local shop knew me and trusted me enough to return. This naturally made me feel all village-y and warm.
So although I don’t advise practising my financial bad-planning and testing this out in your local shop, I do advise you get to know your favourite local shopkeepers because disasters befall us all and it’s nice to know there is someone out there who can help us out the sticky stuff.