Much and all as I think cash should be retained, I rarely carry any notes, just a few coins. Particularly a 10c to unlock those confounded chain locks on shopping trolleys. I was told a $1 coin was required, but I have found that 10c does work. Groceries, petrol, lotto, and anything else I buy are paid for by EFTPOS card. I don't buy much online, but when I do I use my credit card. Bills are paid by direct debit or Bpay.