Can't pay my cleaner with anything other than cash. Two days ago I had someone come to the door claiming that they were homeless and selling goods. He told me that he had no money at all and to be able to use a shelter for that night he needed cash. He might have been a bit more believable if he hadn't:
a) had a colleague doing the other side of the street with similar goods in his holdall.
b) said that if I didn't have any cash he'd take a cheque.
Quite how he was going cash that cheque before going to the shelter I don't know given it was six o'clock when he rang my door bell. For the record I do donate to homeless charities and not individuals, after reading up on the subject and some advice.