what are these notes you speak of?
I rarely actually have cash on me anymore think group outings and the first Cpl of dates is the only time I carry notes now days and that's just purely because its more of a hassle a small % of the time in those situations if you don't have notes.
I'm still a bit old school.
I don't feel comfortable with less than around $30 in cash.
It used to be $100 so I have improved.
But a trip to Japan pushed me backwards.
But truly in Melb these days you can get around with just one CC and Myki and survive well most days with no problem - even a coffee in most places.
If we took a few lessons from Japan you could get around with just Myki.