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Showing posts from January, 2016

2016 so far ...

So far not off to a great start. I misread a letter from the student loan company and was $4 short for one of my payments. I started off the new year with a $45 NSF fee in my "no-fee" account. It was a really stupid mistake, since the line of credit they granted me is sitting there unused, and I could have transferred an extra amount from there just in case ... could have, should have. The mistake will eventually be forgotten, but not my grudge against that bank. I have already pulled almost all of my money from it to use another no-fee bank that is serving me much better.

It felt great to end 2015 with all my bills paid, thanks to the "Xmas Saving" account I set up, where I deposit a small amount each month to cover December (extra) spending. However, I forgot to leave a little bit in there to visit a friend before New Year's, and ended up having a larger than expected credit card bill to pay in January. So I'm playing a bit of catch-up this month and not …