Money Matters
Dec. 14th, 2012 03:50 pmToday is payday. Well, it's actually tomorrow but since that's a Saturday, my pay was deposited today. TGIF indeed!
This pay was larger than usual since I've maxed out on all my deductions and a tonne of office expense reimbursements have come through. In a flurry of bill-paying, I'm delighted to report that all of my credit cards have a zero balance.
I had my cards wiped out about two years ago but that was shot the moment our furnace died. And just when I was within a hair of wiping out that balance, my car needed a lot of expensive work. And just when that was nearly paid off, we went to the IAGSDC convention. And just when that was almost zeroed, it was time for our trailer lot lease at the campground. And so on. Many times the balance has been less than $100 --nearly paid off but not quite-- and something nasty happened. Today, nothing nasty has happened.
I plan to keep my cards as clean as humanly possible --I will be using my debit card & cash more regularly-- so we can focus the extra spare cash to the credit balances of![[profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
cuyahogarvr and kent4str.
In other character-building resolutions, I've opened a personal savings account. While we have a joint savings account for household expenses into which windfall sums have occasionally been deposited for emergencies, I thought it wise to open my own account and make automatic transfers from each paycheck against rainy days, toys and all things chocolate. For example, new laptop is in my near future, and possibly more weight-lifting equipment.
I do need to transfer more money to my Canadian bank account: if I increase my balance there, I'll qualify for no-fee checking, saving another $5/month in expenses.
This pay was larger than usual since I've maxed out on all my deductions and a tonne of office expense reimbursements have come through. In a flurry of bill-paying, I'm delighted to report that all of my credit cards have a zero balance.
I had my cards wiped out about two years ago but that was shot the moment our furnace died. And just when I was within a hair of wiping out that balance, my car needed a lot of expensive work. And just when that was nearly paid off, we went to the IAGSDC convention. And just when that was almost zeroed, it was time for our trailer lot lease at the campground. And so on. Many times the balance has been less than $100 --nearly paid off but not quite-- and something nasty happened. Today, nothing nasty has happened.
I plan to keep my cards as clean as humanly possible --I will be using my debit card & cash more regularly-- so we can focus the extra spare cash to the credit balances of
cuyahogarvr and kent4str.In other character-building resolutions, I've opened a personal savings account. While we have a joint savings account for household expenses into which windfall sums have occasionally been deposited for emergencies, I thought it wise to open my own account and make automatic transfers from each paycheck against rainy days, toys and all things chocolate. For example, new laptop is in my near future, and possibly more weight-lifting equipment.
I do need to transfer more money to my Canadian bank account: if I increase my balance there, I'll qualify for no-fee checking, saving another $5/month in expenses.
