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Hey all! Head over to the 133rd Festival of Frugalities: Bare Necessities Edition to see myself, and many others, highlighted this week with some great money saving tips!
On a side note, I am angry at myself. If you don’t already know, I’m on unemployment while looking for a job (with little success, what with Michigan being the highest unemployment state and all) and I have to call into the state every two weeks on Tuesday morning between 8-9am to state that I am still not working and whatnot. Today? Is Tuesday. I was supposed to call. I fell back asleep after my husband left for work and woke up at 9:02. My first thought was, “Oh, crap!“knowing that I had missed my set time. I called anyway, to no avail.
It wouldn’t have been such a huge deal except I had bills planned around this check being mailed and in my hands by Thursday. Without it, we would be overdrawn on the checking account when the car payment ($312) comes out on the 10th. Now? I have to wait until Thursday morning to call and request my check, which means it will hopefully be here by Saturday. In the meantime, I had to transfer $130 from my line of credit with my local credit union to cover what would be overdrawn and avoid a $25 overlimit fee. All my savings is in HSBC online banking right now* and would take a few days to get here and probably wouldn’t make it in time. So I will transfer the $130 back to my line of credit once my check gets her Saturday, but still…
Definitely a lesson learned. The early bird gets her check, the lazy one gets to dance around and try to avoid overlimit fees.
* Note: The reason I put all of our savings into our online banking is simple. 1) better interest rate, duh. 2) I’m trying to avoid becoming dependent on knowing I have money in my credit union savings that I can just do what I want with whenever I want to. I was in the habit of always transferring money in and out and in and out as I needed to. This is hopefully going to push me to become more aware of what is going on and follow the budget more strictly. As you can see…I’ve already learned a lesson from it. *smacks self*
