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Home > Payday and Tranferred funds hit.

Payday and Tranferred funds hit.

July 15th, 2010 at 02:56 pm

Today was payday. Tuesday after work the check from the extra $ from the refinance was delivered to my door.

So today I checked my checking account and all the money I had moved from my smaller interest paying Savings account was in my checking, the check from the refinance was posted (with part of it pending) and my paycheck posted.

This means I just completed the transfers. I now have 3 months Emergency Fund in all three of the subcategorys. I also updated my savings amounts in the house repair fund and added the car repair/replacement fund to my sidebar.

I have not closed out my savings account that is only earning .65 yet. I am taking some advice and am planning on using that to put toward the Credit Card Bill that will come due on the 1st of Sept for the furniture I purchased. This way I can get some interest on the money until the bill comes due but I dont have the hassle of transfering it to checking then to my other savings account then back into checking to get .5 more interest for only one month. At this time between now and the credit card bill being due I need to come up with $1448.55. I am hoping that my retirement change will hit on the first of the month so that will account for $700 leaving only $748.55. Between the Rummage Sales and whatever else I can think of I think I can come up with that before the 1st of September.

I need to send my auto insurance an accident avoidance certificate so I can get a discount. I took the course yesterday so It is not like I am delaying that too much. I also need to look at my policy. My policy renewed on the 8th. It is the first renewal since the divorce so I want to shop around. When I first got married my rate spiked because of my husbands bad driving history.

I think that due to this my rate might still be overly inflated. So I need to call around and get new quotes. I have been with this company for 10 or more years but it is time to see if I can shave some money from the bill. Due to my XH bad driving history it was much cheaper to stay with them then to go elsewhere but now that he is no longer a issue I think it is time to recheck rates.

On a personal note. My DS is spending time with XH so I am not having to pay daycare costs. When packing for the trip I did not pack DS a stuffed animal because I figured it was a small thing that XH could buy him to make the visit extra special. Well of course XH doesn't or won't so I order him one online. I selected next day delivery but Fed-Ex took forever at one point the note was that they tried to deliver it to the wrong address.

Total spent was $26, I was expecting it to be small. Yesterday he got it and the thing is BIG. I got texted a picture of my son holding it and I was surprised by how BIG it was. My son had a Huge Smile, so I continue to realize that I know my son very well. The cost of the item was $13.88 plus shipping. I think it was worth the $26. My son is now no longer homesick. When he misses his mommy (ME) all he has to do is give his present from me a hug. So I think the $26 spent is going to keep DS happy this last week and so $26 saved me $130 in daycare.

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