alexbeetle wrote:
I arrange everything through online banking so the money goes in and the bills go out and I don't have to remember what is to pay or have the money in my hands to waste. I have two bank accounts one for bills and one for me, I set up standing order from the main bank out for how much I am allowed to spend and have a bank card only for that account to take the money out but most everything is bought online anyway including groceries and pizza.
I like this idea... maybe someday I'll even try it!
I shouldn't have a bank card though. I balance my checkbook about once every 4-6 months.
I can keep a rough idea of what I have in the bank and what I'm spending, but I get 'danger close' sometimes!
My biggest problem... well one of my biggest problems with money is that I tend to lose my bills in the piles at my house.
I have a special plastic tray to hold my bills, but somehow they don't all wind up there
After the second or third overdue notice, I finally get my act together and pay them... or else I have to reinstate things and pay a fee to do so (I've done this with my insurance policies... cancelled, pay $50 to be reinstated, over & over again).
I do tend to buy things without thinking about if I really need it or not.
I'm getting better at this though... not doing it, that is.
I have never had the 'feelings' about money that other people around me seem to have.
I don't panic when money gets tight, I think nothing of giving money away or buying things for other people when I think they need it, and I don't worry so much about my financial future even though I'm told I should.
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