Not me! But I just was doing some transfers and stuff since all the bills are paid for the 1st 1/2 of the month. Looking at what I have left and how much I needed from short-term savings for my $3k bills due soon - property taxes and insurance. & updating Quicken since it had been a few days. When I see a $5 charge from my bank. WHAT???? Digging deeper I find a $125 check that I received has bounced. I am beyond p.o.ed, because my Moms group is having a Christmas party at my community Clubhouse. I sent in the check ages ago and it took forever to get my $125 reimbursement. I waited until my paycheck to cash it so even then I waited another week or 2 before depositing it, and yet the lady does not have the funds to cover it. Bah!

Usually these kind of things always happen at the worst time, but luckily I had not gotten around to paying my credit card bill yet. I just wanted to pay the old one off which would be maybe $1400, but with this I only had $1300 left in my account. So I paid $1300 and will still have to pay a little next month. Fine since a couple of automatic charges I saw had been added. Will probably have a couple of months of charges until we move everything over. But I am just beyond peeved. Yet grateful nothing bounced. I usually run my checkbook balance to 0, but frankly my balance never really dips below $2k. I input all my online bill pays when I enter them, but maybe they aren't due until the end of the month so that is when I set them to be paid. I always pay my mortgage after the end of the month just as float though the money is there well before the end of the month. I am starting to think that maybe I should get a checking account with interest. I always thought why bother since I keep it at 0 overall. But just the other day I was looking at my balance and I realized it had not dipped below $2k in the last 2 months. Wow! The thing is my bokkeeping system is complicated enough without having to figure out how to have my book balance be 0 and my bank balance keep the minimum. Too complicated. Why I won't switch to interest-checking. Just how it is working out for now.

Anyway, decided how much money I had and needed for my lovely $3k in bills and decided I could add another $100 to savings this month. I didn't need it ALL - woohoo. My goal is to get that sucker up to $6k by year-end.

I told dh I had wanted to make some early payments on our personal loan and he talked me out of it. So we may be building up our savings more in the meantime. The power of interest - he convinced me. I need constant convinving - I swear. I hate having open debt - Bah! We will have this conversation 10 more times before it is paid off - I swear. I told him we would have it paid off May no matter what - which is early - and he doesn't mind. But he has the point - what difference does it make in the end if I make extra payments in the meantime - either way it's all the same. So you pay off more towards the end, you earn more interest in the meantime. & he is right! Either way just a few more months!!!