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Because things are more true once they're said aloud. :|a
** Looking at my finances, I realized that my savings were going down, which is ... not okay! Not good! So I investigated, and what it boils down to is: I have accounts with three different financial institutions. One is Fidelity, which has accounts for a general money market account, as well as my two retirement funds (a Roth IRA and my 401K); the other two are Bank of America and BECU [Boeing Employee Credit Union]. The latter two are for my immediate/liquid funds, where my bills are paid out of and my paycheck direct deposits to! The credit union gives me a much higher interest rate, as well as feels a lot less skeezy than the BoA--at this point, I am considering closing the BoA, because I'd initially had it open so I'd have access to more ATMs/money in other states, buuuut ... as![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
wonderseal pointed out to me yesterday, Washington's BoA is on a different computer system than like THE REST OF THE COUNTRY minus a few states; it's why my parents could never directly deposit money into my account when I was in college. The BECU account is where my paycheck now direct deposits, but the BoA account is where a set amount of money is automatically withdrawn, monthly, to my Fidelity account--which is used to fund both that aforementioned money market AND my Roth IRA. However, because that money's coming out of an account I now barely touch, I ... "overspend," in a way, the money I have in my BECU account while whittling down the savings I have in the BoA. WHICH IS FINE, I still have the lowest baseline of money that I want! BUT IT IS GOING DOWN AND THAT IS NOT COOL. Therefore, I:
--> Need to cancel PrivacyAssist with BoA
--> Redirect the monthly withdrawals from BoA to BECU
--> Probably close my BoA account, while keeping those credit cards open, as this is like ~eight-ten years of credit that I would really rather not lose, lol!
--> Decide if I want to have a secondary bank account compared to BECU, or if I want that to be my sole bank. I am considering possibly an ING or Ally account, something that has a high interest rate, but it may be good to just put everything in BECU, which gives me a decent rate as-is.
--> Start putting away more aggressively for my immediate savings. GENERAL WISDOM is three to six months, but Dad once suggested six to nine months, and ... well. I can do that! I should be able to do that! I DO NOT NEED TO BE SO FRIVOLOUS.*
* I don't think I am super-frivolous, but I do tend to be sort of ... "I can afford it, so why not!" And I need to actually start stopping myself and being like, no, I need to start trimming extra expenses where and when I can. Once I hit my goal of nine months, then I can be silly again. I have hit a point where I have handled all my needs, so now everything I am buying are wants, and that I can do without.
Basically, I can afford to save more, and I don't. I need to go back to bringing my lunch to work regularly and to being less wasteful of excess food. I cleaned my fridge yesterday and it was like fffffft BE MORE RESPONSIBLE, GOD.
If I start saving more aggressively/spending less, I can hit what I need for nine months innnn about eight. Which is kind of :B but it's better than the two-ish years it was going to be, at my more leisurely saving rate. I've crunched numbers and IT IS DOABLE. I will be able to pay all of my bills and still eat decently and feed my cat nicely; I just can't be too silly with extra purchases.
MAY STARTS THIS WEEK. THE BEGINNING OF THE MONTH IS A GREAT TIME TO START A NEW PLAN.
GO GO GO.
Also I know I have been loltastically fail at updating about my writing progress, but IT PROGRESSES. I AM MAKING MY WORDCOUNT, if only barely, b-but I've hit a point where life is like HELLO, LET ME TOUCH YOU and I'm like AHHHH WHERE DID YOU COME FROM! so. :B I'm starting to have ideas again, and I probably owehalcyonjazz birthday fic I GUESS, so hopefully will be posting again soon. I'M SORRY TO ALL OF YOU WHO FRIENDED ME FOR FIC AND FOUND ME TO BE AN EXTREMELY BORING PERSON.
** Looking at my finances, I realized that my savings were going down, which is ... not okay! Not good! So I investigated, and what it boils down to is: I have accounts with three different financial institutions. One is Fidelity, which has accounts for a general money market account, as well as my two retirement funds (a Roth IRA and my 401K); the other two are Bank of America and BECU [Boeing Employee Credit Union]. The latter two are for my immediate/liquid funds, where my bills are paid out of and my paycheck direct deposits to! The credit union gives me a much higher interest rate, as well as feels a lot less skeezy than the BoA--at this point, I am considering closing the BoA, because I'd initially had it open so I'd have access to more ATMs/money in other states, buuuut ... as
wonderseal pointed out to me yesterday, Washington's BoA is on a different computer system than like THE REST OF THE COUNTRY minus a few states; it's why my parents could never directly deposit money into my account when I was in college. The BECU account is where my paycheck now direct deposits, but the BoA account is where a set amount of money is automatically withdrawn, monthly, to my Fidelity account--which is used to fund both that aforementioned money market AND my Roth IRA. However, because that money's coming out of an account I now barely touch, I ... "overspend," in a way, the money I have in my BECU account while whittling down the savings I have in the BoA. WHICH IS FINE, I still have the lowest baseline of money that I want! BUT IT IS GOING DOWN AND THAT IS NOT COOL. Therefore, I:--> Need to cancel PrivacyAssist with BoA
--> Redirect the monthly withdrawals from BoA to BECU
--> Probably close my BoA account, while keeping those credit cards open, as this is like ~eight-ten years of credit that I would really rather not lose, lol!
--> Decide if I want to have a secondary bank account compared to BECU, or if I want that to be my sole bank. I am considering possibly an ING or Ally account, something that has a high interest rate, but it may be good to just put everything in BECU, which gives me a decent rate as-is.
--> Start putting away more aggressively for my immediate savings. GENERAL WISDOM is three to six months, but Dad once suggested six to nine months, and ... well. I can do that! I should be able to do that! I DO NOT NEED TO BE SO FRIVOLOUS.*
* I don't think I am super-frivolous, but I do tend to be sort of ... "I can afford it, so why not!" And I need to actually start stopping myself and being like, no, I need to start trimming extra expenses where and when I can. Once I hit my goal of nine months, then I can be silly again. I have hit a point where I have handled all my needs, so now everything I am buying are wants, and that I can do without.
Basically, I can afford to save more, and I don't. I need to go back to bringing my lunch to work regularly and to being less wasteful of excess food. I cleaned my fridge yesterday and it was like fffffft BE MORE RESPONSIBLE, GOD.
If I start saving more aggressively/spending less, I can hit what I need for nine months innnn about eight. Which is kind of :B but it's better than the two-ish years it was going to be, at my more leisurely saving rate. I've crunched numbers and IT IS DOABLE. I will be able to pay all of my bills and still eat decently and feed my cat nicely; I just can't be too silly with extra purchases.
MAY STARTS THIS WEEK. THE BEGINNING OF THE MONTH IS A GREAT TIME TO START A NEW PLAN.
GO GO GO.
Also I know I have been loltastically fail at updating about my writing progress, but IT PROGRESSES. I AM MAKING MY WORDCOUNT, if only barely, b-but I've hit a point where life is like HELLO, LET ME TOUCH YOU and I'm like AHHHH WHERE DID YOU COME FROM! so. :B I'm starting to have ideas again, and I probably owe
halcyonjazz birthday fic I GUESS, so hopefully will be posting again soon. I'M SORRY TO ALL OF YOU WHO FRIENDED ME FOR FIC AND FOUND ME TO BE AN EXTREMELY BORING PERSON.