Thanks for sharing about the "freebie" policy. Leaving a buffer of a few hundred dollars in your checking account should solve the overdraft issue from occuring in the future.
I always end up buying new ones for parties I throw just because I usually need a bunch at once. But then I always end up using them after to send food home with people. I can't seem to hang on to them! I have found some at thrift stores too. These are great tips for what to look for in a used jar! Thank you!
One consciousness-raising method we use to appreciate our abundance is to remind ourselves about the tragically large portion of the Earth's population that lives without tomorrow's meals in their possession.
I recently just graduated college and got my first real job. When I initially started calculating how much I would be making, I was giddy and wanted to blow it all on things I could now afford post college but fortunately I write and read financial blogs daily and was able to make the smart decision to open a second checking account so I could give myself a monthly budget then shovel the excess money into the checking account to only use for rent and bills and accumulate month after month what is left over. I am currently debating opening a savings account so that I can set my monthly budget in one, transfer the left over money for bills and rent into the checking and what ever is left over can be put into savings for an emergency fund. But I need to sit down and really plan out a strategy first.
Great article. I abide by the "pay yourself first" rule. Whenever I start making more money I work on maxing out my ROTH for the year and making sure my emergency fund is fully stocked before treating myself to the luxuries.
Oh, we usually just stay home fore parties -- we like to enjoy our yard, and have a fire going. You better believe we bring our own water bottles wherever we go, though -- those suckers are expensive!
Another thing to keep in mind with the window replacement is that it can also lower utilities bills... this brings you even closer to recouping all of your spending.
Many banks also have overdraft protection. It is just a credit account that can be automatically used to cover overdrafts. Never rely on it for credit, and pay it off immediately after any overdraft, and your interest cost will be negligible. It will show up as another credit source on your credit report if that matters to you.
We always ask people to bring a bottle and many will often bring a dish meaning that our summer parties always turn out to be a team effort. I think it actually makes for a more enjoyable time as everyone seems to make more of an effort.
I have this same question, but I'm betting that it is not safe for pets. I think most mouthwashes contain artificial sweeteners, and even small amounts can kill animals.
Here's some advice from someone who's been in banking for 5 years. Getting one fee refunded is easy. Getting more than one refunded is not. Where I work, it's policy that everybody gets one "freebie" per year, as long as it wasn't a bank error. Getting anything else refunded is manager discretion. I definitely agree that you should be police and not get angry, but no matter how nice you are, you will not likely get more than 2 fees refunded. The reasoning is this: When you open a bank account, you get disclosures stating how much fees are and how you can incur them. When it happens once, it's usually and accident and we understand that. When it happens multiple times a day on a regular basis, that's just poor money management and that is NOT the bank's fault. Nobody is perfect, but ledgers exist for a reason. Another easy way to avoid overdraft fees in the first place: avoid cash advance loans unless it's a matter of life or death. They are AWFUL and they will ruin your account! :)
My bank has specific policies on what fees they will refund and how many overdrafts you can get refunded during a time period. Since I have a knack for financial blunders I have learned their policy well and take full advantage of it.
You should always call your bank right away when they charge any type of fee. Not only overdraft fees but even monthly service charges and other fees might be able to be refunded. I have a checking account that has a monthly fee, and if I don't use the account for the month I give them a call and see if I can get it refunded. More often than not they refund it just to make sure I keep my account open.
Thanks James. Some bank accounts - although they may be few - also provide free overdraft protection.
Thanks for sharing about the "freebie" policy. Leaving a buffer of a few hundred dollars in your checking account should solve the overdraft issue from occuring in the future.
Thanks for sharing your experience Levi.
I LOVE mason jars and use them for everything. Storage, canning, presents, dishes, decor. I would love to find some cheap ones out there.
I always end up buying new ones for parties I throw just because I usually need a bunch at once. But then I always end up using them after to send food home with people. I can't seem to hang on to them! I have found some at thrift stores too. These are great tips for what to look for in a used jar! Thank you!
Easier to have the party where there's a pool, while everyone contributes to bringing food/drinks for the party!
One consciousness-raising method we use to appreciate our abundance is to remind ourselves about the tragically large portion of the Earth's population that lives without tomorrow's meals in their possession.
The KitchenAid stand mixer is by far my favorite but I prefer to use my hand mixer just for convenience.
I recently just graduated college and got my first real job. When I initially started calculating how much I would be making, I was giddy and wanted to blow it all on things I could now afford post college but fortunately I write and read financial blogs daily and was able to make the smart decision to open a second checking account so I could give myself a monthly budget then shovel the excess money into the checking account to only use for rent and bills and accumulate month after month what is left over. I am currently debating opening a savings account so that I can set my monthly budget in one, transfer the left over money for bills and rent into the checking and what ever is left over can be put into savings for an emergency fund. But I need to sit down and really plan out a strategy first.
A unique idea!
Great article. I abide by the "pay yourself first" rule. Whenever I start making more money I work on maxing out my ROTH for the year and making sure my emergency fund is fully stocked before treating myself to the luxuries.
Oh, we usually just stay home fore parties -- we like to enjoy our yard, and have a fire going. You better believe we bring our own water bottles wherever we go, though -- those suckers are expensive!
All great tips - term life makes sense for most people and Jeff hits all the right points in this video.
Another thing to keep in mind with the window replacement is that it can also lower utilities bills... this brings you even closer to recouping all of your spending.
Does it get rid of dandelions and weeds?
We love having a pot-luck party!
These are awesome tips! I have done SO many Mason jar crafts in the past. Great info!
Many banks also have overdraft protection. It is just a credit account that can be automatically used to cover overdrafts. Never rely on it for credit, and pay it off immediately after any overdraft, and your interest cost will be negligible. It will show up as another credit source on your credit report if that matters to you.
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We always ask people to bring a bottle and many will often bring a dish meaning that our summer parties always turn out to be a team effort. I think it actually makes for a more enjoyable time as everyone seems to make more of an effort.
I have this same question, but I'm betting that it is not safe for pets. I think most mouthwashes contain artificial sweeteners, and even small amounts can kill animals.
Here's some advice from someone who's been in banking for 5 years. Getting one fee refunded is easy. Getting more than one refunded is not. Where I work, it's policy that everybody gets one "freebie" per year, as long as it wasn't a bank error. Getting anything else refunded is manager discretion. I definitely agree that you should be police and not get angry, but no matter how nice you are, you will not likely get more than 2 fees refunded. The reasoning is this: When you open a bank account, you get disclosures stating how much fees are and how you can incur them. When it happens once, it's usually and accident and we understand that. When it happens multiple times a day on a regular basis, that's just poor money management and that is NOT the bank's fault. Nobody is perfect, but ledgers exist for a reason. Another easy way to avoid overdraft fees in the first place: avoid cash advance loans unless it's a matter of life or death. They are AWFUL and they will ruin your account! :)
My bank has specific policies on what fees they will refund and how many overdrafts you can get refunded during a time period. Since I have a knack for financial blunders I have learned their policy well and take full advantage of it.
You should always call your bank right away when they charge any type of fee. Not only overdraft fees but even monthly service charges and other fees might be able to be refunded. I have a checking account that has a monthly fee, and if I don't use the account for the month I give them a call and see if I can get it refunded. More often than not they refund it just to make sure I keep my account open.
Good point Mary. Leaving a cash cushion in your checking account will help avoid overdrafts.
Thanks Michael! And you're right about using this for late fees too!