My experience with Capital One has been: if you’re usually good about your payments, but forget every once in a while, just give them a ring and ask if they can waive the $25 fee. They almost always do. So weigh another phone call to the bank vs. that $25, I guess, but know that you will probably be able to get it removed if you just ask.
I live in the Bay Area. Generally, I either walk or take public transit, but my partner and I have a truck, too, which is used for his commute, errands, and other travel (mostly to visit fam). Together our transport costs add up to ~$600/month. It breaks down like so: ~$130 for public transit (specifically BART, which does not offer a monthly pass) ~$250 for truck payment (almost paid off though!) ~$90 for insurance ~120 for gas We don't pay for parking, except when we forget it's a street sweeping day and then we pay a ~$60 ticket, but that usually only happens 2-3 times/year.
This post is a glorious thing.
...and now I've just made my first non-emergency dentist appointment in, like, 4 years. This should be... fun.
Thanks for this!
I'm pretty open about how much I make, which is maybe easier because it's a wage? I dunno, it's just that part of me wants all wage earners to put that shit out there, so we can discuss the crazy discrepancy between what the minimum wage is technically and what wage workers are actually making/need to make to survive. Like, for instance, minimum wage in the city I work in is ~$10.20/hr... but I make $16/hr - and even with that, cannot afford to live in the city I work in. There's something off about that!
I work in retail, with two different shift options, opening and close. If I have an opening shift: I wake at 7:23am (ha, for real), shower/drink a coffee/pack my lunch, and then make a mad dash out the door to catch an early enough train to roll into work around 9am. I spend the train ride actually waking up, usually with a podcast. Once there, I grab restock from our storage, do a quick sweep/mop of the store itself, load all the register programs, check/answer urgent emails, make any necessary phone calls, and count the drawer. Then I sit down and plan my day with a check-box list. By 10am, I have a plan for the day and the doors wide open, ready for people to start getting their buy on. If I close, I don't have to be in to work until noon, so I take my time in the morning to do chores, like dishes or laundry, and spend my commute planning my day and checking my work email. By the time I get in, I know what I have to do and can get straight to it (unless it's busy, then I deal with the customers first, obviously).
Ugh, Granite just bought my fed loans, too. Pain in the ass, to the max, already. I might cry if they eff with my IBR.
This reminds me of my first flight (with Southwest? Delta?): it was unaccompanied, I was ten, and after being dog-tagged by the stewardess as a "child alone", I was sat next to a man in a business suit. This is what happened during that flight: He ordered a scotch. Once his drink came, he glanced at me and told me know he was TERRIFIED of flying. THEN he downed his drink really fast and kept his eye closed the rest of the flight.
Performance reviews! Timely. My current employer is ridiculously lax about of a lot of things, including formal reviews. This is actually something I've been meaning to tackle now that I have the supervisory powers, so thanks for the reminder (as it were).