I really resent that Americans need to be "taught" not to spend money. No shit not spending money = savings. No one needs to be TAUGHT that, we need to be given mechanisms to make not spending money a possibility. I was thinking about fleshing that out, but I think the point is best left succinctly.
I am pro-Obamacare and generally a winner (I was able to stay on my parent's insurance until I got a job) but I will say - I have some extra fee tacked on to my dental insurance that the company was claiming was from Obamacare!!11!111 ::scary hand wave:: except...Obamacare had nothing to do with dental? And my dental still sucks? Obama why didn't you reform dental too!! I think a lot of complaints people have about Obamacare are actually complaints about insurance companies and how they've responded to the new law (newsflash: corporations are still going to try to maximize profits!) but because the insurance industry is so layman-unfriendly, it's hard to understand why these companies are making the changes.
@AndThenISawStars I was pleasantly surprised by how much I liked Wild, and Tiny Beautiful Things has been on my list for awhile. It just got bumped up a bit (but is still below Amy Poehler!). I had something else to say, but completely forget what it was so...reading! great! yeah!
Logan I did EXACTLY the same thing earlier this week. I had my credit card around because I needed it for a work trip, then needed to buy my friend a birthday gift and payday is later this week, just do it now and get it over with it (buying a gift for this friend has been Very Stressful). I've set aside money in my budget to pay it off, but I'm still annoyed I did it in the first place.
@garli I have the earliest appointment I could get (half hour after opening). It should only take about an hour, but I'm afraid I'm going to get some type of crazy bureaucratic response like "We cannot process this here" and then 50 million steps to follow to get it done, you know?
@garli Ahh that's too bad! I have a national and a local credit union, and the local one just started mobile deposit...bummer.
Ugh tomorrow is my 1 thing: I have to go to the DMV to make sure my registration doesn't expire on Sunday. For some reason, I changed the apartment number on my address (I don't know, it sounded like fun?) and usually the mailman is good about putting mail in the right mailbox even if it has the wrong number but of course the one actually important thing hasn't arrived (he did make sure I got the New Yorker clips my mom sent and addressed incorrectly, though). I realize this is a bizarre problem totally of my own making, but keep your fingers crossed for me as I deal with the DMV gods, please.
@garli Does your bank have mobile deposit?? I was against using it for awhile (and I still only use it over my home wifi) but it is a lifesaver...
@andnowlights I had a hotel do that too once! They automatically charged you for parking even though there was a pay machine in the structure? I managed to get the hotel staff to not charge me but I did check my statement for a few weeks just in case.
I have started carrying around cash when I have a spendy weekend coming up and want to make sure I either a) leave enough money in my account for it (if it's later in the month) or b) leave enough money for the rest of the month. I do one of two things - either take out money to spend that is "all my non-[spendy weekend] cash for the month" or take out money to spend as a limit on that weekend. I get paid once a month, and it's really helped me manage my spending throughout the month so that I suddenly don't get to something I was really looking forward to & I have no money left for it.