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How I Squandered My OT Check

May 6th, 2011 at 04:26 pm

I sent $800 to B of A Visa and $800 to my Roth; the rest is sitting in my checking account. I will have to pay my half of summer camp soon, so that is where it will go.

For the rest of the year, I have to contribute $100 per month to my Roth to hit my 3k goal for 2011. That shouldn't be a problem, so I am pleased to be on track with that.

My B of A Visa billing cycle closed yesterday. I just logged on to view the statement, and I see that I was charged $2.46 in interest this month. I expect it to go up next month, as my "1.99% until July 2011" apparently ends after my May billing statement (???). I think that was the gist of the vague letter they sent me two months ago. My balance is down to $1779.61 and my minimum payment is down to $20. I'm glad, because in a pinch, $20 isn't too hard to cough up. Also, I'm glad I got the balance significantly lower before the 1.99% promo rate ends. My regular rate is variable, currently at 7.24%. So not too awful, but of course I would rather pay no interest at all! With my most recent budget revision, the balance will be gone by the end of the year.

My brother is supposed to show up sometime tonight, to visit our Mom for Mother's Day. I'm looking forward to catching up with him.

I brown bagged it 4 days this week, ate out 1 day. I had been slipping into my old habit of eating out every day, which I simply can't afford. But 1 day? Sure, I can swing that. That money comes out of my "cash allowance" budget category.

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