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The older that I get, the more I need this rule. You might need this rule also when it comes to financial accountability, either in your checkbook or in bill payment. I pride myself on knowing when each bill is due. I pay the day that I receive my online bill. I had a perfect record.
It seems that when my cable bill came, the correct dollar amount was entered but I entered $.30 instead of $.36. Yes, there was a late fee. I didn't know it until I received the next bill with a $10.00 late fee for that 6 cents. I called and was told that late fees are not returned, but they would keep it on file until my next late payment. In other words, I probably won't see it. Now I wait for a few days after the payment and check to make sure the balance is zero. I have learned so many lessons the hard way or shall we say the expensive way. My mistake made extra money for the company.
The other "check check" revelation came at the end of the year when I "tracked" my spending habits. When I saw how much I spent at WalMart, I realized that "tracking" doesn't save me money. It does show my mistakes and promotes feelings of guilt. When I went in for just a few things, I left with many. That was in the past. Budgeting ahead of my visit and sticking to the list does save money.
MAM has wonderful financial coaching classes. They even offer "Setting Goals" help. Setting goals helps you plan the steps to success, otherwise you just have a dream. Let's get real. You can call for more information and make an appointment (713) 468-4516 ext. 124. Our financial coaches don't judge you on your income or debt. They just want to be a step to your success.