Ugh..I forgot to pay Capital One last month.. I thought about it, but I didn't think a payment was due. And in all the busyness at the end of the month I never logged on to check. We don't carry a balance on the card; we have ONE automatic bill payed by the card. $25 per month. The charge is usually made about the 22nd or so each month and almost every month I pay it on/about the 25th. So it's not even on the card for more than a week. I guess in June I missed it so July it was due and I thought "no big deal I've got 30 days." Wrong. Now I'll have to call and ask if they will please remove the $15 late fee. Yesh, it's a whole eight days late on $25!
Really need to change the billing to another card. I would right now, but DH will need to do it; account is in his name only.
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In other news, my DH met with an independent cell phone dealer last week. He found her through a local business group that his work is a member of. She works with all the carriers and has discounts on the phones. So the phone that I wanted that was $80 online thru our carrier was $50 with her. The $29 car charger was $10 thru her. He also changed our plan to the lower shared minutes plan for $70 per month, plus the taxes etc. so I'm thinking it'll be like $76/mo. Yay! Saving money feels so good!
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A note about my last post where I wrote about going over budget. My DH had an "extra" paycheck last month (with the five Fridays)that's what covered the overage. I was really trying to forget about that "extra" check, but in the end I kept thinking I can pay this/that with the "extra" check. Boy do I WISH I had an "extra" check this month too! Big time childcare costs with both DD and DS going for the first two weeks this month. It won't be as bad once DD is back in school. She will have just a few hours each afternoon once school starts.