Now wait just a second. Don't get all judgy on me.
I'm balancing a lot of discipline here: money (obviously), food (om nom nom nom), and boys (don't smite me, Lord!). This dude that I met at BAR - stupid English language. I met him on OKC, and then met him at BAR for drinks - was super nice and all, but is a teacher and I'm not. So I bought the beer. You'd totally do the same, no?
Anywho, I got to the bar a little before he did and needed to grab some cash. ATM fees blow. I pulled out $100, and got charged $2.00 from the ATM and another $2.00 from my bank. Why $100? Because I figure it's better to spread the ATM charges out over $100 than $20. Like spreading a canister of frosting over two dozen cupcakes instead of just eating the jar and forgoing the cupcakes altogether.
I understand this logic is bogus. The more cash I have in my wallet, the faster it goes. So I put the extra money away and sucked up the ATM fees.
On a related note, Mint told me I could save $14,000 over three years by transferring my balances from my existing credit cards (avg APR is 17.5%) to a new one with 8% APR. Good idea, but I haven't been at my job for more than six months and they want my dad's information. Uh, why? Dad wasn't the one that decided I should purchase $300 worth of clothes from She-bible in September. And October.
Takeaways:
- Avoid ATM fees by taking the time to walk the two blocks to the effing Chase bank that's on 25th/Mission.
- Use feminine wiles to reduce APR on current credit cards.
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