I live, write, and garden in the PNW with my husband of 28 years, disabled daughter, adult son, and my 84-year-old mother. We have paid off $250,000.00 worth of debt (if you include the interest) in the last fifteen years and as of 6/12/2020 are 100% DEBT FREE!!!!I am getting really antsy. Late Friday night I made two payments on the BoA website. One to cover the interest from the card I just finished paying off of $34.02 and one towards the last VISA we owe money on for $1490. Neither one of them has showed up yet, not even as pending. The money also hasn't been taken out of the checking account on this end.
I am now starting to wonder if BoA's website had an issue over the weekend. Usually it shows as pending right away. If it hasn't shown up by tomorrow I will have DH call them and see if there is any evidence of it on their systems. If not, I will go pay the $34.02 one in person at the bank. Not too big a deal if that one ends up being paid twice because of a glitch. On the other one I will wait a few more days on. $1490 being paid twice would screw up my checking account.
I have to transfer the money from the EF at ING back to checking so I can make that payment. Part of me is still resisting it though DH and I both agreed it was the best idea and it'll keep us on track for having the credit card paid off by May 18th. I know we will still have $1000 in the EF and we of course have the credit cards as back up if necessary even if that idea makes me cringe. I just need to do it. Why is it so hard to take money out of the EF for non-EF reasons? I know we will get it built back up again, but it is such a psychological thing for me to have that money there. I know, in the long run, it'll be a bigger psychological thing to have that credit card paid off, though. So...gotta do it.
Getting Antsy
April 2nd, 2012 at 09:38 pm
April 2nd, 2012 at 09:47 pm 1333403241
Also sympathize with the battle between rationally wanting to do one thing and the gut rebelling. I'm probably going to cashflow my husband's tuition from the EF this summer and then build the EF back up. There's no reason this won't work, and I definitely don't want to take out any more student loans due to the aforementioned issue. But I worked hard on that EF and it hurts to see it go down even temporarily!
April 3rd, 2012 at 12:27 am 1333412876
At least the little payment is now showing as pending. I hope the big one shows up tomorrow.
April 3rd, 2012 at 04:15 am 1333426504
April 3rd, 2012 at 01:03 pm 1333458202
April 3rd, 2012 at 01:27 pm 1333459658
April 3rd, 2012 at 03:15 pm 1333466153
April 3rd, 2012 at 03:16 pm 1333466200
@ Bob--Yes, when you are trying so hard to bring your debt down you want to see those number drop right now, thank you very much. LOL