Archive for the Money Mistakes

How My Laziness Cost me $115

So back in 2011 I was looking for fee free IRAs. Mr. Money and I both had IRAs at a brokerage firm and the $40 annual fee was eating into our accounts, especially mine that contained around $400.  I said I was going to either move it to a new brokerage firm that had no or low annual fees or move it to ING where it could sit in an IRA savings account.  At least if I did that, I’d be avoiding the $40 annual fee. Well that didn’t happen. Penny was born, life got crazy and I didn’t even think about that IRA after that.  Until last month when I got another bill for $40. Doh.  And now the account balance was roughly $379, since they took out the $40 annual fee for last year.  So I called them up, asked about closing it and moving it over to Capital One 360 so I would avoid penalties and they reminded me of the $75 closing fee.  Yay.  So now I’m down to $264 after the annual fee and closing […]

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I’m a Recovering Tightwad

I’m starting to realize that before I had a baby, I was pretty much a tightwad.  Since my baby’s been born, I’ve loosened up a little.  For instance, I’ve purchased a few new outfits for her that didn’t come from a thrift store.  I’ve purchased new cloth diapers that I didn’t really need just because I wanted to try them or they are cute (I can also re-sell them if I don’t like them, or when I’m done with them).  We’ve used the dishwasher and dryer more times than I’d like.  We probably aren’t saving quite as much money as we could (but we’re still saving). I’m happy.  Spending a little money on things that are important to me makes me happy.  Hoarding my money doesn’t do me any good if I’m miserable.  One of my 2012 financial goals was to find a nice balance, and I’m still working hard to achieve that.  It’s a constant struggle for me, because most of the time I think I should live as cheaply as possible in order to save the most amount […]

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