Making Lists And Following Them

Running Errands........not my favorite thing to do!

I have not been able to open my  business bank account as I said I would in an earlier post. Why? Because I am not organized enough yet. I have been uncluttering certain areas of my home. Getting rid of anything I have not used in the last year or so. If it doesn't fit it is out of here! If I read it then it goes too, unless it is a book I use for reference. You know you keep those books you loved thinking you'll reread them. But do you? Rarely. I have read my Gone With The Wind book at least ten times, but not in the last 20 years now. Maybe I'll take a peek at it again..........so I will keep that one. LOL

Today I have errands to run, laundry to wash, zucchini bread to bake, groceries to pick up, horse feed to buy, go to my father's and pick up my son. He is coming home after spending a week with his 91 year old grandfather. Then he will be staying with us until he can find an apartment in Greene, NY, the small town near us.  So no time to do those jobs like going through my papers and filing them. But I KNOW those are the very jobs I should be doing as they hold me back. That has even cost me some money. Twice I was late filing a paper for NY state sales tax and it cost me $50. each time! Only because I forgot about it and lost the paper in the mounds of paper that needs to be gone through and filed or thrown out.

So AFTER, I get home and have done my errands, I will be going through one of those boxes. Then I will update my goal list and my to-do list. That is my starting point for the new month that is coming up. The roladex needs updating as well as the calendar on the wall.............one in the kitchen and one in here above our computers. So we can see it all the time. My brand new address book that I bought two years ago is waiting to be used. I normally carry one in my purse, in case I need an address or phone number when I am out. I have missed that and I used to always carry one.

One thing I have actually done..............I keep our credit card accounts in a check book register for each card. I carry them in my purse so that I can always check how much is available before I use the card. That way I have avoided over-the-limit fees. I have always gotten in trouble with the cards that have a yearly fee and they sneak in when I am not aware or remember it. Because we are paperless, my husband has one card that has a fee and I don't get the email or see the statement when it is due. It seems to not be due at the same time every year. Sneaky!

Copyright © 2010  Kathleen G. Lupole

Be Careful On Financial Sites

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Did you ever do something by accident by clicking a link on a website and then couldn't get out of it? I did that recently. I was paying our credit card bills when I came to this link that said "Make money every time you pay your bill." That got my curiosity up! Pay my bill and make some money back? What was that about anyway? So I clicked and found out it was a special agreement between the company and you to help people pay off their credit card debt. I figure it was not for us. Besides this card is a low amount card and only used for little things and paid off every month or so. So I clicked to leave and said in big letters, "Thank you for signing up for whatever it was called, I can't remember right now." 

So I go back and look at it. It was an agreement to pay more than your minimum payment for six months and not use your credit card in that time period. To help you pay it off. I think it is probably a good thing if you have a large balance. But this is low amount card and we use it for gas mostly since we can pay at the pump. I emailed them and finally heard back from them. Well today.........relief finally! A woman called and said she took care of it for us. Oh boy! So from now on I will never click a link on any credit card website out of curiosity. I learned my lesson!

I see that many times you sign up for something and then that company acts like you never signed up. But here is a site that tricks you into signing up without actually doing anything except reading the page on their site. Not a good way to do business. Makes me very cautious of them from now on. So be careful when you click any links on any credit card or bank sites. They are sneaky to say the least.