My dad has shown me how to balance a check book multiple times but I honestly never did. I always had good intentions...but I always just spent my money on whatever. I never had any debt and always paid my own rent, etc but I never saved my money or kept track of where I spent it. It was bad.
Well, I can now say that I have "money smarts" but I learned it the hard way.
When Tony and I set up bank accounts together (right before we got married) I was given a debit card but because we weren't married yet, it had my maiden name on it. We also got a credit card but that one had my new married name on it. No idea why. Long story short, when I got my cards in the mail I called to activate them but the bank wouldn't let me activate both because I had a credit card in my married name and a debit card with my maiden name. They would only let me activate the credit card. So I had a credit card, that I knew I wasn't supposed to use for random things, and a debit card that I couldn't use.
Then we moved to Arkansas. They don't have the bank that we use here in Utah there so we had to set up an account at a new bank. We went through that whole process and I was able to sign up for a debit card with my name on it. When the mail from the bank came, Tony got a debit card but mine never came! I went to the bank a while later and by the time one would be sent to me it would practically be time to move back to Utah so I just let it go.
It has now been five months and I haven't had a debit card. Because of this, I haven't spent ANY money on clothes, food, etc without planning it out beforehand.
Two days ago I FINALLY got a debit card with my name on it and it actually works!!! I haven't spent money on little things for so long that now I don't have any desire to. Sad to say but I think this was the only way I could've learned how to be smart with money!
So I'd like to thank Wells Fargo for assigning me cards with different names and the Bank of Arkansas for losing/never sending me my debit card.
Well, I can now say that I have "money smarts" but I learned it the hard way.
When Tony and I set up bank accounts together (right before we got married) I was given a debit card but because we weren't married yet, it had my maiden name on it. We also got a credit card but that one had my new married name on it. No idea why. Long story short, when I got my cards in the mail I called to activate them but the bank wouldn't let me activate both because I had a credit card in my married name and a debit card with my maiden name. They would only let me activate the credit card. So I had a credit card, that I knew I wasn't supposed to use for random things, and a debit card that I couldn't use.
Then we moved to Arkansas. They don't have the bank that we use here in Utah there so we had to set up an account at a new bank. We went through that whole process and I was able to sign up for a debit card with my name on it. When the mail from the bank came, Tony got a debit card but mine never came! I went to the bank a while later and by the time one would be sent to me it would practically be time to move back to Utah so I just let it go.
It has now been five months and I haven't had a debit card. Because of this, I haven't spent ANY money on clothes, food, etc without planning it out beforehand.
Two days ago I FINALLY got a debit card with my name on it and it actually works!!! I haven't spent money on little things for so long that now I don't have any desire to. Sad to say but I think this was the only way I could've learned how to be smart with money!
So I'd like to thank Wells Fargo for assigning me cards with different names and the Bank of Arkansas for losing/never sending me my debit card.
3 comments:
woman, you make me proud!
You go girl! It's the only way to be... debt free!
Funny story, I am proud of you!
Megan,
I love your blog...It's so good to see what you've been up to. I've had similar experiences with credit and debit cards...this budgeting thing is crazy!!! Oh well, I guess we had to learn it sometime!
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