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Today I logged in to my Capital One 360 account to flip some money from my birthday savings to the checking account to buy my plane ticket for Los Angeles and was super pumped to see this:
Having set up the automated savings last month has really made it easy, and I didn’t even realize I had that much socked away. It hurts a little to not have that almost-$700 sitting in my 3% interest earning checking account, but this way it’s much easier for me to spend it specifically on LA vacation details. In addition to the automatic savings that comes out of my paycheck, I dump extra windfall money here as well – ATM fee reimbursements, interest earned in my regular checking account, eBates cashback, GymPact earnings, secret shopping payments, things like that. If you’re looking for a “special occasion” savings account, Capital One 360 has been really easy and convenient for me and since I don’t carry this debit card around with me, it’s very out of sight, out of mind money. (Plus I like the graphs.) I would love to have all of my money pooling up in my 3% interest checking account to just accrue, but psychologically, that isn’t working for me right now. I need dividing lines.
Beyond saving for Disney, I’m still trucking away at these stupid student loans. I discovered Student Loan Hero via Stephanie at Empowered Dollar, which is a tool that lets you add all your student loans (and even syncs with the NSLDS and Fannie Mae) and displays all of them in an easy to read format. The only thing I don’t like about it so far is that you can’t change your loan priority.
This fall I am really trying to refocus on paying down my debts. On the 14th, I made the last payment on my dental work (thank God) so that’s another $40 I am getting back in my budget. Here’s my pretty, up-to-date, and sad year-to-date graphic:
Sad because I have some big expenses coming up and I know I won’t be able to hit the debt payment goal I had hoped to. I will need new running shoes before Disney (and probably won’t have enough Swagbucks to buy them,) plus holiday trips to see family in Cincinnati and Gatlinburg, I need new brakes AND tires, and I’m still replacing tings in my wardrobe since things are so ill-fitting.
Little by little. I’m getting there. Adulthood is expensive.
What is your best money hack?