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Posts tagged with: balance

Excuse me, can I pay this bill?

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I enjoy paying bills. I know. Sick. But, I like reducing debt so much that I feel good watching numbers go down. It’s a great feeling.

Anyway, I’m old school. I write checks to pay bills.

Yes, I know you can pay bills online.

I’m a nerd who likes writing checks.

I wrote a check to our utility company for about $60 and it hasn’t been cashed yet. No biggie right? Except, I wrote the check just over SIX months ago. I called about three months ago to make sure the payment was applied to my balance and it was… but the check remains un-cashed.

The friendly customer service person said my account was in good standing but when I asked her when the check would be cashed, she said to keep waiting.

So here we are, inching toward month SEVEN, and I’m confused as to what to do. Do I call the utility company and offer another check? Or do I lean back, kick my feet up, and figure it’s their loss?

What would you do?

*On a side note, this isn’t the first time this has happened to me. I paid another bill and more than a year went by. They never cashed the check and would not accept another payment because their system would not handle ‘double’ payments.


Sprint vs. Marathon Finances…

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When my husband first lost his job and I wrote about further ways to reduce my finances, a few readers gently pointed out that it looked as though I had missed making those cuts on my initial reductions for my debt free journey.

The truth is…

I didn’t.

I have two simple choices when it comes to reducing my debt. I can sprint or I can marathon.

I am currently sprinting. I’m pushing, giving it my all, and taking no breaks. Unemployment is forcing me to take a hard look at every dollar. There is no dinner with friends, no movies at theaters, no new clothes, no dental insurance, no doctor’s appointments, nothing. There is no waste.

Sure I could even go further. I could eat bread and water and be debt free faster. I could sell my car and bike to my bus stop in the dark and be debt free faster. I could stop wearing make-up, shower once weekly, and leave my electricity off and be debt free faster.

But my weariness would grow at the same sprinting pace and I would burn out before my balances ever read zero.

I can’t sprint forever and once my husband is employed again, I plan on slowing my pace to what is was before his layoff. Every once in a while, I think it’s OK to buy a $6 burger during happy hour at a nice restaurant. Once every few months, I like to buy my husband a bag of his favorite coffee.

This is my marathon. Sure, some folks will be faster and others will be slower but I’m running this debt marathon to finish – not to burn out before I see the finish line.

Are you sprinting or marathoning?


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