I stared at the computer screen for a while confused, scrolled though the bill pay list on the bank app, looked even more confused, checked that mortgage payments were clearing, nope, no answer there either.
So,where has all this extra cash in the account come from?
We must have missed paying a credit card bill, we are so about to be hit with an interest payment and overdue fee, Doh! But the thing is, I can’t see where it’s happened. Everything appears to be paid up and on time.
That was last Friday and it puzzled me all weekend. We lost incoming cash in January due to a job amendment in Crazy Cat Boy’s world, we’ve been going out to dinner and the movies regularly over the past few months, something we don’t normally do… apparently leaving the house gets in the way of slumping on the lounge in front of bad TV chugging back a couple of $25 bottles of wine, so going out wasn’t really on our agenda at all.
Now, we aren’t talking about a retire tomorrow sized amount, just more than enough to make me sit up and look for a problem. The only thing I can think of is we are seeing the cumulative effect of 6 months of very little (and now no) booze, more organised food planning, me spitting the dummy at my car insurance renewal* and finding a better deal and some other $20 here, $10 there changes.
Now I know we were spending at least $100 on wine a week… Crazy Cat Boy god love him had it pegged at “about” $40 pw for some reason! But this, coupled with these other small changes have put us in the position to put some more cash into our Vanguard EFT this week. That’s our long term retirement income stream plan.
So not only will I live longer by laying off the booze I’ll also have the money to! LOL
*I swear, Insurance is the only service that you buy where you are penalised for long term loyalty! What’s with that? “Oh, you paid us on time for a service you haven’t used for 6 years, here’s a hefty increase in your premium for the next 12 months” Well I’m not taking it anymore! Now, if I’d been drinking at the time I’d have ranted and raved and NOT done anything about changing service provider. I’ve saved $30 per month with a quick Google and online quote. Not bad for 10 minutes work on a sober Tuesday night.