In February, my wife and I made our last car payment. We agreed to set up an automated transfer with our bank, so that each month, the old car payment is still taken out of our account, but moved to another (otherwise unused) account. The money will be our emergency fund, and travel fund. In March, the first payment was transferred.
Then we booked plane tickets home for a get-together with some friends this coming fall. This trip was planned, and we agreed that these kind of things are what this money fund is intended for.
The tickets worked out to be almost exactly equal to our first month's savings, taking us back down to 0 after just one month of transfers.
Now, I know this sounds silly, but I felt guilty. I felt like there was someone at the bank watching what I was doing, shaking their head and saying, "tsk, tsk, tsk, you've only made one payment so far and you're already pilfering your money." I used to feel the same way when I would get my line of credit down a bit, then have to use it again to pay off an unexpected credit card bill. I felt like these actions would come back to haunt me if I have to go to the bank for other business.
"Sure, Mr. Kombat, we can order you some new checks. Oooo... I see here you took money out of your account the very first month after you set up an automatic transfer. Better not do that again or we'll close that account until you learn to be more responsible."
Anyone else ever have this irrational fear that someone at the bank is watching your actions and judging you? Of course I know it's irrational, I'm just curious if I'm the only one to ever get this feeling .
Then we booked plane tickets home for a get-together with some friends this coming fall. This trip was planned, and we agreed that these kind of things are what this money fund is intended for.
The tickets worked out to be almost exactly equal to our first month's savings, taking us back down to 0 after just one month of transfers.
Now, I know this sounds silly, but I felt guilty. I felt like there was someone at the bank watching what I was doing, shaking their head and saying, "tsk, tsk, tsk, you've only made one payment so far and you're already pilfering your money." I used to feel the same way when I would get my line of credit down a bit, then have to use it again to pay off an unexpected credit card bill. I felt like these actions would come back to haunt me if I have to go to the bank for other business.
"Sure, Mr. Kombat, we can order you some new checks. Oooo... I see here you took money out of your account the very first month after you set up an automatic transfer. Better not do that again or we'll close that account until you learn to be more responsible."
Anyone else ever have this irrational fear that someone at the bank is watching your actions and judging you? Of course I know it's irrational, I'm just curious if I'm the only one to ever get this feeling .