When the expected happens it's not a surprise

[MarieIG]

Just curious. Why pay the full balance more than once a month?

I also don't wait to pay the bills. I check my finances daily anyway, and rather like tennis (or pickle) balls, they come at me, and I lob them right back (pay them off). It's my personality. I don't like debt, and having them sitting there looking me in the eye makes make uncomfortable, like an itch I can't scratch. My peace of mind it worth the few dollars I could make in interest if I waited to pay.

 

[Major Tom]

She's been bankrupt twice, so clearly she hasn't learned to live within her means. Third time's a charm? Either way, it's not my problem.

Often in these forums, I've seen the opinion aired that one way or another, spendthrifts find a way to manage, somehow. Many do, but I'm not sure that's always the case. There are all sorts of ways for things to not end well for someone. I don't wish bad things on anyone but at some point, most folk end up experiencing the results of their behavior and decisions. Reality has a habit of catching up with us, and we ignore it at our own peril.

 

[CO-guy]

Often in these forums, I've seen the opinion aired that one way or another, spendthrifts find a way to manage, somehow. Many do, but I'm not sure that's always the case. There are all sorts of ways for things to not end well for someone. I don't wish bad things on anyone but at some point, most folk end up experiencing the results of their behavior and decisions. Reality has a habit of catching up with us, and we ignore it at our own peril.

I mentioned above that her kid asked me for advice and my suggestion was to move her towards affordable managed care options as quickly as possible. I would welcome other suggestions.

 

[marko]

Often in these forums, I've seen the opinion aired that one way or another, spendthrifts find a way to manage, somehow. Many do, but I'm not sure that's always the case. There are all sorts of ways for things to not end well for someone. I don't wish bad things on anyone but at some point, most folk end up experiencing the results of their behavior and decisions. Reality has a habit of catching up with us, and we ignore it at our own peril.

I call it "Coloring Outside the Lines".

I believe there's an equilibrium to the universe where, if your behavior--whatever it is--is too far out of line, you end up upsetting the balance and it comes back for you.

 

[hmrambling]

My former pastor regularly spoke about brick/balloon relationships in which one partner is very grounded, structured, and fiscally aware while the other tends to be more spontaneous without much regard to planning. Some see it as balance. Perhaps it can balance a relationship but it can be maddening, too.

 

[jazz4cash]

I also don't wait to pay the bills. I check my finances daily anyway, and rather like tennis (or pickle) balls, they come at me, and I lob them right back (pay them off). It's my personality. I don't like debt, and having them sitting there looking me in the eye makes make uncomfortable, like an itch I can't scratch. My peace of mind it worth the few dollars I could make in interest if I waited to pay.

I feel the same way to a point, but when I consider the free float and funds to pay the debt off are parked at >3%, I just smile and let the autopay hit my HYSA right on the due date. At Fidelity I can get nearly 60 days of float.