Paying off Credit Card debt is really the “easy” part of this month for us. With Nick’s Christmas bonus we paid off our flights and the remaining balance. The trickier part is creating a plan for the rest of our finances.
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Changing banks. I’d like to switch to more rewarding checking and savings accounts. Currently, we’re with Bank of America which has been nothing but trouble since we opened our joint account with them. Changing to a no fee checking will save us $108 a year. Banks I’m looking into? Ally, FNBO and ING. First step though, is changing my name at BofA. Since many of these are online banks, they dislike that I have an additional name now and nothing short of the Spanish inquisition will prove otherwise. So it’s easiest if I change my name at BofA, and then try again to open an account.
Retirement accounts. As much as I’d like to set up a separate retirement account, the max I can contribute to my work 401k is bit toooo much at this point in our lives. My new job will match at 5% so we’ll contribute a lower amount till we pay off that big honking student loan above and then increase the amount.
I can hope for a minimum return of 6% on my investments – so it makes more sense for us to pay the minimums on my other student loans (the 2.47% interest) and increase our investment portfolio and emergency savings account since we’ll still (hopefully) make a profit.
What has helped you most on your journey to becoming financially savvy?