So last night I was taking a look at all my CCs and bank balances as I updated YNAB 4 when I noticed a pending charge on my Discover Card ...
I was expecting a $2k pending charge for the car, but it showed $3k!! What?
I looked through my purse and found my receipt from the auto dealership, and sure enough, it was for $3k, not 2k. After realizing this, I checked the numbers and realized that neither I nor the co-owner/salesman had noticed this during the transaction. The car loan is for the correct amount (I double checked!)
I'd been told that they could only take up to $2k on a credit card, so I based my check amount + cash amount off of a total down payment of $6k - 2k on the card.
Now though, it appears my total down payment was $7k! It's okay, I can manage to scrounge up that extra $1k before the CC bill hits, I'm just having to do a bit of whack a mole (emptying out various rainy day funds) to do so.
So my gift fund is zeroed out. I took 50% of my medical fund (enough left for my monthly prescription next month.) I hit up Kari's fund (her shots can wait til January ..) I reduced my next Roth contribution to the minimum, and eliminated my EF contribution for December. I also decided to reduce my first payment from $200 to $160, and took money from a couple other rainy funds.. All that plus cleaning out the last little bit of money in the source I didn't want to touch, will pay off the entire $3k on the CC. Whooh! I still have a small EF so if anything were to happen, I'd still be ok.
(I was thinking I might have to dip a bit into my ROTH to do this, but thankfully was able to do it without dipping into anything already put in to it!)
I guess I should have double checked the numbers!!
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In an effort to rebuild my cash reserves as fast as possible ... anyone think that I could get $75 for my Asus EE PC netbook? I bought it for $300 in 2008 I think. It still works perfectly, just the software is kind of out of date. (It would include a carrying case, mini mouse, and protective sleeve.) Or would that be way more than what it's worth now? (There isn't a Craigslist for our area .. not unless the person was willing to drive 50+ miles to meet me halfway somewhere ...)
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Btw - drove my car to church yesterday. LOVE IT! 
Oops! Small $ Mistake
November 25th, 2012 at 06:49 pm
November 25th, 2012 at 07:59 pm 1353873587
November 25th, 2012 at 08:16 pm 1353874587
i'll be doin some ebay sellin when i get back home. can't wait to see what i come up with product and money wise! =P
good luck!!
November 25th, 2012 at 09:34 pm 1353879275
November 25th, 2012 at 09:49 pm 1353880152
November 26th, 2012 at 02:27 am 1353896835