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Got Our First Property Tax Bill, etc

December 11th, 2016 at 07:48 pm

I hadn't been sure just how much it would be, so I'd been setting aside $150/month for it. Looks like that was underestimating a bit. Our first payment is due in March for $1106 and the remaining $1106 is due in August.

I currently have $900 set aside for it, so by March we'll be fine. However, we won't be ready for the August payment at our current savings.

We need to save $1300 more by August. So instead of $150/month, I think we should be putting aside 163/month. Maybe I'll make it 170/mo to have a round number. Smile

Starting in September, we'll need to save $185/mo (rounding up)

I can pay online - so will have to find out if there is a CC fee and if I can find a good sign up bonus to negate it. Smile

*We don't have an escrow account.
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I got a "refund" check from my former Internet company which had charged me for a month of service I hadn't asked for. Of course the check is in my maiden name - misspelled. I don't know if I can cash it, and am not sure it's worth the hassle for $15.xx *They over credited me somehow.

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Speaking of banking hassles ...

On Friday I stopped at our credit union to deposit DH's paycheck and tip money into our joint account. I've done this nearly weekly for almost 8 months!

As soon as the teller looked at DHs check, she said "we don't have a signature on file for him, nor an id!" What are you talking about lady?! He signed a whole bunch of documents and had his id scanned when we opened our account! Besides, I'm DEPOSITING the check into our JOINT account - not cashing it! Plus, look at our balance - do you really want to tick me off?

Ok. I didn't say all of that to her ... Smile

She left and got someone from the back who showed her how to find his signature from the opening documents. Then tells me he needs to come in so they can get his id.

I scoffed out loud and told her - good luck with that. Besides you should have his id on file already. It's not our fault if you don't have it in the right places!

The only think I can think of is that she was a newbie teller. Or maybe it's just that branch that has annoying tellers. I've had two annoying interactions with the credit union - and both have happened at that branch. I only go there because its close to Planet Fitness!

If it weren't for the 2.5% interest rate .. I'd seriously be looking elsewhere.

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One week left for my current Stepbet. I'm not sure if I'm going to take a little break or not yet.

I'm still holding strong on the no soda. However, my junkfood/chocolate consumption is really, really bad. So bad, I've gained back at least five pounds.

I wish I could find the same willpower with chocolate that I'm having with soda. If I could, it'd make my exercise more beneficial.

Sigh. Maybe turning 41 on Thursday will be a turning point. Probably not.

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Big non-surprise - got an email letting me know I wasn't hired for the job I interviewed for. Sigh. It'd be a bad time to leave my boss now anyway. We're still getting everything worked out with the new routes and tweaks to the schedules.

Had a new light duty person start on Friday. Just as I was enjoying having my space back. She's nice and all ... but will be there at least a few months...

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Spent more money at the Vet. I managed to get a urine sample for Kari - the vet said it looked better, but the UTI wasn't cleared up. When I told him what a difficult time I'd had gyving her her pills, he suggested an injection. So .. that's what we did. Not sure if i's helping any yet or not.

One of our cats has taken to bullying her. Multiple times I'm startled awake to the sound of her mountain lioness scream as she's chased through the house or cornered.

I really wish I knew what to do to make it better.

17 Responses to “Got Our First Property Tax Bill, etc”

  1. crazyliblady Says:

    I would ask to speak to a manager about the banking issue. If you have been using the account for months now with no issues and all the paperwork was filled out, this teller probably doesn't know what she's talking about. Could she be accessing the wrong account, like someone with a similar name? similar account number?

  2. FrugalTexan75 Says:

    If something similar happens, I'll probably do that.

  3. VS_ozgirl Says:

    Sorry to hear about not getting the job and about the stupid bank, ugh! And the cat (though I can sympathise, our cat is now 14 and we have just had to bar her from nearly all carpeted areas because of accidents. She has a brand new bed which she really loves which is easing the blow slightly).

  4. FrugalTexan75 Says:

    Thanks VS

  5. rob62521 Says:

    Sorry about your not getting the job. Your banking issues...yuck. I agree, with crazylibrarylady, speak to a manager. Maybe the bank changed computer systems and the info is lost to those who don't know how to find it. Could you on the refund check just put "for deposit only" on it and put it in your account? $15 is $15 after all.

  6. FrugalTexan75 Says:

    Thanks Rob.

    I'll try depositing it like that - at the branch I've had no issues at.

  7. starfishy Says:

    Sorry about the job - bummer. glad the vet suggested a shot for your kitty's meds. i went that route when my cat had a bladder infection (maybe it was UTI?) and it was so easy! i was happy they suggested it, because i couldn't imagine wrestling with pills. it was so worth the extra cost.

  8. scottish girl Says:

    I don't think you should try to cut out chocolate completely, I think you still need to treat yourself occasionally. How about getting a really good dark chocolate and rewarding yourself with a few bits of that? If you're going to eat it, it might aswell be good, right? Just an idea.

  9. alice4now Says:

    I can sympathize on the junk food/chocolate. I think I'm up about 5 pounds myself, over these last couple months. New week, though.

    You and I are close in age, I'm 40 as well.

  10. PatientSaver Says:

    Sorry about the job not working out. There's something better for you out there. And you're doing great with the no soda deal. (I also gained 5 lbs recently, most likely due to dark chocolate.

    Just FYI having worked at a bank, even if it was the bank that lost or misplaced your husband's ID, if they can't find it, they will require your husband to provide it again. Banks have very strict KYC rules to protect against fraud. That stands for "Know Your Customer," and it's considered the first line of defense against fraud or money laundering. My bank would sometimes have to actually close down existing accounts becus for whatever reason the documentation/info collected at account opening was incomplete, again, for who knows what reason.

  11. MonkeyMama Says:

    Can you mobile deposit or ATM deposit? No one looks at those things.

  12. Frugaltexan75 Says:

    Thanks Starfishy. I was glad for the shot too. So much less stressful for both of us.

    Thanks SG. If I liked dark chocolate that might be a solution. Smile I've tried cutting chocolate completely before - never managed more than a few days.

    Thanks Alice. We are close in age. Smile Why do they make chocolate so good? Smile
    Thanks PS. I hadn't heard of that before. You'd think though if it's their fault they'd be more polite in pointing it out ...

    Monkey Mama -
    Nope. Part of dealing with a local credit union. Although I do still have my ING account- I could put it in there and transfer. Hmm ..

  13. PatientSaver Says:

    No, banks will never apologize if they can avoid it becus it could be viewed in court as an admission of guilt.

  14. Frugaltexan75 Says:

    I guess that makes sense. Still a good way to lose a customer.

  15. Suzanne Says:

    After 12 years of marriage I still get checks in my former name! I sign my former name first, then underneath my current name. The bank told me that years ago, and I've never had a problem.

  16. Frugaltexan75 Says:

    Thanks z. If it was just in my maiden name, that'd be one thing. But it's in my spelled wrong maiden name. I'm going to try it on Friday at the branch I've had no issues at. If that doesn't work, then I'll try mobile deposit in my ING account.

  17. Frugaltexan75 Says:

    Thanks *Suzanne

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