This is probably going to be a short entry.
It will take much longer to write because I’m actively avoiding checking the bank balance.
There is nothing more I can do. I have a long term plan and am sticking to it, I didn’t waste money or spend it frivolously. My decision to change from paying down debt to having an emergency fund was basically a perspective shift, nothing more.
Mr. Brickie’s union meeting went really, really well. All indications are that people think he’s going to go places. His foreman on the job is teaching him about bidding and estimations because, “When you’re a foreman, you’ll need to know this stuff.”
Everyone assumes he has a bright future. I know he does.
I just wish the future paycheck could come a little bit faster. I always knew this was going to be a “down to the wire” situation and like I said yesterday, most days I just stay in the now and think about today because we chose this path two years ago and it has gone as planned (a little slower than planned, but you can’t predict things like Mr. Brickie’s first year with the union being “the slowest year in bricklayer history” for all the members.)
So I need to reel in my perspective from here, there, everywhere, future, past, alternate futures 1-458, and get back to focusing on today. Doing the actions I can today to move closer toward my goal.
I am nervous but it’s not like my bank account is Schrodinger’s Cat. What’s in there is in there whether I look or not.
Mr. Brickie’s current company doesn’t have direct deposit. He’s getting a paper check today and if the bank is close he may be able to cash it but otherwise we’re going to have to wait days for it to clear in the bank account.
So I guess looking did make it not be there.
I texted him to let me know the amount of the check and the bank it’s drawn on so we can plan our next steps.
|+ $42.00||Already in Bank|
|– $200.00||Living & Tolls|
|– $95.00||Net10 (cell phones)|
|– $100.00||Emergency Fund|
|= $24.00||Leftover (To Credit)|
I probably need to put the lines in the spreadsheet differently so the $40 in tolls per week is on a separate line because that gets paid to the credit card. Since the other auto-billed things on the credit card are the Internet, hosting, and domains I do need a little extra per check to go on the card and so even if Mr. Brickie has not used $40 a week in tolls that money still comes off the top and goes toward the credit card so there aren’t any accidents or “oops” moments that put us over limit or cost us a late fee.
Also, it turns out the bank is less than a mile from the job site he is currently on, but because we have Capital One 360 checking there is no way for us (in this area) to deposit cash into our account. Doing the “snap a picture of the check” method can result in days of the check being held.
I hate when he works for companies that don’t use direct deposit.
Is it worse to wait a few days for the check to clear through the online deposit system or is it worse to get the check cashed and use the cash to pay the Net10 (you can buy a refill card at Walmart) and pay the Tolls + Leftover money to the credit card ($1 fee to do at Walmart).
I get how people go through life without a bank account. It used to seem like a mind blowing concept and I couldn’t imagine. Now? I don’t have to imagine. It’s a legitimate choice. (I would consider getting a local bank but without direct deposit or a minimum balance I’m poop out of luck for an account that won’t charge me more in fees than Walmart does to pay my bills.)
We should really consider signing up with the credit union. I think we can join the AFL-CIO credit union which has sister branches everywhere but I’m not sure what’s involved in that and if the online banking is up to snuff since the website for the credit union looks circa 2003. Really, what’s the difference between taking a picture of the check and depositing the check in a local brick and mortar bank? Both are going to make me wait for the check to clear.
But if the bank of the company is local it can be cashed there and then the cash deposited into our local bank.
This whole thing is making me tired. Today’s batch of banana bread is out of the oven and I promised Little Sister – who is really sick right now – we would make cookies together today. You know, so we can get the rest of the family horribly sick. (Even though we will wash our hands she’s still gonna breathe.)