tag:blogger.com,1999:blog-278794854156483859.post6437306719295926861..comments2023-10-29T08:16:13.473-06:00Comments on Beyond the Consumer: Firing your bankBeyond the Consumerhttp://www.blogger.com/profile/16880781143933380601noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-278794854156483859.post-9065028241042860202007-06-21T20:02:00.000-06:002007-06-21T20:02:00.000-06:00I thought my system was complex. When I got my hou...I thought my system was complex. When I got my house I ended up going through another bank to get my mortgage, and got a rate deduction by opening a checking account with them, direct deposit my paychecks to it, and doing the electronic payment of my mortgage. What is left over I transfer (by depositing a physical check) to the bank I have my checking/savings account at. The only reason I keep using my bank is tracking debit/pin purchases and such (my other bank runs 1 day behind). I have an emergency fund in my saving account (way too accessible) which I have thought about putting into a high interest checking account at ING or HSBC.<BR/><BR/>I like your system with paying those irregular bills. When I get to June and December of every year the car insurance throws me for a loop. This year I'm earmarking a 'payment' to myself to hold over so I don't have to worry. Christmas also seems to jump out at us even though it's always in December. As a kid I loved Christmas and last year I feared it, which is when the gravity of my debt hit me. So I would like to save for that too and it won't put me on edge this year.Anonymousnoreply@blogger.com