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Current Financial Doings

August 23rd, 2014 at 10:24 am

This is what I'm currently working on in my financial life:

1. Changing Primary Bank: Remember the old Neil Sedaka song (They say that breakin' up is hard to do, now I know I know that it's true ...)? "Conscious uncoupling" with your primary bank is definitely not easy in this age of automatic deposits and payments, and linked accounts. I freely admit to being a rate chaser who changes banks easily, but that has been true only of my secondary banks not my primary (local) bank. I should have broken up with my primary bank about 2 years ago when the interest rate they pay dropped significantly (following a merger). But I held on because: there wasn't a better alternative, and I knew it would be difficult. Now I HAVE found a good alternative, so the process of getting everything switched over to the new bank has begun. The list is pretty long.

2. New Estate Planning Documents: In 2009 when I did our wills DH & I had some "discussions" about whether to use an attorney or DIY. The compromise we agreed on was that I would DIY (DH's preference) if he would agree that we would hire an attorney to prepare documents (my preference) after we turned 50. Our 50th birthdays have come and gone. I got recommendations for attorneys in our area, left a message with one, and am expecting a call back on Monday.

3. Researching Cell Phone Plans: Our AT&T contract is expiring. I'm researching plans. Unless there is a compelling reason for us to use the same provider, I may go with Republic Wireless for me and another provider for DH who makes a lot of international calls. Do any of you who make international calls from your cell phones have recommendations?

3 Responses to “Current Financial Doings”

  1. rob62521 Says:

    Changing banks is a pain and old Neil had it right romance and banking both!

  2. starfishy Says:

    what new primary bank did you choose? most people i know who make international calls use skype, but not sure if that is still the best option these days.

  3. scfr Says:

    We ended up keeping AT&T after DH called them and they dropped our monthly fee by $25 with no contract. The cell phone contract is officially dead, isn't it? If AT&T hadn't dropped our rate we were going to go with Sprint for DH with their $15/month international plan added on. I was leaning toward Republic Wireless. What I plan to do now is keep an eye on Republic Wireless and if they add international calling we may make the switch at that time. DH does use Skype when he's in the house but he is making international calls all the time (when traveling, out and about, etc.).

    I also cancelled my Netflix account (saving us $5.40 per month), cancelled a credit card, closed one secondary bank account, and am going to close another secondary bank account on Monday (I opened it only for the bonus).

    I seem to be on a bit of a "Fall Financial Cleanup" kick!

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