So I’m kind of weird. Scratch that. I’m really weird. Actually, I’m willing to bet you are just as weird as I am. Why am I weird you ask? Well, I’ve realized I have some awkward money habits that I thought you all might enjoy hearing about…
Tipping on a credit card.
Whenever Girl Ninja and I go out to dinner, I always tip enough to make the final bill a whole number. If the dinner bill is $23.45 I would tip $4.55 so the overall total was $28.00. Does anyone else out there do this?
I’ve wrote about it before, but I hate keeping cash on me. I know you credit card haters will say “Studies show people spend more when they use a credit card…blah blah blah” but I’m a ninja and I’m not bound by statistics and science. If I have cash I spend it. It doesn’t hurt me at all to drop a couple benajims, probably because I’m too lazy to track my cash expenses. With my credit card account, my balance automatically syncs to Quicken and shows me exactly how much I spent at Store XYZ today, yesterday, and even last year. I hate debt, but I sure do love my credit card.
I have three savings accounts with ING. My emergency fund, a wedding fund, and an extra savings fund. I decided a while back, I will always make sure I have $10K in my E-fund just in case I lose my job…or need to buy a kidney through the black market. Each month my $10K E-fund get’s credited $9.16 in interest. Instead of letting this account slowly grow, I immediately transfer the $9.16 to my “extra savings” fund to ensure my E-fund is ALWAYS at $10,000 and not a penny more. Again, it must be something to do with nice clean whole numbers.
Organizing my money.
Like I mentioned above, I don’t like carrying cash on me, but since I do quite a bit of tutoring, I accumulate a couple hundred bucks each month. It’s not uncommon for me to walk to the bank with $436 to deposit in to my checking account. When I am at the bank and filling out the deposit slip, I have to take extra time to organize my money. I make sure all the bills are facing the same direction and that they are ordered from highest denomination on top to lowest denomination on bottom. I think deep down inside I must be insecure, because part of me desperately wants the bank teller to profess to the entire branch that I am their favorite customer since I’m so organized. Yeah, I know. I have issues.
Obsessively checking bank accounts.
I bet quite a few of you are also guilty of this. I probably look at my checking and credit card bank accounts three or four times a day. Don’t ask me why. Every time I make a purchase on my credit card, I have to check to make sure it appears in my account balance. I think I must be scared that some restaurant is going to charge me $250 for dinner instead of $25. As if that isn’t bad enough, even when I know I haven’t spent any money and I know that I’m not getting paid for another few days, I still have to check my accounts. I don’t know what my deal is, but I HAVE TO check my accounts EVERY SINGLE DAY.
Aside from my finance related quirks, I also hate seeing the battery meter drop below 100% on electronic devices. I hate starting my car, ’cause I know each time I do, that is one less start out of it’s life. And I frequently put headphones in my ears, even when I’m not listening to music.
It’s Friday, so I’m hoping you will be a little vulnerable and share some of your silly money and non-money related habits. Do you sanitize your hand a bajillion times a day? Does your money have to be placed a certain way inside your wallet or purse? Or maybe you pick up every coin you see on the ground…even super dirty pennies? Come on people, share your quirks!