Tuesday, December 6, 2011

The one with the overdraft

I knew this would happen one day, & it finally did. Yesterday, we signed the refinance papers on our vacation house, and had to wire the closing funds to our lender. That went off without a hitch. However, Michael had to do the wiring as I had a meeting, & I had the funds in my savings account. I transferred the amount to our shared account & he wired from there. Of course, neither of us noticed that the wire fee has to come out of the account you're wiring from. Despite the instructions we gave to the teller. It was super fun this morning to wake up to the overdraft notice & a penalty. Good times.

Ah, well, lesson learned, I suppose. In other news, I'm so excited that we closed on the refinance! We locked in a great rate (3.75% on a 15 year mortgage) & the goal is actually to pay off the loan in five years. Fingers crossed. M also started the process of paying off his 401K loan, so that should be marked as "finished" in a week or so. Can't wait!

Goals for today:
  • Hit the gym. I'm finally able to run a bit, and can't wait to get back into it! I also need to work on my bat wings (aka arms) :-)
  • Continue to work on our grocery management system. (My fancy/silly name for starting to predict how much we use of each item, so that we buy on a regular schedule before we run out. End goal = grocery store 1x/week.)
  • Clean the fridge! For real, this time. ;-)
  • Plan our weekend. We're getting together with friends, the kids have various activities, and we might go skiing.
  • Eat well! Less than 1500 calories, and healthy choices.
  • Take a bubble bath!
What's on your list for today?


  1. Congrats on your refi! I know that feels good. And 5 years for a payoff goal...that's amazing!!!