Fiscal Responsibility: The gov't isn't setting me an example. Maybe I can set an example for the gov't.
April 30, 2009 5:25 PM Subscribe
Personal Fiscal Responsibility. Help me turn over a new leaf (and keep it turned over). Looking for a new bank and some advise.
posted by silkygreenbelly to work & money (14 answers total) 9 users marked this as a favorite
My track record for being responsible with my money is not very good. Over the past 10ish years I've lived paycheck to paycheck with only a few short stretches of managing my money well. I need some advise in the following directions:
1. A new bank: "Christine" from Wells Fargo just cheerfully agreed with me that my financial life sucks, but the issue in question "wasn't the bank's error" so she was going go ahead and let Wells Fargo fuck me over $80. I'm sick of Wells Fargo's bullshit banking practices*.
I've looked through previous askme's but some of them are pretty old (ie recommending BoA). I've heard about ING Orange Checking seemed to be all the rage a couple of years ago, is it still good? Are their better alternatives? Requirements for a bank account would be: no minimum amounts required, no annual fee (unless having direct deposit gets it waived), free electronic transfers to other peoples bank's accounts at other banks.
2. Tips, tricks, advice, links to blogs (besides get rich slowly already know about that one) or classes in the Seattle area, on small personal finance management, how to curb spending, but most of all how to stick to it.
3. I currently have only student loans and I am concerned the fact that I do not having any credit is going to screw me over when I eventually need to get a car of my own (currently using my sisters until november). I have tossed around the idea of getting a credit card for a dedicated expense (like gas). Bad idea? How would this work with money management?
*I asked why they took out my withdrawls largest to smaller and she said it was because most people don't want their largest checks to bounce. I asked why it would matter when WF doesn't actually seem to bounce checks, they just "overdraft" the account and she told me it was because they can technically return checks if they choose to and they might want to (at some ill-defined point) decide to return a bounced check instead of charging overdrafts.