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Last month, I earned a very little bit of interest on
the money in my savings account - exactly ten cents (10¢).
Yes, that is not very much interest at all; I agree. Of
course, this piddling amount of interest is not what
inspired me to write and post this blog. When I checked
my savings account statement online, I noticed that the
bank charged me a two dollar ($2.00) fee. When I emailed
the bank to find out what it was for, I was surprised.
It was not a mistake. My savings account has a minimum
balance on it; and of course, I fell below the minimum
balance last month so they charged me the two dollar
($2.00) below the minimum fee.
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As we are all trying to save money, this just goes to
show one more way that I can save money... and not even
have a savings account. Monday, I intend to go by the
bank, transfer the money that I do have in my savings
account into my checking account and close the savings
account. It is not like I need the savings account
anyway. I fully anticipate that the mortgage companies
will come after my personal assets (such as my savings
account) to satisfy the deficiency judgments which will
come about when they cannot sell my property for what I
have in mortgages against them.
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For everyone else out
there reading this blog entry, I encourage you to
carefully review all of your bank and credit card
statements. See if you can identify any charges that you
might be able to eliminate. It might well be worth your
effort and time. If you have other ideas for saving
money, please share them with us. We would all like to
hear.
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