Remember that happy feeling you get when you find a forgotten £10.00 note in your pocket of a winter coat or last seasons handbag?
Well, I had that feeling only times 10 the other night!
Settling down with a coffee ad watching TV
How I hear you ask? As I sat on my sofa with my feet up drinking a well-earned cup of coffee.
While I was watching my favourite TV program, hubby walked past our mail and calmly picked up the bank statement.
Usually it’s me, but he me beat to it this month !!
Yep, I know. I’m still receiving paper statements, that I like to keep and file away. Then if I have a query in the future, I have a baseline I can use as a reference. (It’s a having worked in finance thing).
Hubby and the bank statement
As hubby walked across the room towards the sofa with his coffee, he began to open the mail. Then as he sat on the couch, he started to glance at the bank statement in a relaxed manner
He then asked” Fancy doing the banking now?”, while waving the statement at me.
“Yeah, why not” I replied as I put my TV Program on hold.
Keeping track of our hard-earned money
Do we talk about money together? Yes, every day. We check our bank statement together every month. It usually takes about 20 minutes to review the account.
He then askes “ how much did you spend on shopping this month?” I reply, and he confirms that that’s the amount taken from the bank.
We check all the outgoings, including our Direct Debits and make sure we’re not paying something we’ve cancelled.
Food, petrol, rent, council tax, TV licence, water, utilities, and mobile phone are correct.
Why do we check them? To make sure they’ve paid them and that they haven’t overcharged us.
And then he asks “There’s a company that has taken a payment twice this month, is that correct?”
“Who?” I ask he tells me and I reply “No, that’s not right”. Immediately I go onto the company webpage and use live chat to talk to customer services.
Can I have my money back, please?
I tell them I think I’ve been overcharged and can they refund me?
After checking my account, they agree and refund me my £100.00 immediately, which will take 5-10 working days to get into my account.
Which, of course, will be reviewed next month by both my hubby and me!
So I quite literally found £100.00 while watching the TV and it wasn’t down the back of the sofa! Which made my evening.
Why do we check our account together?
It’s just more accessible, and we can bounce ideas off each other. The most important thing is to make sure we haven’t overpaid.
Every penny that leaves our account we have accounted for. It’s easier to correct any errors in the relevant month than retrospectively.
Even if we had separate bank accounts, we would still check the outgoings, only individually rather than as a couple.
What if I hadn’t checked?
Suddenly it dawned on me, what if we hadn’t checked the statement, would we have ever realised the overpayment? So checking the bank statement worked. It saved us money.
Please leave a comment with any hints and tips on how you keep track of your money; it will be great to hear from you.
Christmas Count Down
There are 20 weeks today, until Christmas day, so 19 weeks to save up for the significant Christmas spend.
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Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ
Presenting as Debt Talk Ltd
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