We have been working for the past few months on getting all of our accounts in order. We had a huge sum in savings that was used to purchase the house, but since then everything has remained the same. We haven’t met the minimum balance in our account, so they charge us a monthly fee of $32.00! Really??? Most of the banking I do is online or through the ATM machine. It’s just convenient and I don’t have to talk to anyone. I also can’t go into the building because I’m not taking three kids and the “Demon” child in with me. So anytime a trip inside is required, I send the Chef! He finally went in last week and got everything switched over the way it should, and hopefully we won’t be seeing anymore of those ridiculous charges.

The Chef is starting to look into credit card companies. He needs an expense account for work, and wouldn’t mind the freedom of having a card in his pocket in case of emergency. I am not a “credit” person! Never have been, so I leave this little adventure up to him. He is looking for the ‘whole package’. He wants points, a low APR, credit card applications for Irish customers, fraud protection, you name it–he’s being really picky. I do appreciate this because you can get in trouble with credit and dig a hole you can’t get out of.