Where’s my Money, My Neck Hurts

autopayYesterday I had a discussion with a friend who made the decision to put their finances on auto pilot. She selected options in paying her bill that would allow for each one access to withdraw the amount of the bill automatically each month when the bill was due. I have heard of this technique before from advisers who teach about time management. Personally I don’t like the idea of it as I can be a total control freak when it comes to finances, but I suppose for some who spend less time than I do crunching numbers it works out to their benefit.

I actually like the little time I spend each month analyzing the bill to see the difference between the last one. If my electric bill is a little higher I question certain things like turning off lights when I am not using them. Cable TV companies are notorious for adding things to your bill and I have caught a lot of this in the past. Unlike most, I like to spend a few minutes each day handling my finances. It allows me to know exactly where I am before I start the day. I know how much is in checking and savings and I know how my investments are doing.

Five days out of the week I am trading my precious time to work to earn money as my wife does the same. The money we earn represents so many hours out of our live’s and each dollar is precious to us. If I am not in control of my money then someone else will be. Each paycheck that I get closer to being completely debt free represents my cause for financial freedom. Even if it’s just a few extra dollars each month that I reduce my debt I know that over time it will add up. Call me cheap or frugal if you wish, I just call myself a financial rebel.

slide-sore-neckAfter a hard shoulder workout yesterday I am sore today. It is that nagging muscle soreness in the back of my neck that tells me that I haven’t worked those muscles in a while. Normally I would go right to working my back today, but with the soreness I decided to just work my abdominals. I have noticed that doing crunches actually makes my shoulders feel a little better.

My blood sugar is still high and my body weight is rapidly increasing but my waist remains the same. Although my blood sugar is a little higher than I feel comfortable with I am going to continue on my mission unless it starts to rise to a point that is unaccepable. I am in muscle building mode and it feels really good. It is fun to think about how much progress I will make before next May.

Blood Sugar- 128, Weight- 184.2

Bowflex – ABS
Bowflex Crunch- 200- 25, 25, 25
Situps- 25, 23, 20

Meals
5:45 AM- Protein Shake (42g)
6:30 AM- Oatmeal
9:30 AM- Protein Bar (30g)
12:30 PM- Pork Tacos
6:30 PM- Beef Stew

About SimpleLivingOver50

At 53 years old I am starting to realize how life changes both physically and emotionally. I strive for a life of simplicity. I am winning the battle with type II diabetes, created a plan to have all debt paid off in 4 years including the house, taking advantage of every opportunity to live life to it's fullest through adventures in nature, hiking, biking, loving and learning.
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19 Responses to Where’s my Money, My Neck Hurts

  1. Sandy says:

    Never give anyone access to your account. Getting them out and getting funds back that they shouldn’t of taken is way more paperwork than you’ll want to do. I had a gym membership quite a few years ago have access to my account. I moved out of the province for work, cancelled membership etc.. By the time I paid attention to them still dipping into my account it was $700. It took me 4 months to collect that money back and a lot of arguing, despite having the cancellation document stamped and signed by their desk. I said never again and it has been never again.l

    Have you looked into turmeric for anti-inflammatory benefits? It’s one of the most amazing herbs we can have in our pantry. I capsule it, buying my own high quality turmeric. When you have time, you should give it a Google. You’ll wonder why it’s hasn’t been a part of your daily life. Give it a look up, you won’t regret it.

    Cheers!

    • I know it may sound strange, but I actually enjoy feeling the pain. I know that I can help it by simply eating a banana each day, but for now I simply like the way it feels. Must be a man thing. 🙂

  2. I’m in my mid twenties. I have very few automatic debits each month. I sit down and pay everything the first business day of the month. It weirds me out knowing someone has access to my account and I don’t get to initiate the payment.

  3. hippyish says:

    My twenties were spent on autodraft just like wanderlust809. Now, I pay each bill at the beginning of every month. Somehow, I now have more $ leftover at the end of the month LOL. Perhaps it’s because I’m in control of where my money is going and actually thinking about the numbers!

  4. New Journey says:

    Feel the same way you do about money….we like to be in control of where it goes and when….and like you we review all bills each time they come in…..sneaky bastards are out there adding BS to the bills, we have caught to many institutions adding this or that and saying they sent us a notice…always a good practice to review…I have to agree with Sandy turmeric is a great anti-inflammatory, and it won’t take your pain away, believe me….but it helps….I do both the capsule and it is sprinkled on everything I cook, its in a salt shaker by the stove….the beast will still feel the burn, but the inside body gets a little relief & it may help your BS #’s come down a little….the banana is good but for different purpose…..just sayin….kat

    • Interesting, I will have to look into growing some turmeric next year. Yea, the autopay thing is just not for me. I cannot give up complete control over my own finances.

      • New Journey says:

        Peter would never have that, we don’t even have a bank debit card…we use credit cards and pay them off each month…I do use bill pay on my bank site so no more writing checks and buying stamps….kat

      • I was doing bill pay through the bank for a while but was disappointed with the timeliness of the payment. I go right to the biller’s website and use my debit card to pay them.

      • New Journey says:

        I agree you have to watch…but I normally pay the day we get the bill so I am way ahead of schedule and when we travel, I know all the closing dates and look up the amount and pay the same day….but yes I agree…..

  5. Mr Simple says:

    We pay too much methinks! I await the age of the proletariat. Thanks to the internet it draws near.

  6. geekkat says:

    No way no how!!! I pay my bills on line but I’ll be darned if I allow anyone to have access to my money…lol!! My husband and myself are a bit too much of control freaks and perfectionists to allow it. We always pay our bills within 3 -4 days after receiving the bills so we pretty much stay on top of everything. I just don’t get how anyone could allow anyone have full access like that.

  7. Ko says:

    Online accounts can be hackable. I would never let a bank or company just withdraw money and me not analyze it. Companies secretly take little stashes of money all the time.

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