Online banking saved the day!

I was almost overcharged by $500 this week. I hired a repair person to do some work in my home. I'd hired him before, so I had a level of trust with this person. Also, because I'd worked with him in the past I didn't request a quote ahead of time (big mistake). I assumed his fee would be the same as last time, maybe slightly higher for inflation.

His invoice was $500 higher, for the same service. I was in shock. I wrote him a check and went about my day, trying to figure out what went wrong. He had charged me $600 for a cleaning solution. I couldn't dispute it but it just didn't seem right. Certainly not asking for a quote in advance was a big mistake I'll never make again. I wasn't sure what to do.

That night I couldn't sleep. I got up and through online banking, put a stop payment on the check I wrote him. I figured it would give me a chance to find my old receipts, get other quotes and figure out why his invoice was so high. Also, I figured if he can show me proof that his cleaning solution cost $600/gallon, and he can show me documentation that a home my size required a full gallon of solution, then I would pay $800. I had every intention of paying him a fair price, and I contacted him in the morning to tell him his check would not clear to prevent further problems for him. I asked him to fax me a receipt for his cleaning solution and manufacturer's documentation that justified an entire gallon for my home.

Then, I dug out the old receipts. Sure enough, his last invoice for the same exact service, was only $300. He had over charged me by $500. In the days that followed, I never received the proof I requested to justify his charges. So I mailed him a letter and a new check for his services in the amount of the previous invoice plus 10% for inflation. I hope it ends there!

The lesson in this story: beware of scam artists. Times are tough and many people are in dire situations that cause them to take drastic measures - sometimes unethical. Be aware and cautious with your money at all times, but particularly these days. I was grateful for the technology of online banking that night, it saved the day!

"You've Got Money!"...what a great email to get!

I'm beta testing the credit union's new Email Notice service and it's pretty cool! While hiking in the woods in Natural Bridge State Park in Slade, Kentucky this past weekend, I got an email on my mobile phone with a subject line that said, "You've Got Money!" and the message was about my paycheck that was deposited to my account that day. Cool. Gotta love technology. (Here's a photo of me and my daughter...hiking in the woods when I got the good news!)

Other notices I'll get include a withdrawal of a certain amount, a check that clears, an overdraft :-( ...don't want to get those, but it'll be nice to know ASAP if it happens.

Email Notices will be available to all members mid-July - if you have online banking with a valid email address, you'll automatically have Email Notices, just go in and set up your preferences. If you have a checking account but not online banking, what are you waiting for? It's free and it'll allow you to get Email Notices. Sign up at eHawthorne.org.

Time to stamp out bill paying by mail

TIP #50: Eliminate postage with Billpayer, save about $100/year.

If you're like most Americans, you pay 20 to 30 bills per month. So for those of you still "going postal," the 44-cent stamp will cost you between $8.80 and $13.20 per month. You may be thinking, 'big deal," but by using Online Banking you could have an annual savings of over a hundred dollars.

Staying Organized, the Job is Endless

I don’t know about you, but I am constantly working to keep myself organized. Whether it means making lists or folders to file things in, the management of “stuff” never seems to end. Between work, finances, household chores, Zach's toys and school projects, it is like a bottomless pit that I can’t get out of. The only solution to avoid complete chaos that I have been able to come up with, is to never fall too far behind on anything. That can be easier said than done.

My neighbors always ask how I do it. Anytime they stop by, the house is never messy and nothing seems unorganized. This of course is not true. There are always things that are just waiting for me to get them done or in a pile, hiding in a closest.

My daycare lady, who is also a neighbor, always says that my worst day is a lot better than her best. But, she runs a daycare and has four kids of her own, so I am always in amazement at how she can keep up with everything.

Now, I am going to share one of my quarky secrets with you. I have been doing this since I lived in my first apartment after college, and the highlight of my Wednesday was to catch the back to back episodes of 90210 & Melrose Place, (about 15 years). I would clean during advertisements. During the advertisements of those two shows I could get the apartment cleaned. It is amazing how much I can get done in such a short period of time, especially when I know that you can sit back down on my lazy butt, in just a few minutes.

Since then, the space has changed a few times and more advertisements are required to accomplish things, but it still for the most part works. It drives my husband crazy because I am constantly up and down, but the alternative of a messy house is not a good option for him, so he has gotten used to it, plus sometimes he helps.

I just never (make that almost never) sit and watch the advertisements or fast forward through them with our DVR. It may seem a little crazy, but it is a lot easier that doing continuous work. It is nice to be able to break the jobs into simple tasks that I can do while catching an episode of Desperate Housewives.

I am often amazed at how little time it takes to do some of things around the house that I hate doing. For example, I can usually come close to getting a load of laundry folded during this time, or empty the dishwasher, clean out a drawer, vacuum or, take out the garbage. The list seems to never end.

My least favorite thing to do, but the easiest to get done, is paying the bills. Thanks to the great Online Banking and BillPayer service that Hawthorne provides, I can easily have a stack of bills taken care of in less than 5 minutes. I just click on the QuickPay button and go down the list, pay all the necessary bills and click submit. It could not be easier.

Sometimes, I also read organizing books, or catch a good organizing show on TV. I don’t think I will ever have the concept mastered, but a least I try. I still have piles of pictures in a closest waiting to be added to yet another picture album, and as soon I get that done there will be more pictures. Or, as soon as I have sorted through one pile of mail, there is another. The mailman never stops coming. I guess that is just how life goes. We never run out of things to do.