<blockquote><b>Quoting she nan igans:</b>" lol. What I meant was it seems like you like having that extra money to spend. You intend to spend ... [snip!] ... money, then obviously it's a bad idea. If you plan to spend that full 300, then leave it in checking like you're doing."</blockquote>


Oh no. I have been leaving way to much in there in comparison to this poll. Our extra spending isnt more than like 200-300 a month with how little dh and I are together with work. We do datenight once a week and take dd out once a week but that's about it.

After noticing that 2k has gone untouched for the 2nd month I realized I have no method of my checking account. That's why I posted this and obviously I am way off. Lol

5K plus. I don't even smurf with savings... it all just stays in checking. Lazy? Yes. haha

Quoting T-Swizzle+2:" 5K plus. I don't even smurf with savings... it all just stays in checking. Lazy? Yes. haha"

And dangerous. What if your account gets hacked or your debit card gets copied?

<blockquote><b>Quoting T-Swizzle+2:</b>" 5K plus. I don't even smurf with savings... it all just stays in checking. Lazy? Yes. haha"</blockquote>


Lol, I have 2 savings accounts. One dh can't touch.   Nah, it just is the account my school money gets deposited to that neither of us touch til its time to buy books and all that expensive, fun stuff that goes along with college.

Quoting Sarah Bare-ah♡:" And dangerous. What if your account gets hacked or your debit card gets copied?"

The bank would cover it.

Quoting T-Swizzle+2:" The bank would cover it. "

not that easy to prove, and it can take a LONG time. and, any bills that are late int he meantime.. too bad.

a friend of mine had his identity stolen. Cleaned out his bank account.... just as he had checks sent out for bills. They all bounced. Bank had to cover hte amoutn stolen... took weeks. He had his power turned off, and many places waived the NSF fees, but still tacked on late fees because he couldn't pay his bills.

We try to have no less than 2,000

I have four accounts all up.
- $800 in one.
- $2 in another (we transfer money in to pay bills)
- $150 in another (to live off of til Thursday).
- $400 in another.

<blockquote><b>Quoting snglemama:</b>" not that easy to prove, and it can take a LONG time. and, any bills that are late int he meantime.. ... [snip!] ... had his power turned off, and many places waived the NSF fees, but still tacked on late fees because he couldn't pay his bills."</blockquote>

Oh wow! That's horrible. Was he able to recover from that ok? I couldnt imagine. MIL falsely put her cable in DHs name and let $500 bill go to collection which we didn't find out about until years later, but holy hell...that is nothing compared to that poor guy.

I'm a server, so the vast majority of my "paycheck" is cash everyday. I only put money in the bank when it's going into the savings account or needed for bills. Normally, I have less than $50 in my checking account.

<blockquote><b>Quoting snglemama:</b>" not that easy to prove, and it can take a LONG time. and, any bills that are late int he meantime.. ... [snip!] ... had his power turned off, and many places waived the NSF fees, but still tacked on late fees because he couldn't pay his bills."</blockquote>

This is how I was going to respond. DHs debit card was duplicated and used to purchase gas in a different state. And then in some other things right before he deployed it sucked. We had to dispute the charges and turn off his card, which he really could have used while traveling. It took almost a week to get our money back which is nothing compared to some situations. Thankfully we didn't overdraw.

Was your friend able to recover ok? Was his credit wrecked for awhile?

Quoting Always♥Faithful:" The point is to spend it. It's nice to treat ourselves when we work so hard for the money. We have more ... [snip!] ... hurting if we spend a little extra money on ourselves once in awhile. We never go overboard, mostly because I'm a tightwad. lol"

Wow you have 2 years worth of bills saved already and your only 23! Most early 20 year olds I know are just starting out and have no where near that type of money saved. You guys seriously must make bank to have that type of money saved aready, lol. But to answer your question, we only leave $50 max into checking after bills are paid, food is bought, gas in cars.... We have certain amounts transferred in its account directly, ira, kids college funds and our savings. Anything extra after bills goes into savings as well. UNLESS we are buying the kids clothes, were planning on going out to dinner, car needs to be inspected that week stuff like that. But that is not every week. What im trying to say is we do not do random purchases to treat ourselves weekly, if we need to buy something that week, I will leave enough in checking to cover it. Other then that it all goes into savings

<blockquote><b>Quoting Chase and Brayden's mommy:</b>" Wow you have 2 years worth of bills saved already and your only 23! Most early 20 year olds I know are ... [snip!] ... if we need to buy something that week, I will leave enough in checking to cover it. Other then that it all goes into savings"</blockquote>

We live very minimally so it has made it easier to save with very few bills and my husband got a pretty decent re-enlistment bonus.

2000 or thereabouts. I pay for everything with debit so if I get caught somewhere and need a larger amount, like the time our car broke down in Lost Hills California (seriously, it was indeed LOST), I want to be able to pay with debit or cash.