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October 7th, 2011 at 12:56 pm

After spending much time last night trying to figure out which credit card I want to pay off first and my budget for this month, I logged into my bank account and saw that I forgot about my autopay for my Citicard. I figured, I'd do autopay for my credit cards but realized last month that it's not for me. I need to physically log onto my accounts, look at the balances, check out interest rates, etc. then make my payments to know what's what. Turns out I forgot to undo the Citi autopay so I made an extra payment in the amount of $355. Yikes. My budget might be shot.

I started to panic until I realized that it's overpayment on a credit card so if I have to, I can pay my phone bill and/or cable bill with the credit card. As opposed to if I overpaid my student loan, I would be screwed. I think it might be a fun exercise to see if I can make it through the month without using the credit card. If I need to, I'll have the credit card to use.

2 Responses to “Whoops!”

  1. LuckyRobin Says:

    Sounds like a good plan.

  2. Jerry Says:

    That is true, you have that credit card account as a backup if you need it now... that should lead to a bit less worry! Hopefully you don't need it, of course, but it's nice to have that backup as insurance.

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