Abigail

Abigail

120p

6,803 comments posted · 0 followers · following 0

14 hours ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Yikes, I hadn\'t even considered the idea that the card company would cancel/upgrade a card without being able to notify you. Yet another reason to have a backup, though I\'m glad you were able to sort things out over the phone. In the age of cell phones, I suppose that\'s more and more of an option but yikes again!

14 hours ago @ I Pick Up Pennies - Why I won't do a CD la... · 0 replies · +1 points

I hope you\'re able to find that extra $25. I suppose that\'s a better way to get the money than tying up your funds for 12+ months. Good luck on the home stuff!

1 day ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

I\'d forgotten (if I ever knew) that you\'re a fellow Phoenician! I think -- especially when the temperatures breach 110 -- it\'s good to have the option of not leaving the house (or leaving it as little as possible). And yes, it\'s also just good in case you don\'t feel up to going to the store.

I do need to get myself a stash of emergency cash. If nothing else, so I don\'t have to run to the ATM every time I have the yard guy come out (every 6-8 weeks). But I do heartily recommend (obviously) a second card. Might I suggest the Citi Double Cash Card? Might as well get 2% back on whatever you end up buying (even if it\'s just in emergencies) and there\'s no annual fee. No welcome bonus, though, but if it\'s your emergency card, you probably won\'t be spending enough with it for a bonus anyway.

1 day ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

I lost my oldest card (which I\'d had for around 12 years) because I stopped using it. I\'m sure my credit took a hit, and that was when Tim and I were dealing with a lot of debt. So I needed all the FICO points I could get!

1 day ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Cash is also good, but again what if a large emergency reared? Like a car repair? How much money are you willing to keep lying around in cash in your house?

2 days ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Good to know about just being a little pushy. But given that I was the one at fault, I doubt I\'d have had it in me to push for overnighting it. Still, good to know if next time (god forbid something happens) it ISN\'T my fault.

2 days ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Oooh, that\'s a smart setup! I want everything to get 2% back, so I can\'t do that. But for anyone who has equal rewards cards... Definitely a good way to go.

2 days ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Yeah I knew about the freeze option, but if I were going to wait 6 days to get my card I figured I could just skip going downtown altogether and ask for a new one. Like I said: lazy route.

2 days ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

My emergency fund wasn\'t $170. That\'s how much I had left in the secondary account before my paycheck arrived (which was going to be either Saturday or Monday). Plus I had enough left in my weekly funds to cover the night out which, no, didn\'t include free drinks or food lamentably. I know going out to a club can be pricey (in this case it was around $40), but it\'s worth it to me to have a little fun in the here and now, while mainly saving for the future.

As for an open tab, luckily, I charged each drink separately, so no open tab to be had. But yes, that can be an issue. Or they tip themselves quite generously if you leave your tab open over night. Either way, not something you want to do. And haha I like your analogy. Definitely a way of thinking about the situation that I hadn\'t considered.

2 days ago @ I Pick Up Pennies - Why everyone needs two... · 0 replies · +1 points

Yeah that\'s why I need to get better about notifying my credit card company when I go out of town: to avoid any potential appearance of fraud. This is a good reminder! I\'m glad your husband did have a backup card and that now you\'re always safe in having multiple options. Hopefully, ones with no foreign transaction fees!