G-man watched me mess with the car loan accounts. He didn't ask what I was doing. He didn't comment. He just watched. It drives me nuts that he is so passive....but that isn't the point of this post. The point is that I get a bug in my bonnet about something, and then I have to fix it.
The car loans are autodebited from my old checking account at the credit
union (opened in 1990!!). Money is direct deposited from our pay, and
they take out the payment. Because of 26 paychecks and dates that
things get deposited, I keep a small buffer amount in the account. If
the buffer get too big, I transfer it to the EF. But there is usually a
few extra dollars in the account.
Yesterday's "bug" was the current amount owed on each car. G-man's car was $4201.24, and mine was $6707.85. They were both so close to rounding down to a nice, neat 00.00 number. So I fixed it. I transferred $1.24 and $7.85 to the principal on the loans. Now they are $4200 and $6700, and I am happy.
I round stuff all the time. All the bills get rounded (easier math in the checkbook). If I over pay a bill, I get a small credit for the next month. Some bills won't let me round....I don't like those.
Just like a weekly treat adds up over time....the little snowflakes do too. :)