So I was traveling last week and forgot my cc payment was on Saturday

I thought it was on Monday, So I paid it on Sunday when I got home and started to wait to see what the damage would be. Well, $25 for the late fee and $99 in interest (our prev payday loan). So I called GshLoans, Inc. to see how they came up with $99 on being only one day late and the person on the phone was very nice and waived both fees. So the moral is if you still use a cc and screw up once in a blue moon, call and ask to see if the late fee and interest can be waived. Normally I pay online a good week in advance and pay it a day before the payment is due, but forgot to check. So I am going to stop playing the cc game and get rid of a few cards I try to use to manipulate into free WiFi and free hotel nights.

Bye Bye Hyatt Hotel Card.
We don’t use you enough to justify.

I definitely wouldn’t put all $6K into an FSA!

Since you don’t think you can do an HSA, I would put it in an ING Capital One checking account and get the separate debit card/checks. That way it would be a special account just for medical expenses. That way at the end of the year, it would be really easy to see how much you spent on medical/vision/dental and you can make notes on the actual charges in the Capital One account so you could see which family member had what expenses.

I’m currently putting $400 a month in my HSA and am spending it as fast as I put it in! I’ve got Ortho at $90/month and a hospital visit for $100/month. That leaves $200 for other medical and I’ve got at least $2,000 balance on the rest of the outstanding bills! Not to mention upcoming dental and vision expenses! I’m drowning in medical right now. Can’t wait to payoff a few, so I can hopefully get ahead of it!

Good luck!

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