Before our D-Day (debt acknowledgement day), I never logged into our bank account on line. The only glimpse I saw of our money situation was the balance on the debit slip taken from the ATM. Even that was falsely reported as it showed the amount of cash we had + overdraft available, making it seem we were ‘richer than we think‘. No visibility on that little slip for: credit cards, line of credit, mortgages or car loans. Talk about only showing the tip of the iceberg!
In fact, when I realized that I had to get involved and take responsibility for our financial situation, I would get a panic attack at the thought of even logging into our bank account and credit card accounts. I shared this fear with my daughter and she suggested that I try to just log into the bank account every day at first. Once I could do this without anxiety, I added credit cards to the repertoire. Baby steps… it worked! Thus began my daily money routine. Continue reading