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Abstract

bank in Kansas. I opened it when I lived there, but moved away over a decade ago.Since it is a small bank, it is can be highly inconvenient to get my money out. Excellent.I do have a debit card, but I keep it out of my wallet and in a safe place. Safe from me.I know that I sound like some kind of drug addict at this point, but it is all good.<h2 id="91d9">My habits</h2>I have this nasty habit of paying bills and buying necessities…then blowing the rest because, life is short, baby! Wooooo!I tell myself it is okay because I paid the bills and bought things like food.<h2 id="4d27">The change</h2>Now. I used to keep a large emergency fund. You know how they say to have three months of expenses saved, just in case?I had 12 months. Then the just in case happened. It was a hellish year, but we pulled through.<p id="

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5688">I guess I expected a freaking cookie over how responsible I had been. How I had prepared so hard and weathered the storm.But on month 13, when the money ran out and I was still struggling to get my life back together…I was thrown into the pile of scum bags, as far as creditors and society were concerned. Just another low life who can’t pay.Probably an idiot. Probably a drunk. Probably never learned about good financial planning on account of being too stupid and lazy.Man. It fucking hurt.So now? I have a small secret account for the just in case. Away from myself. Where it is safe.But I don’t think about it and I don’t work to make it impressively large.You never know when disaster will strike and when it does, all you have are memories of the good times.So make them good!</article></body>

The Secret Bank Account

Notes on saving money

Despite the opinion of some, I’m fairly decent with money. At least…decent enough.

I have a few weaknesses. I love to travel. I love to go to theme parks. I love to spend too much at the bookstore.

Years ago, I took drastic measures against myself.

I opened up a bank account.

Right. I already had a checking and a saving account. This was something else.

A secret account!

The method

I have a few different streams of income, and of those, I have diverted a small amount to my hidden savings account.

This account is at a small local bank in Kansas. I opened it when I lived there, but moved away over a decade ago.

Since it is a small bank, it is can be highly inconvenient to get my money out. Excellent.

I do have a debit card, but I keep it out of my wallet and in a safe place. Safe from me.

I know that I sound like some kind of drug addict at this point, but it is all good.

My habits

I have this nasty habit of paying bills and buying necessities…then blowing the rest because, life is short, baby! Wooooo!

I tell myself it is okay because I paid the bills and bought things like food.

The change

Now. I used to keep a large emergency fund. You know how they say to have three months of expenses saved, just in case?

I had 12 months. Then the just in case happened. It was a hellish year, but we pulled through.

I guess I expected a freaking cookie over how responsible I had been. How I had prepared so hard and weathered the storm.

But on month 13, when the money ran out and I was still struggling to get my life back together…

I was thrown into the pile of scum bags, as far as creditors and society were concerned. Just another low life who can’t pay.

Probably an idiot. Probably a drunk. Probably never learned about good financial planning on account of being too stupid and lazy.

Man. It fucking hurt.

So now? I have a small secret account for the just in case. Away from myself. Where it is safe.

But I don’t think about it and I don’t work to make it impressively large.

You never know when disaster will strike and when it does, all you have are memories of the good times.

So make them good!