No One Cares Like You Care

Scammed Picture

Last summer, I let Mirror Image go on a day trip with her Ministry group to a regional amusement park…without me.

The women that run the Ministry are lovely and love all the children so I felt assured of her safety and I had no doubts about letting her go.  And to be honest, with all of the roller coaster rides over the years, I didn’t mind the break. So I sent her off with prayer and this advice, “Mirror Image, these women love you and want the very best for you. But, no one loves you like I do and no one will protect you like I will. So, since I am not there, plan to take care of yourself like I would”.  Maybe those were big words and responsibilities for an 11 year-old.  Maybe not. But I stand by them.

No one wants more for you than you do. And no one will take care of you like you will.

Especially when it comes to your cash.

2 revelations have occurred in the last 2 weeks that is motivating me to be even more vigilant from a financial perspective.

I received a note from our payroll clerk last week informing me that the 11% deduction for my 401K didn’t happen for this pay period.  And since that didn’t happen, neither did my company match. For some reason, the deductions were on a schedule to stop on 12/31/15.  And stop they did. The payroll clerk is a great person and knows her job but didn’t catch this until too late.

It just goes to show me that although I could have never guessed that my deductions would suddenly stop, sometimes, setting aside some time just to review what is going on can forestall problems before they start.

I would have ultimately caught this because I check my accounts regularly on Mint (LOVE THEM!). But for now, I am down one investment.

What do you think I should do?  Invest the amount (with after tax dollars) directly with the 401K? Or invest the same amount into my Roth IRA since it is an after tax account anyway?

Then there was a attempted scam.

The second thing that happened was that I noticed 2 fraudulent charges on my IHG Rewards Club card by Chase.  First Monday with a Netflix charge for $8.66. And Tuesday with a MONJANG.COM charge for $26.65.  I discovered both of these when I reviewed my Mint account.

I currently have a free credit monitoring service as part of a settlement because of the Home Depot hack last year.  And maybe they would have flagged and warned me of those charges.  Maybe not.  What I know is that I caught them and took care of them with 24-48 hours of them posting. Cancelling the card and not having to pay the $50 liability charge.

It is my money and I have to take care of it.

No one will care about your money the way you will.  Believe me.

Thrifty Image Mirror

(BTW – The amusement park trip went well, Mirror Image came back safe and sound and I may never let her leave without me again Happy Face Wink)