Last weekend I was on the other side of town checking out a small camper that I found on Craig's list. Craig's list is my weakness. I really need to stay away from it. This little camper was a 1956 Shasta camper. It was just the shell with all the rust and water damage that goes with a 53 year old camper. Eventually I want to sell this big RV and get something small (it was only 14 feet) that I can tow with my little truck. This camper was not the one for me though because the hitch was rusted and needed to be replaced.
Before I found the hitch problem I went to the bank to get some money. I still have my out of state bank as my primary bank so I was hit with a $3 ATM fee. Ouch. I needed $100 more so I had to go in to the bank to withdraw funds from my account at the bank that I was at. It is confusing...but I could only take out $400 from the out of state bank and I wanted $500. I didn't have $500 in my account at the Chase bank so I only withdrew $100 from Chase. I know it doesn't make a lot of sense but I really wanted that camper. While I was at the bank the associate wanted to do an account review. She told me that I qualified for a better checking account since I have my mortgage with them. Ok, switch it over, I said. Then she asked about my debit card. I said I hadn't used it. It was still in my bill folder. I forgot that it was also an ATM card. I dug it out of my files when I got home and put it in my wallet so I won't have to pay ATM fees. She also told me that the Chase credit card gives 3% back on purchases. I use Discover which only gives 1% back and 5% on select categories (I never seem to buy the right categories) so I am switching credit cards.
I have another local account from a credit union which used to be convenient but then it moved farther away so it is not as easy to get to. I had planned on cancelling that account but I have direct deposit going there and I have a lot of checks to use up. The Chase associate gave me free checks and today I ask HR to change my direct deposit instructions. I plan to cancel the local credit union and use Chase. I have been meaning to consolidate my accounts for a while now but I just never got to it. I certainly didn't plan to spend half an hour at the bank but it was good. I didn't spend $500 on an old camper and my financial life just got a little more organised.
By the way, another little camper popped up on Craig's list today. 1966, 13 foot, all original inside. Too bad it cost $1,500. It's so cute but I must resist! I don't have $1,500. Actually, I really didn't have $500 either. Do you think buying a camper could be considered an emergency? :)