I got an interesting assortment of mail today, and I thought it represented my financial life so accurately that I had to share with you.
The first envelope I opened was a tax bill for â‚¬116 for our yearly television charge. Each household that owns a TV pays this tax and in return there are very very few commercials on French TV. While paying a tax is never a joy, the relative scarcity of commercials is wonderful! Not that we watch TV all that often, but still… I was expecting this bill to show up soon, as it is in my yearly bill obligation spreadsheet.
Next was a monthly statement for my new student loan. My payments don’t start until next year; until then I pay â‚¬15 a month in interest. I noted that my tuition check was cashed. I also got a letter from one of my American student loans. Shall we just say that the repayment amount is considerably higher than â‚¬15? I make a note to send my father an email about paying the amount due.
ING, where we have our emergency fund, sent me a letter offering to extend the 6% interest rate on our savings account if we do two things: make a deposit before October 31st and not withdraw any money between October 11th and October 16th. Can we do that? You bet we can! I write a check for â‚¬25 and stick it in my purse to mail tomorrow- I don’t even need a stamp.
I got a rebate check from one of the grocery stores I go to, for â‚¬16.65. I’ll be stopping by on Wednesday afternoon, to pick up a few things and the check should cover them all. Plus, as I only plan to buy store brands, I’ll receive an additional 5% off in rebates for next month.
Finally, I received a letter from the CAF, the government agency that deals with all things child and family related. They informed me that I will be receiving a monthly refund of â‚¬540.77 for our childcare expenses. We pay the nanny â‚¬930 a month (I knew I should have been a nanny), bringing our share down to a much more reasonable â‚¬389.23 per month. Phew!
What about you? Has the facteur brought you happiness or gloom in the mail recently?