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Capital One Bonus = Snowflake = Less Debt

August 21st, 2013 at 12:33 pm

I did receive the $100 bonus on my Capital One 360 Checking account right on time as promised. I have sent it in to be applied to the principal balance reduction!! Ah, I love bonus money. Smile

One item I put on Ebay has a bid, so it will sell on Sunday night. That just means I'll have less stuff, and less debt because that snowflake is going to the mortgage, too.

I deposited a check into our account yesterday using the mobile feature. In my rush, I indicated the check was for $30, when it was really for $60. Oops! Luckily, the system caught it overnight and my account was adjusted for my error already this morning.

Our taxes on our home are increasing. I knew this would happen. Our home was a new build and valuation and taxes lag behind. I've been saving $300 a month in preparation for this. My calculations show I need to send in $1,654 to meet the banks standards for our escrow account. Our payment will need to increase as well to accommodate the increased taxes. I sent an email to the bank to see if they agree with my calculations and asked them to run the analysis. I'll update you when I hear back.

Did anyone else go for the Capital One checking bonus offered at the beginning of July? If so, did you get your bonus yet?

3 Responses to “Capital One Bonus = Snowflake = Less Debt”

  1. Xtreme Thunder Says:

    Speaking of escrow accounts, I wish I could opt out of the bank doing it. Our mortgage was transferred to Wells Fargo Bank, NA a few months after we purchased. I dislike how they pay our land taxes in quarterly installments and school taxes bi-annually. The municipality charges extra for paying quarterly installments. I tried, for the past 3 years, to get them to pay in full, but they won't budge. Every year I need to contact them requesting the additional fee back as it is not my problem that they don't want to pay in full. I always let them contact me when there is a shortfall in the escrow account, no way I am going to give them money until they ask for it! Haha!

  2. laura Says:


    I just got the physical card for the Bank of America offer (spend $500 get $100), so will expect that one next month (and will allocate that for Christmas spending).

    Just wanted to share with you that my son woke up at 3:45 this morning (same time he woke up the previous night which led to ipod time and yesterday's meltdown). He asked if we could use the aromatherapy (lavender pillow spray that my younger daughter had from Bath & Body Works). I sprayed his pillow, tucked him in again, and he slept until 6:45. Thanks for that suggestion. I don't think I would have thought of that myself. Smile

  3. creditcardfree Says:

    @laura, that is great news that your son was able to get back to sleep this morning!! I hope by next week he has his routine down, is sleeping better and the anxiety has lessened.

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