tag:blogger.com,1999:blog-4942522681264332044.post6524740077372667769..comments2023-03-30T10:05:13.911+01:00Comments on Living the simple life I want: Holiday goals changed to doing nothingMoonwaveshttp://www.blogger.com/profile/16018956740090192993noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-4942522681264332044.post-87123944257436708362017-03-05T16:15:09.645+00:002017-03-05T16:15:09.645+00:00I think what's making me hesitate is not being...I think what's making me hesitate is not being sure exactly what companies I have direct debits with. It seems ridiculous that I don't have a list but there you have it. I have two annual bills that I've received recently, for example, but the direct debits won't go out for a month or more. And my "old" account was down on my tax return. It's just all such a minefield somehow. So far, I have to admit, I'm happy with ING-DIBA. It all seems very straightforward. And because I've been paying more attention than usual, I've realised that the Tagesgeld accounts I have with Commerzbank don't actually even earn any interest any more. I use them to save for annual expenses so there's never a huge amount of money in them really but I hadn't noticed that the interest rates had been dropping over the last few years so that it's now officially 0%!!! ING-DIBA only has a fraction more but at least it's not zero.Moonwaveshttps://www.blogger.com/profile/16018956740090192993noreply@blogger.comtag:blogger.com,1999:blog-4942522681264332044.post-45867595192425575812017-03-05T11:57:09.315+00:002017-03-05T11:57:09.315+00:00Hope you're feeling better and enjoyed your we...Hope you're feeling better and enjoyed your week off to recuperate. Sounds like a good night out in the Irish bar - I smiled at the framed picture of Barry's tea :)<br /><br />You've reminded me in the post that I really need to get going on finding a new current account too. At the moment I'm with Postbank for the last few years and they've started charging around €4 a month in fees, which while it isn't a lot, it really irks me that they've changed the rules on what I signed up for. When I was with HASPA (Hamburger Sparkasse) they used to change €6.50 a month and when I was unemployed that was really not a small amount of money for me and I asked if they could give me a simpler / free account. They said no and I moved to Postbank the next time I switched employer. I guess I take the principle of the fees very seriously! LOL!<br /><br />I think as long as your employer knows the new account details, your landlord, and your utilities companies, everything else will be fine. Sometimes it's just the thoughts of the hassle of it all that stops me doing it. Is that laziness? Now I have a private pension through the Postbank and a kind of Bausparvertrag (although the stipulation in starting it is that I could always carry it with me if I chose to return to Ireland). It seems like a lot of hassle, so I'm dragging my heels.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-4942522681264332044.post-14643237722499596622017-03-02T20:53:45.191+00:002017-03-02T20:53:45.191+00:00I'm glad you had a great time away even though...I'm glad you had a great time away even though your voice wasn't tiptop! So nice you have some more time off to get back into good health once again.Janehttps://www.blogger.com/profile/02803104035204416080noreply@blogger.com