Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work — Becoming Financially Confident

Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur

Here's what we got into today:

I broke down the LIHEAP heating assistance program, why renters qualify too, and why applying this week matters since the money goes first come, first served
I explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 fee
I talked through escheat laws and how to check missingmoney.com for cash your state may be holding, including the story of the $3,500 my grandmother recovered after my grandfather passed away
Juliet and I worked through a mailbag question on 0% balance transfer offers, including the fees hidden in the fine print and how they affect your credit utilization
I answered a question on tackling credit card debt, comparing personal loans, home equity lines of credit, settlements, and bankruptcy
I answered a question about what changes financially when you have a baby, including insurance deadlines, daycare costs, and setting up a will and guardian

Got a money question for me? Send it to us at becomingfinanciallyconfident.com/voicemail.

Or come watch us live every weekday, 11:30 am ET at becomingfinanciallyconfident.com/live.

Have a great week, everybody.

Links mentioned in this episode:

becomingfinanciallyconfident.com/stamps

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Shoutout to Practical Prepping! Thank you, Mark and Krista!