Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work

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 servedI explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 feeI 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 awayJuliet 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 utilizationI answered a question on tackling credit card debt, comparing personal loans, home equity lines of credit, settlements, and bankruptcyI answered a question about what changes financially when you have a baby, including insurance deadlines, daycare costs, and setting up a will and guardianGot 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/stampsbecomingfinanciallyconfident.com/walletbecomingfinanciallyconfident.com/ezwillFollow us on our socials:LinkedInFacebook GroupInstagramSkool CommunityShoutout to Practical Prepping! Thank you, Mark and Krista! https://practicalprepping.info/podcast