Since I'm headed in to my bank for a complementary meeting with the financial advisor ............I thought I should review my assets/liabilities so it sounds like I know something when I go in.

I started last night and got totally waylaid with the miriad of online banking accounts. Checked in with all of them, as well as the Paypal and Sharebuilder accounts and came away miffed that ING has such poopy interest rates compared to the others. Of course, ING is where I've got the most money as well as the auto deposit. So, I made some changes.

I finished the asset info and then moved on to liabilities. Found some glitches in this area too, with the recent bill for my personal cc. Gads, what a mess. I am still being billed for a couple of the trial offers I have already cancelled. I couldn't work on them, as the whole world was closed by the time I got to this project. Will do that this AM. Also found 4 charges that aren't mine, added that number to the TO DO list for today. And, in the process of working on this one bill........found a late charge. GASP. I don't do late charges. First off, checked the online bill payer history and sure enough, the amount was there, but AGAIN, the bank had tried to put it through to my kiddos social security account (also in my name). Called the cc customer service dept & explained my saga, got the late fee waived, paid the balance of the account and felt like I had done enough for one night.

Today, I will continue working on getting charges reversed on this cc, which will give me a credit for the upcoming month. I use this card for some ongoing bills like Netflix, etc. So, nothing goes on here that isn't already in the Master Plan for the household.

I will also finish up the Income section of this overhaul, so I don't sound so lame when the Bank Person asks me my monthly income. Not sure she would think my faith based system here would hold water!!

Bottom line on my situation.........
~ I'm pleased with my emergency fund, it could handle a disaster sized emergency.
~ My investments are fairly diverse, feel like they are almost balanced, but am looking forward to having them reviewed.
~ Income needs to be beefed up. Will do this as I get closer to July 1st, when my time consuming kiddo moves out.
~ I need to schedule regular times to review the online banking accounts, or combine them, or something different. I put money in and forgot them. Not sure this is in my best interest.