I can't pay for Spotify. I am without music until the end of the month. I need music to work.
Because of reasons ... and my bank being silly. I have money.
Some time later a friend asks me to buy him some tasty tasty Spotify gift cards because I also have a UK credit card via moneybookers. It's prepaid and I can only upload funds from VISA, not directly from my bank account.
Another 40 euro is spent.
The friend immediately refunds this to my PayPal account.
A day later my Spotify craps out because "There have been problems with your credit card" - I'm guessing there wasn't enough balance on the prepaid UK card.
But I can't upload funds anymore because now my VISA has only got 1.5 euro of credit left.
- bank account balance - plenty enough
- UK credit card balance - juuust not enough
- VISA credit - 1.5€
- PayPal balance - 40€
- Amount I need to pay - 12.7€
If you've been keeping score, my VISA has only got 200 euro worth of credit per month. I cannot spend more than that. This was fine when I got the card at 18, but it's getting rather restrictive and I keep bumping into the limit almost every month.
Clicky clicky on the e-banking thing and an "I beg you to raise my credit to a measely 400 euro" _was sent to the bank. A few days later I get a call: "I'm sorry mister Swizec, but you simply don't earn enough. I can see here that you've had an average monthly income of 900 euro this year, but it doesn't say paycheck so it doesn't count. Sorry about that."_
Ok sure, 900 euro is nothing to brag about, but it's fairly decent when most of your time is wasted on finishing up the last year of university. Especially considering two or three months out of that were practically without income because I was focusing on exams.
To add insult to injury, I tried transferring the money from PayPal to VISA and while it does show up as transferred it doesn't count towards my credit for the month because I sent it later than the 15th. It will show up next month when my spent money will show as -240 (yeah, a double negative).
- Freelance income counts as income
- When I send money around, it should be instantly useful not just visible (regardles of day-of-month)
- I never want to have to set foot in the bank physically
- No silly overdraft charges or anything (I don't have those now \o/)
- Gives me a debit card useful for paying
- Gives me a credit card with decent amount of credit
- Gives me a savings account of some sort
- Effectivity of e-banking isn't limited to physical working hours
If you know a bank fitting this criteria, let me know!
I don't even care where in the world it is, I just want a new bank. (and for those wondering, I'm using Nova Ljubljanska Banka right now. Stick that in your SEO, bank)
- PayPal drops into McDonalds, begs meat-guzzlers to give it a bonk
- Visa Online Bill Payment
- CHASE Visa
- Differences Between Visa and Solo
- Secure my money. But let me spend it too.
I write articles with real insight into the career and skills of a modern software engineer. "Raw and honest from the heart!" as one reader described them. Fueled by lessons learned over 20 years of building production code for side-projects, small businesses, and hyper growth startups. Both successful and not.
Subscribe below 👇
Join Swizec's Newsletter and get insightful emails 💌 on mindsets, tactics, and technical skills for your career. Real lessons from building production software. No bullshit.
"Man, love your simple writing! Yours is the only newsletter I open and only blog that I give a fuck to read & scroll till the end. And wow always take away lessons with me. Inspiring! And very relatable. 👌"
Senior Mindset Book
Get promoted, earn a bigger salary, work for top companiesLearn more
Have a burning question that you think I can answer? Hit me up on twitter and I'll do my best.
Who am I and who do I help? I'm Swizec Teller and I turn coders into engineers with "Raw and honest from the heart!" writing. No bullshit. Real insights into the career and skills of a modern software engineer.
Want to become a true senior engineer? Take ownership, have autonomy, and be a force multiplier on your team. The Senior Engineer Mindset ebook can help 👉 swizec.com/senior-mindset. These are the shifts in mindset that unlocked my career.
Curious about Serverless and the modern backend? Check out Serverless Handbook, for frontend engineers 👉 ServerlessHandbook.dev
Want to Stop copy pasting D3 examples and create data visualizations of your own? Learn how to build scalable dataviz React components your whole team can understand with React for Data Visualization
Did someone amazing share this letter with you? Wonderful! You can sign up for my weekly letters for software engineers on their path to greatness, here: swizec.com/blog
By the way, just in case no one has told you it yet today: I love and appreciate you for who you are ❤️