This morning, just before I walked out the door, I reached into the basket I keep right inside the door to grab my metro pass. And… nothing. It wasn’t there. I pulled out the coat I wore yesterday and checked the pockets. Also not there. Now, I’m pretty good about putting the pass in the basket when I walk in the door, so I was a bit worried by this point. Checked a few other places in the apartment where it might be, to no avail. I stopped at the desk on my way out of the building, and it hadn’t been turned in.
At this point, all I can figure is that I dropped it between the metro station and my house.
Thankfully, the D.C. metro system lets you register your card, and if it is lost or stolen, you can call and they will transfer the funds on the card over to a new card and send it to you right away. They charge $5 for the service, but you’re really just paying for a new card, which costs $5.
As of this morning, no one had tried to use my metro card, so I’m starting to wonder if perhaps it fell behind the bookcase when I tossed it in the basket.
Either way, for the peace of mind of knowing that there’s no one out there spending all the money on my metro card, I’ll happily pay the $5.
So this is a lesson to all of you in the D.C. area with SmarTrip cards – REGISTER YOUR CARD! And if you’re not in the D.C. area and have some sort of permanent metro card, check to see if your area has the same type of service. It’s fast, and in D.C., it’s free. Can’t go wrong.
Megan is a 40-something government employee in the Washington, DC area. She got interested in Personal Finance when she got out of college and realized that her paycheck wasn’t going to go as far as she had hoped. Since starting this blog, she has managed to buy a house and make a solid start on her retirement goals, and hopes to help others do the same. Here is her story:
In 2007, I was a gainfully employed 20-something with no debt but not a lot of knowledge about personal finance. It was a co-worker’s comment about Roth IRAs that sent me to the internet, searching for information. It was then that I realized that I really didn’t know a whole lot about personal finance and that my current financial situation was due a lot to inherent frugal tendencies, generous family members, a fear of debt, and good luck. While that was working for me, clearly I needed a better plan.
While I had no debt, I was also pretty much living paycheck to paycheck and not worrying about going over budget (I say this as if I had a real budget) because I had an emergency fund set aside to cover any overages.
Except that’s not what an emergency fund is for.
So I did a lot of research, read a lot of blogs, and decided that I needed a plan. I needed to budget. I needed to know what I was spending my money on. I needed to prepare for the future.
I decided to create a blog not only to make myself accountable to others but also to share the knowledge that I gained along the way. I’ve learned so much from my fellow bloggers, and I hope that my readers can find something useful in what I have to share as well.