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Re: 06年培正K1....一齊交流下啦!!!
Dear all
校車 $$係每個月校車 ee 會比個袋d小朋友 (有埋佢地個名), 叫佢地拎比你地比架....(好鬼古老), so 唔關 set 唔 set autopay 既事....
KahoBB :
DD 係一個 fix amount transfer, and you are correct - if you wish to change the amount, 又要再收收續費架....所以我當初一早就 set 個 amount 係多少少, e.g. 當時大彥係 $13xx 我就 set 咗 $1,500, 預佢將來會加dd, 但當然我又唔會 set 太高喇.... otherwise 同入定一舊錢就冇分別喇....但 as time goes by, 終有一日學費會高過依家個 limit ga, right?
咁就可以咁做嘞 : 好似依家, 大彥學費係 $1510, 而個個月我只係轉 $1500, 我都唔會改個 DD, 因為一改就係要收費, 冇理由為 $10 去俾過 $100 ga ma....so 我就會一次過入個 difference (i.e. every month 差 $10 ji ma...so 10 months 都係 $100) 咪可以一次過入 $100 去先, 咁就 compensate 到個 difference 而唔駛改個 DD la...
但....計真d係 ==>遲d你會發現個 $100 其實都唔駛入架...因為學校係收 10 months school fee ga ji ma...而你個 DD 係 debit every month ga ma...so 其實一年後你已有兩個月 (July, Aug) 係照轉錢而學校又冇扣錢架囉...then 即係已有個 $$ pool 響戶口喇...夠補個 difference 有餘喇...so 咪唔駛改 DD lor...
另外, 因為第日學校下學期d書簿費都係會用 autopay from citickawah ga...so 有 2 months $$$ pool 都有用架....
我反而依家就會改個 DD, 因為我有大彥響 P1, 中彥響 K1, so school fee is $2250+1580 (唔記得係咪 this amount) = $3820, so 我就認為再俾 $100 去改個 DD to $4000 is worthwhile la...
仲有, 提提想好似我咁想做 DD 之家長要留意個 $$$ transfer date....因為 if transfer from one bank to another, 好多時 $$$ 要 at least 1 working day to be credited to the citickawah bank ga....so 唔好將個日子 set 得太 "mun"
以我為例, 當年因為我知學校係 3rd every month 過數交學費, 我就懶醒....set 個 DD 係 2nd every month 由我 Hang Seng 扣錢....諗住冇死喇....唔蝕底...點知...
錢係就係 2nd 比人扣咗, 但就唔係當日 midnight 後 (i.e. 3rd) citickawah 就有數架...而係 3rd at a later time, 但 all autopay 係 12midnight 過數架嘛...咁就煩喇...過一次過唔到就要俾 citickawah 罰 $50 (個次因為我係"初犯", 所以就唔罰我 :cry: ), 仲要之後收到學校通告話我冇交學費 (通告係叫小朋友 bring home ga...好鬼瘀皮 ), 要即刻再寫 cheque to pay (autopay will only process once pnly every month)...
so I 又 learn a lesson here lor...
so 其實我依家個 DD date 都係唔岩架...因此今次有埋中彥返學就索性再俾 $100 一次過改番岩佢.... better set 1st of the month this time ~
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