In honor of National Opposite Day (January 25), we’ve decided to switch things up. Instead of providing smart and simple ways to improve your financial health, we will provide ways to ruin your financial standing.

Check out our “helpful” tips:

  1. Never pay your bills on time. Paying your bills late can negatively affect your credit score. But who cares? Just pay them whenever you find it convenient. What's the worse that can happen? 
  2. Don’t waste time making a budget. Sticking to a budget can keep your expenses in check. But that’s not important – especially on Opposite Day. 
  3. Don’t track your spending. Sure, you could use MAX’s Smartfolio to keep an eye on your spending, but where’s the fun in that? Spend whatever you want, whenever you want. It’s more exciting to shop not knowing when you are all out of cash. And not tracking your spending makes you a better target for fraudsters. If a fraud is committed against your account, you will never know until it is too late. You can figure it all out later if you become a victim.
  4. Pay ATM fees as often as possible. This is hard to accomplish with MAX, since you have access to over 55,000 surcharge-free ATMs.  But if you manage to find an ATM that charges you fees, be sure to use it.
  5. Use a checking account that charges you fees for everything you do. Again, this is pretty hard to accomplish at MAX. MAX has great checking account options that save you cash. All of our checking account options come with smart extras: free online banking, free mobile banking, free online bill pay, free eStatements and free ATM access at thousands of convenient locations. 
  6. Avoid using convenient MAX technology. Try not to use our convenient MAX Mobile Banking App. Sure, it allows you to manage you money on the go and it is free - but do you really need a fast and secure solution to money management tasks? Of course not! Instead, opt to track your spending by saving random receipts and jotting down your balance on half-used lunch napkins. And let’s not even consider the convenience of Apple Pay, Samsung Pay, or Android Pay
  7. Pay and deliver your bills using postal services. Actually, using postal services is still too modern. If possible, find a horse-drawn carriage to use as transportation and hand-deliver all of your bill payments directly to the payment office location. Paying your bills online is simple and easy, and you can do it at your fingertips using your MAX Mobile App. But that takes away the fun of galloping through lunch-time traffic and writing checks. 
  8. Never sign up for eStatements. Sure, eStatements are great. You can access them whenever you like and eStatements provide the most secure delivery method for account statements. But let’s look past that for now. Having paper statements mailed to your home means anyone can access your personal financial information by simply opening an envelope. Is that a bad thing? It’s opposite day, so of course not! This all becomes really exciting when the postal worker delivers your mail to your neighbors! Oh, and let’s remember the storage plan for these documents. If you plan to keep the paper, you'll need to develop a nice filing system to keep track of the paper. If not, you'll need a nice electric paper shredder that doesn't overheat. How fun!