Wednesday, December 3, 2008

My google horoscope kind of freaks me out

You might be tempted to avoid dealing with a financial issue today, but it's wiser to handle it before it gets worse. It may be as simple as paying a bill that is due or untangling a problem with one of your accounts. Whatever it is, don't let your resistance about money matters in general get in the way of taking care of business while it's still easily manageable.

Yea...I am having a bad day. A really bad day.

I'm sick...I have a kid with an ear infection...I suddenly have the need to wake up in the middle of the night and can't go back to sleep...oh, and I manage to over draw our account..SIX times. Yep, six. I miscalculated how long it would take my deposit to actually show up and how long it would take our rent check to clear. The rent check cleared first. Lovely. The refunded 3 of the charges after I, literally, broke down on the phone. What a lovely mess I was.

More on my messy life another day, I'm tired and the baby is crying.

I am editing this post to explain how I managed to overdraw my account six times so that you don't think I'm a complete dumbass. (which, I am)

I put Jared's paycheck in on Sat...I also went grocery shopping, got gas, had lunch etc....I made sure not to spend more then what was in the account before I put his check in. No problem. We NEVER EVER run the account that low but we paid off a hefty debt last month and were still playing catch up.
Fast forward to Monday...I pay rent, she cashed it that day, at the same bank. It cleared on Monday...along with all of my purchases from Sat BEFORE the deposit was "available". It didn't even occur to me that this would happen, yes I said I was a dumb ass. I knew we were close, but I thought it would be fine. I was wrong.


Karol said...

oy.vey. I really hope tomorrow is better. If you need anything, you know where to find me! Love you.

Jill said...

I used to see that alot. If you actually go into your branch and talk to the branch manager, the *MIGHT* be merciful and refund the rest of your charges

natalie said...

Aw..yeah I never trust giving the bank my money on Saturday. It seems to take FOREVER for it become available.
Love you!

Brooke said...

Ugh! What a crappy series of events. I'm glad you were able to get a couple of those reversed. I hope today is going much better *hugs*

Anonymous said...

You're not dumb, you're not a bad person - it has happened to ALL of us {although not everyone is brave enough to admit it out loud}.

You learned an expensive lesson and you'll never do it again!