I hate NSF's.

iVillage Member
Registered: 04-30-2003
I hate NSF's.
13
Mon, 11-22-2004 - 2:14pm

Ugh. So, I've been doing really well with my money, and getting my loan paid off so I can move forth with my budget. And what happens? I forget to write something down, and BAM! I get a $22 NSF. ouch!


You know, I have a buffer, or I had one. I'm not sure what happened. I had a $400 buffer and then I got paid, paid my bills according to my budget and it was gone. It was like that first paycheck didnt' even cover it.


Granted, now I can pay bills all at once as they come in w/o having to "time" them correctly, but still. Where DID that buffer go?


Augh. NSF's. I hate them.


Just venting. And with xmas coming up, tryign to get together my money. =) Glad for that freedom account.







my pet!

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iVillage Member
Registered: 12-10-2004
Fri, 12-10-2004 - 11:26pm
Well I am new here, but know exactly what you all mean.. I wish I could start over too.. But seems that the bank I was dealing with only wanted to burn me.. they made sure the direct deposit was late taking 5-6 days for that.. then when I called and ask them about it their excuses made me want to scream. But they will be waiting for their money now.. they charged my account almost 400 in fees... :(
iVillage Member
Registered: 08-13-2004
Sat, 12-11-2004 - 12:31pm
Consider yourself lucky. Our bank charges $81, and $5/day for negative balance!
iVillage Member
Registered: 04-25-2004
Sat, 12-11-2004 - 12:58pm

Argh! I hear you. Until recently, I had been losing hundred's of dollars to poorly managed money habits. My top dollar paid to Bank of America so far has been $231...yeah that's 7 overdraft fees at once. I hated blaming myself and my bad bill paying timing, but that's just ridiculous. And they don't even give you a break and at least cut it in half!

Since this time, I have set up Microsoft Money 2004 and I have a debt reduction plan and I completely keep track of every penny I make and spend. Why should my bank get all my hard earned money?!

P.S. What is the point of overdraft fees...if we didn't have the money in the first place for a transaction, isn't having a negative balance enough punishment?!

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