Can't believe I did this!!
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Can't believe I did this!!
| Fri, 11-18-2005 - 1:03pm |
Balanced checkbook the other day by seeing what (recently) cleared on-line. Then I quickly took a look at the balance today, and I am almost $200 overdrawn! I missed one check for $100 that I wrote weeks ago and they just cashed it the other day...Now I have to re-calculate what gets paid this week and what doesn't. I am just fuming over this! I have OD, but the fees alone for what has bounced is horrible. Thank God DH gets paid today. He can't get to bank fast enough today!! I am SOOO ANGRY!!
kathy


Just focus on the lucky part--your husband gets paid today. Just tell yourself to keep better records of your checks and maybe keep a cushion and forget about the money in case this happens again. A warning, though, keeping a cushion and forgetting about it may be hard to keep a balanced checkbook.
I almost broke my spending rule today. My co-worker works for a retail store and told me about a purse that was $70 that has been marked down to $8. Yeah, big markdown. On top of her employee discount since she works there part-time. So I gave her the cash. This was a purse I didn't NEED or was the color I want. I beat myself up for even forking out the cash. But just a few minutes ago told her I changed my mind. So no harm done. just a more conscious money awareness feeling (if that makes sense). Moving on.
I just wanted to let you know I understand COMPLETELY. I was cutting it way too close and as of yesterday was a few hundred negative. I have no overdraft because my credit is too poor to get one. The circle I cannot escape. So I just racked up $222 in fees becaus of the one mistake. I was the "bagel cost me $39 dollar poster". My bank charges $37 per NSF. Yes, unforunately I just built them a branch this year so I am going to cash.
This is my rational to get through throwing the money away - at least it was not a purchase on a credit card I pay interest on, at least my bank put through everything even if at the time it hurt me worse, my name is in good standing in the consumer world. I am right there with you. I got paid today, but now have hardly anything for 13 more days.
I'm right there with you.
I do that kind of stuff all the time and it drives me crazy. So I finally broke down and put everything in Quicken and bank on-line with my bank so I can download every transaction once a day. I pay $9.95 a month for that but since I've started I haven't bounced any checks and haven't had to pay any fees which were much higher than the $9.95 a month.
I find that have to micromanage my money or I loose track of it.
The irony here is that I went to the online banking so I could DOWNLOAD it into my Quicken!!!!!!!!!!!!!!!!!! Turns out there were two checks that I wrote in SEPTEMBER that put me over! So when I last checked balances I guess I didn't go back far enough....and now I am paying almost $70 in fees.
THIS won't happen again!
Kathy