It seems so simple and yet it's not.
It also helps when you don't forget to write down a few sizable debits.
To me, anything more then $10 counts as sizable.
My horoscope lady- you know, Bethea. That lovely lady that sends you horoscopes and offers that will make your dreams come true- tells me that I was born on the date that says I should be rich.
Which, I should be!
Because, if I had a lot of money, it really wouldn't matter if I forgot to write down a hundred dollars worth of stuff in my checkbook.
I'd have it and I'd be OK.
I wouldn't have to dread going to the mailbox and finding non sufficient funds notices that are $23 a piece.
Maybe the bank won't notice.
A girl can dream, can't she?
Or, hope desperately that they will realize that it was a mistake and times are tough for everyone and forgiving is just the right thing to do.
Over draft has been a thing my husband took forever to understand. He hates it when the bank charges him extra ten dollars if a check is paid to the recipient and the money is not in the bank. He says that the same bank has our money in savings, so why do they care. It took me for ever to make him understand that it is the way banks make money. Then I go and cut coupons to save a dollar here and a dollar there. go figure.
ReplyDeleteMunir, it's awful. They charge you to cover the check or charge you to send the check back.
DeleteSeems the banks stick it to us any way they can. They over charge for services yet underpay for the privilege of using our money.
ReplyDeleteI've had more than my share of head butting with my bank over charges.
Keep dreaming...
Jenny, my bank gets worse all the time, but I don't have a monthly fee like most around here so I stay. Last time I got a car loan, it was cheaper through the dealership.
DeleteMine was through the dealership, it was a promotion with no interest - but it is drawn out of my bank account. The bank would be the last place I'd go to get a car loan - yikes, selling a kidney would be easier.
DeleteJenny, around here going through your bank used to be the best option. Times change.
DeleteBanks are the devil, they charge you to use your money, with all their fees and crap like that. If you have insufficient funds, they should give you a 'grace period', like a day or so, to put the money in, without charging you. My freaky bank, leeches that they are, charges me even if I'm late by 15 minutes…They're the devil I tell you!!!
ReplyDeleteAlex, I know! The last check got direct deposited the same time as some debits and they chose to debit first so they could charge me overdraft fees. Makes me so mad.
DeleteYikes. I've gone 30 years or more, never over-drafting until the last 5 years, plus now we get paid once a month. Banks...who needs them?
ReplyDeleteCoffee Lady, I hear you. They can be quite the pain. Once a month would take some getting used to.
DeleteBummer.
ReplyDeleteGail, yes. I now will pay a bill late and pay those fees rather then the bank fee. It is cheaper. But, if you forget you paid something, it can still happen.
Delete