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So you may be wondering...

WTF, Mandy? Tell us more; tell us more.

Well, I'm a terrible procrastinator. In general my income exceeds my outgo, so I got really bad about balancing my bank account. This morning, I got an NSF notice. Three different $31 usury service fees for the NSF and $7 for the negative balance. Brillant thinking, USBank. I have no money, so fine me for it. Luckily I got paid today, so I'm in the black again. I need, however, to figure out WTF happened. This means going back about three months and balancing the books. *headdesk* I'm a lot beetter than I was when I posted the little bit of self-flagellation earlier.

Bear hugs are appreciated.



( 13 comments — Leave a comment )
Jun. 9th, 2007 02:07 am (UTC)
Oh, that's happened to me.

A lot.

. . .

Jun. 9th, 2007 04:41 am (UTC)
Thanks for the sympathy ^_^
Jun. 9th, 2007 02:54 am (UTC)

That will have to do, I don't go near bears.

Banking poorly has happened to me on occasion and it sucks, Banks don't care. they'll actually put the biggest pending payment, of a few, first, so you are assured of bouncing. I've noticed that, they could have posted differently, and saved me 132, but no. So call them and find out how the postings went, perhaps you could get a "nice banker" to reduce the fees..., I've done that too.

Tell 'em a sob story about how your car is in the shop and yadda yadda. Doesn't have to be true!
Jun. 9th, 2007 04:46 am (UTC)
Yeah, I know. I was at under $5 when the first one hit. I went to the website and they had something about Overdraft Protection (which I thought I had) and Automatic Deposit Advance (which requires actual interaction on my part XP ). I'll go talk to someone in the morning and see what's up. I'm just beating myself up over it because I'd been doing so well. I hadn't had any problems since i opened the account almost 2 years ago.
Jun. 9th, 2007 12:07 pm (UTC)

There ya go!
You could look into a credit union. That's where I bank and the fees are a lot smaller (if any) and the service is a lot better.
Jun. 9th, 2007 06:46 pm (UTC)
Thanks. I'll go cry at a rep and they'll take one or two of the fees off. I got really badly burned by a CU here, so they're all eeeeviiiil
Jun. 9th, 2007 11:26 pm (UTC)
Yes, the whole overdraft fee schedule thing is always so icktastic. On one hand, getting charged like that REALLY makes a person do what they need to in order to avoid future charges like that, which is likely the theory behind the whole stupid idea in the first place - but the fees punish people who can't afford it in the first place.

But I'm glad to hear you've been doing so well re: those up 'til now!

Jun. 13th, 2007 09:03 am (UTC)
Thanks. "You have no money, so we're going to charge you a fee... Now you have less than no money, and we're going to charge you a fee for that, too. Also, Re: your inquiry about our milkshake: We could teach you, but we'd have to charge you a fee. Also, for inquiring, there is a fee, but only if you have less than no money, which you do.
Jun. 13th, 2007 09:04 am (UTC)
... End-quote."
Jun. 11th, 2007 03:54 am (UTC)
Big bear hug coming your way, love. This too shall pass.
Jun. 13th, 2007 09:05 am (UTC)
Thanks, hon. Hope your dad gets back to 100% soon. *hugsback*
Jun. 13th, 2007 05:55 am (UTC)
I'm sorry! Good luck sorting it out. Would a copy of Quicken help you, or would you just ignore it?

Credit unions are in theory better, since they're not in existence to make someone besides yourself richer. They line the pockets of their shareholders, which would include you.

That said, there are better and worse ones. Is there another CU around that could save you from fees?
Jun. 13th, 2007 09:00 am (UTC)
Oh, it's totally the ignore thing. I have MS Money and I use it. I just didn't really use it for far too long. The bank is fine as long as I don't screw up like I did, there aren't any fees.
( 13 comments — Leave a comment )

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