Over-fucking-drawn

S

Shelby R

New member
Learn how to balance a check book dumbass.

And be glad they tagged you with over draft fees. Otherwise you'd be facing 5 counts of fraud. $213 in fees is cheaper than your court costs would have been.

Seriously, I don't understand how people who can create accounts on the internet can't balance a damn checkbook. It's basic math. You subtract out what you spend, you add in what you deposit.

I understand broke. I've spent 30 days with just enough money to put oatmeal on the table. I've lived out of my truck for 3 months. But I don't understand why people can't figure out how much money they have.
 
Watch it. You're real close to crossing a line with that last sentence.

If you write a check you're saying there is money in the bank. If there isn't, you've committed fraud. Thankfully your bank will cover it.

If you swipe your visa card, you've promised that the money is in the bank. The bank will cover that lie too.

Again, learn to balance your checkbook and don't spend money you don't have. Then you won't be over drawn.
 
What I do is always put the receipts in my wallet. Then a handful of times a week I'll sit down and put them into the checkbook balance. I wrote a little Excel Spread Sheet to do the math for me. I hate writing checks. I've had the same account for 5 years and just finished my first pad of 25 checks last week paying for my water rights.

But I know what you mean about thinking you have more than you really do. That's why I started the spread sheet.
 
I hate the bank. I checked my online statement and it's like $50 less than in my check register. I double checked the numbers all the way back to July and my numbers are right. I want to know where my other fucking $50 went?!

As far as what will happen, they'll charge you an overdraft fee for every charge you've made to your account since you went in the hole, you will have to pay back all the money youspent, and once that's all payed up, you'll be alright again. Depending, of course, how much you've spent in total since you went in the hole. 21 something dollars won't be a big deal though. The fees will depend on your bank and where the check was bounced.
 
My account was over-drawn by 12 cents, due to a fee I was not told of in which I couldn't do anything about it anyways (my job doesn't do direct deposit, therefore there seems to be a fee for not doing direct deposit). I was charged a couple times to the point of 90 dollars.

I don't use the bank system anymore.
 
What he said.

At my credit union I have 2 accounts, savings and checking. If I ever overdraw checking they just take it out of savings, no extra charges.
 
Oh man, I'm the queen of impulse buying (it's part of my disorder, believe it or not) what I had to do to keep from OD'ing from my account and getting charged rediculous fees, was to scrap the idea of my debit card completely. I have automatic bill pay, drafted to the days we get payed, then I go to an ATM, and pull out the alloted spending cash. Part of it was having the debit card means you think you have money, for me, I'm less likely to spend the money if I have it cash in hand, than I am just looking at numbers on a screen.

You should maybe give that some thought?
 
Back
Top