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12-18-2009, 11:43 AM #1Rude and Vile Master
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Yes, even the "Great and Powerful Oz" -- er Greebo - can screw it up...
In this case, it was a screw up to the tune of $105 in overdraft fees.
Yep - I told myself on Tuesday - remember to move some sinking fund money into checking from savings...
Guess what I didn't do?
So bam, bam bam - three overdrafts - $35.00 each. And we had over $3,000 in our savings account too.
I still deal with the devil - Bank of America is our main bank. The guy said he'd wipe out 2 of the 3 O/Ds. That'd be nice - if it happens - but if it doesn't, I'm not gonna bitch. It's my effing fault.
But I also signed up for the "if you screw up with checking and have money in savings, we'll move the money for you and only charge you $10.00 total as opposed to $35 per transaction" program.
So - have fun knocking me off my pedestal.
But you know what is nice?
Two years ago, this would have been a *CRISIS*. $100 gone? OMG WHAT DO WE DO??
Today, having lived on a budget, having money in the bank, living BELOW our means with no credit cards and no new consumer debt...this? This is stupid tax - it's annoying - but we'll get over it.
No Pizza for us this month maybe...If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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12-18-2009, 11:58 AM #2Super Moderator
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lesson learned. I'll bet it never happens again.
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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12-18-2009, 12:17 PM #3Registered User
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Oh, Greebo!!!!! You can't make mistakes.
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12
"A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate
)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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12-18-2009, 12:22 PM #4Moderator
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When I am going over our accounts I always forecast our cashflow for the remainder of the month. If I know that there is going to be a bill coming up that will require money from the savings account, I just do an online transfer and postdate it to the day before it's needed. That way, I don't need to remember to do it on a particular day - which is something I am terrible with. If the situation changes before the bill is due, I can just go online and either edit the transfer or delete it.
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12-18-2009, 12:22 PM #5Registered User
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We've all paid stupid tax at one time or another.
Point is you've learned from it and it didn't hurt as bad as it once would! 
Annoying as heck - yes, but chalk it up as a learning experience. I think BofA *will* take off the first two fees and then you'll only be out the $35. Not too bad. We used to bank with BofA and when they said they would take something off, they did.
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12-18-2009, 12:29 PM #6Registered User
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That's ok, Greebo; consider yourself 'one of us' now.
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12-18-2009, 12:37 PM #7Rude and Vile Master
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If it does, it'll only cost $10, anyway.
Originally Posted by rcannon
Like I said - I TOLD myself to move the money! I just...never did...
*sigh*If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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12-18-2009, 12:37 PM #8Super Moderator
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On this day in history, Greebo effed up.
And thats the way it is December 18th, 2009.Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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12-18-2009, 12:39 PM #9Registered User
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ROFL, Russ!
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12-18-2009, 12:43 PM #10Registered User
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So...if Greebo won't listen to himself, then why should we listen to him?! Originally Posted by Greebo
Just kidding, Greebo.
You've just proved that we're all human.
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12 "A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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12-18-2009, 12:57 PM #11Moderator
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Mahalo for sharing Greebo - as we all breathe a sigh of relief.......it's all a process!!
Travel light. The baggage of the past can only hold you back.
“Decluttering isn't just simplifying your life. It's having a vision, setting new priorities and using those notions to get rid of obstacles.”
— Peter Walsh
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12-18-2009, 01:01 PM #12Registered User
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What's this "no pizza for US"? Ceashells can order pizza - YOU just can't have any! PB&J for Greebo.
I don't care if you are married. Share and share alike does not extend to pizza in this case.Donna
Use It Up 2012:
Lapghans: 5
Baby afghans: 1
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12-18-2009, 01:07 PM #13Registered User
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This just keeps getting better/funnier! Sorry Greebs, I think you've opened yourself up to picking on Greebo day! LOL Originally Posted by dcompton
<--- no more! 
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12-18-2009, 01:09 PM #14Rude and Vile Master
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I hate you. Originally Posted by dcompton
SOOOOO much!If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
-
12-18-2009, 01:11 PM #15Moderator
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Russ: too funny, thank you.
And unfortunately dcompton, Ceashels rarely orders out. I'd make my own but ..... that takes more prethought than I can expend right now. lol so PB&J for two this month.
The Free Spirit Saver who walks the path with Greebo.
Onboard with a modified Dave Ramsey Plan
Budget: "Every month! On paper, on purpose!"
Gardening somewhere between Zone 6b and 7a.
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