Almost bounced a check

**willow** · 06-29-2006, 09:38 PM

I can't believe I did this. I wrote a deposit into my check register twice! I really should have questioned why we seemed to be doing so well so close to the end of the month.

I'm glad I caught it when I did. I mailed in the house payment the same day I got my bank statement. When I tried to balance it that evening I was almost $400 off from what the bank said I had (in their favor of course). There was not enough left to cover my house payment. So the next day I went and closed an account I had before we moved, $287, and put this into the new checking account. Thank goodness I had this, but now I have nothing to fall back on and only a little over $100 for the next two weeks.

I still just can't believe I did this! I have never, ever bounced a check, thank goodness I looked at the statement that evening. I knew it would be hard on our own but sometimes it seems like I'm just not going to be able to make it.

The way this month has gone I think it must be a signal that I need to start over with the finances and rethink my budget.

**dwallyfam** · 06-29-2006, 10:04 PM

Glad you caught that.

Kellie

**dolphin** · 06-29-2006, 10:23 PM

I feel your pain but I have actullay bounced checks and it is such a horrible feeling.

:

**MOMMYDEAREST** · 06-29-2006, 10:26 PM

phew........glad you caught your mistake!!!

**autumnlynn** · 06-30-2006, 01:56 AM

It's great that you caught your mistake in time and that you had the extra to put in the account.

**Daisygirl** · 06-30-2006, 06:21 AM

Yikes! This is so stressful!

I have bounced checks a couple of times recently -- it costs a fortune, and the stress of it is horrible. Glad you caught your mistake!

**frugalfarmwife** · 06-30-2006, 06:24 AM

Good job catching it! I also bounced one this month and am still kicking myself DAILY, GRRRRRRRRRRRRRR! I forgot to write a purchase in the check register and was checking my account online and found it the day it happened, even though I transferred money right away they still charged me the $32.00, made me MAD!

You'll make it, we all have those short times (I'm in one right now, $50.00 to last me until next Friday but a full freezer and feed bin here!

kj

**AmyBoz** · 06-30-2006, 07:31 AM

Good catch!

**Darlene** · 06-30-2006, 08:18 AM

Glad you cought it! Sitting down & rethinking your buget is a very proactive thing to do. Knowing what's what will help you get creative and find a way to make things work. Cheering you on Mary.

**ewokgirl** · 06-30-2006, 10:56 AM

The beauty of your title is the word [I]almost.[I] You're very fortunate to have caught the mistake and to have had the funds to cover it.

I've only bounced a check once in my life. It was the week of my wedding. I had too much stress going on to bother with balancing the checkbook. Oops. I had overdraft protection linked to my savings account, so it didn't cause any problems other than a stupid overdraft fee.

Best of luck to you in working with your budget. I'm sure you'll be okay!

**treeluva** · 06-30-2006, 12:04 PM

Once, when I was married, my stupid exhusband had spent every PENNY we had. I had already gone to the grocery store, and all the bills were paid, so I was not going to die. Then my lovely then 3 year old, woke up in the middle of the night, opened the fridge and freezer doors, and did not close them. I woke up to a very smelly, soggy mess. Not to mention, how was I supposed to feed her? I HAD to bounce a check to get food for the house, and I decided that if I HAD to pay that fee, I wasnt eating hot dogs and mac and cheese. (Besides, I had to replace EVERYTHING. MAYO, Mustard, I mean, all that stuff) I didnt go crazy, but $32 for $15 worth of food didnt seem to make sense to me.

Thank goodness you caught it, and had something to fall back on.

**Katybird** · 06-30-2006, 01:09 PM

Great job catching it. I am sorry you will be having a tight month though.

**willow** · 06-30-2006, 01:55 PM

Thank you for the responses. One of the reasons I checked the statement so quickly was because I've just started using a debit card for some purchases. Everyone says they are so much easier, but I'm a bit paranoid that I will forget to write something down in the register so wanted to make sure all my purchases were recorded.