uggghhhh what an idiot

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ediekristen
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Date Joined Apr 2007
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   Posted 7/15/2008 8:49 PM (GMT 0)   
I feel like such an irresponsible idiot. I didn't have enough in my account after rent/bills to pay the cable bill, but my boyfriend did (he lives with me and pays part of the bills).... or so I thought. I'm the one that keeps up with balancing the checkbooks but I screwed up and left something off so I thought he had more than he did, and now he's overdrafted $50!! This wouldn't be as big of a problem if he had a Florida bank account, but he still uses his one in Iowa and in order to avoid charges ($100 worth to be exact) I would have to go in to the bank today and deposit $50, which obviously isn't happening. I'm still holding onto the hope that his good friend who works there and also happens to be in charge of these things will not add the overdraft charges, because he has overdrafted in the past and has never ever gotten a charge, so we'll see..... I'm really upset over it though and I feel so stupid. From now on I'm just going to carry a balance book in my purse and write down everything as it happens. He always just uses his debit card and sometimes they wait like a week to post things to his account and it gets really hard to keep track of. Stupid debit cards. If I had known this would happen I would have just told my cable company that I would be 5 days late and there wouldn't have even been a problem. But I hate paying bills late, I've never even been late once on a credit card payment. Arrrggghh.
 
Sorry I just had to vent to someone because I certainly can't vent to my boyfriend... He hasn't realized his account is negative yet, I just told him "you have ZERO dollars in your account until Friday, do NOT use your card" and took it out of his wallet.
Sometimes I really hate being an adult. You know, they did a study recently that said elderly people are actually the happiest age bracket? When you're a kid you think it's terrible and you can't wait to be in your twenties or thirties, and then you get there are realize it's no wonder so many young adults are alcoholics and on all sorts of antidepressants and whatnot. I guess when you're much older, maybe you've paid off your mortgage and all your credit cards and you're just hanging out playing shuffleboard by the pool and just worrying about how long you have left, or maybe not even worrying. I'm afraid of getting old and dying but at the same time, if things are just downhill from here for awhile, I wonder how I'll be able to handle it...
 
 
 
 
On another note, I signed up for two college classes for this coming semester: General Pharmacology and Medical Terminology. I went for two years and did all my nursing pre-requisites but then decided I didn't want to be a nurse, and after a two year hiatus I've decided to go back and study for Health Information Management. So that's pretty exciting.

getting by
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Date Joined Sep 2007
Total Posts : 40575
   Posted 7/15/2008 2:51 PM (GMT -7)   
I am glad that you can take this lightly. There is nothing much that you can do about it now anyway, right? I think as we get older, we just quit worrying about things, there is too much other things to do. Worrying doesn't get you anywhere. I have messed up my check book numerous times. Now I try to keep an extra hundred in there that I don't write in. That way I never go over. But that is me, I got tired of paying penalties. They charged me 125.00 for a 20.00 mistake. Oh well. expensive lesson for me.

I hope that your day gets better,
hugs, Karen
  Moderator-Depression and fibromyalgia
 
fibromyalgia, Chronic fatigue, depression,allergies


ediekristen
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Date Joined Apr 2007
Total Posts : 1366
   Posted 7/15/2008 3:08 PM (GMT -7)   
I usually am pretty good with keeping it balanced but I've just been so tired/stressed/busy/etc and I just forgot a few purchases that were made and since they take forever to post them I didn't even think about it. But yeah that's how I'm thinking.. I mean, I am really worried but at the same time, since there is literally nothing I can do, there's really not much point. I'll just have to wait till tomorrow and see if they add penalties and keep my fingers crossed. At least it happened after rent was paid so this coming paycheck I don't have many obligations so it won't really hurt that much. It was just that moment when I checked his account and it said -$50, and I just got that cold, sinking, panicked feeling.

Female, 23, Ulcerative colitis (pancolitis) since 1999; GERD; gastritis; osteopenia in femur head & lumbar region of the spine from long term prednisone use. 

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Waiting for my appointment with the new GI on July 18th. Insurance finally kicked in, hooray!

 
 
 


getting by
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Date Joined Sep 2007
Total Posts : 40575
   Posted 7/15/2008 6:04 PM (GMT -7)   
I know that feeling oh so well. Right in the pit of your stomache. But it went away. Sometimes it feels like it never will. Once I calm down it is better. I think that is anxiety creeping in. I am glad that you don't feel that way now. And tomorrow you will know more.

Good luck with this,
Hugs, Karen...
  Moderator-Depression and fibromyalgia
 
fibromyalgia, Chronic fatigue, depression,allergies


djdaz_1985
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Date Joined Jan 2006
Total Posts : 2408
   Posted 7/16/2008 2:00 AM (GMT -7)   

Hiya,

I think we have all been guilty of that at sometime or another so I wouldnt worry about it too much. There are times when I go more than £5 over my limit and I get charges £30 a day (They can only charge you 5 times a month thank god!) The best thing to do is to get the $50 into his account as soon as possible and try not to worry about it too much. Stress etc... is what caused this to happen in the first place right???

Darren


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ShynSassy
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Date Joined Dec 2005
Total Posts : 3036
   Posted 7/16/2008 4:26 AM (GMT -7)   
Edie

If you have alot going on,then it might be time for your b/f to help with the checkbook. Just explain to him that at some point you can't keep up. And I don't know how you do it anyway if he just uses his debit card,it would be hard to keep track of his spending when he is not around all of the the time.

What if he just takes care of his,and that way some of the pressure is off...
Shy


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Chronic Depression, Panic Attacks,Anxiety Attacks,Anorexia

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ediekristen
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Date Joined Apr 2007
Total Posts : 1366
   Posted 7/16/2008 6:34 AM (GMT -7)   
I am so thankful right now... Whoever put the overdraft fee on his account rearranged the order of the purchases so that the one that caused it to go over (the cable payment) was last so it was the only charge over, instead of Five separate charges, which means I only got one overdraft fee of $29 instead of $150. They really didn't have to do that and if it was my old bank they would've charged me for everything they could. It's comforting to know that not everyone in the world wants to make life difficult for you.

Shy, I think I will have him handle his.. I only started doing it because it was easier if I was paying the bills, but there are times when he stops at the gas station but doesn't give me the receipt and that's how we get into this mess. Either that or I'll just have him withdraw his paycheck in cash and just use that instead of making a million debit card purchases.

ShynSassy
Veteran Member


Date Joined Dec 2005
Total Posts : 3036
   Posted 7/17/2008 4:53 AM (GMT -7)   
That is awesome, at least you only have the smaller fee.

I think it is a good idea to let him handle his. Then if he gets an overdraft,it will be on his shoulders and not yours.

That is one less thing that you have to worry about then.
Shy


Mod- Depression

Chronic Depression, Panic Attacks,Anxiety Attacks,Anorexia

Please remember,I am not a professional..I am just a person who is also fighting depression.


I know I'm in my own little world, but it's ok. They know me here.

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