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:ugh: I hate technology sometimes.... - Random babblings of a fiber-obsessed nutcase

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Previous Entry :ugh: I hate technology sometimes.... Dec. 11th, 2013 @ 07:53 am Next Entry
Spent yesterday quietly freaking out - seems the Orthodontist accidentally ran Himself's downpayment thru 2x. Which, of course, caused all sorts of problems with my bank. :sigh:

See, I get paid 1x/month. I have everything budgeted and scheduled - I end payday with $50 (sometimes more, but always at least $50) to last the rest of the month, which, since I budget so tightly works fine for me. Except when someone takes $200 out that I wasn't expecting. :sigh:

After numerous phone calls (I actually held it together during them - thank the knitting for that!), they agreed to refund the $200. We're still "discussing" the overdraft charges ($134 worth. :OUCH!:)....I really hope they do the right thing. It's not my fault that I was assessed the charges, it was because of their error...but we'll see.

Meanwhile, I knit. And knit. Auntie's mitts are *done*, SG's Balmoral is fulled and blocking (he knows about it; I had to have him try it on. Sure enough, I had to full it a bit more.), and I am in the midst of a beautiful cowl for me. I have a pair of mitts for me, a pair of mitts for Herself, a pair of gloves for SG and for Himself, and a Balmoral for Himself in the queue.....those'll keep me busy for a while.

Chloe is a dream puppy. So far, no destruction (other than muddy paw prints). She likes to take stuff outside, but - so far! - she hasn't eaten them. She likes to get into the trash...so the can now lives on the counter. She's a total love-bug - which Himself needed. I think he chose (well, he was chosen!) a good dog.

Guess I should get back to knitting. School starts soon......photos later. :lol:

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Date:December 11th, 2013 03:36 pm (UTC)
I have an overdraft protection account which costs me $15/year and covers me for up to $1000 in overdrafts. I have to pay interest if I have a balance on it over 30 days.

It's been worth it to have that cushion against the occasional "ooops". I've used it probably a dozen times in the past 5 or 6 years. Usually when I've paid a bill online just before payday and it cleared faster than I expected. So an "overdraft" costs me about $7.50 which is way cheaper than my bank's $25 returned cheque fee, let alone what other fees might accumulate.

It's not an account that I can access, except to pay it off (which I do by online transfer) but it's a very nice piece of security.
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