Teckie4lyfe ([info]teckie4lyfe) wrote,
@ 2008-04-03 14:51:00
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Current mood: crushed

And I was having such a good day....

I lifted weights, I wrote entries b/c it's my anniversary, I was feeling good.  

And then the mail came. 

...And I'm 90 dollars in the hole in the bank.   

I thought I was doing so well, keeping up with my checkbook and everything.  I write my receipts down all the time.
::sigh:: apparently not ALL the time. I missed a couple transactions, which put me 4 dollars UNDER a check that I wrote for rent.  They paid the check, but they charged me 34.00 to do so.  And I didn't know it.  So I made other transactions on top of that, which each got 34.00 charges as well, b/c they covered it.  

I ALSO found out that just to view your balance at a NON company ATM, they charge you 2 dollars.  Then another 2 dollars when you SEE that balance and say "Ok yeah, I've got enough, lemme pull out 20 dollars."  So pulling out 20 dollars turns into pulling out 24.  There was also some other fee in there that I didn't understand but by that time I was through trying.  

So now my 330.00 paycheck that will get deposited tonight will be only worth about 240.00.  

And i wanted to do something nice for our anniversary.  Or at least order something for the wedding.  Like the little placecards with bells that are only 5.95 for a box of 50.  

I feel like such a fucking failure.  Everytime I think I'm doing pretty good with this fianances thing (which I SUCK at anyway), I get another crushing blow like this one.  And the stupid fucking bank charges you for using the card as a debit, so I can't do that shit either.  

Oh, and did I mention that Pattengill STILL has not paid me for the gig I did on the 15th of FEBRUARY?!?!  And the other one I did on the like, 3rd of MARCH.  

I checked the mail today thinking "Maybe I'll finally get that check today".  Nope.  Instead I got a notice that I was 90 FUCKING DOLLARS IN THE HOLE!!

I'm fucking done.  
Life sucks, money sucks.  
I'm done growing up.  I'm going to start growing DOWN.  Back to where I didn't have to worry about shit. 

....and now I have to go to work.  And help people who actually HAVE money, find what they want to buy.


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[info]mypoliticalove
2008-04-03 07:31 pm UTC (link)
You're not a failure. You have a college Degree so you're ahead of most of the rest of the world. And your degree is in something you love, which is better than most college grads can say. You just live in one of the shittiest economies in the Union and honestly America's economy really isn't that much better. Hope things get better.

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[info]47_percent
2008-04-03 08:41 pm UTC (link)
UGH GOD. i cannot tell you how much HATE THE BANK. in fact, all the bank tellers at the downtown branch location know me by my first name because of one particular instance where i was cursing out the branch manager about some bullshit overdraft fees (which were not my fault, and i proved it, and they owed me money). you should go to your bank and ask about overdraft protection...which means they will give you a low-interest credit card, so when you DO overdraft, they will pull $9 from your credit card per DAY, rather than per PAYMENT you overdraw...and then you just pay off the credit card in payments. well, that's what 5/3rd does anyway...it still sort of sucks, but it's a lot better than the $34 every time overdraft fee. fuckers.


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(Anonymous)
2008-04-05 06:01 pm UTC (link)
Welcome to the real world. Don't bother growing down; the annoyances won't go away. If anything they'll get worse.

It's time to expand your horizons. See if you can find a community-ed program on "money management for dummies" or something. It can save you a lot of aggravation (it did for me, at any rate, and you know how I am with money (but I wasn't always)).

You're an adult. It's assumed you have the knowledge to participate in your own financial planning. If you do not, get it - no one is 100% on your side except you.

-Yer Dad
(who, despite all outward appearances, loves you and will try like hell to get a weekend off the tour in September, even if he has to walk in to Michigan from Boston)

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(Anonymous)
2008-04-05 06:05 pm UTC (link)
(p.s. cussing out the bank personnel doesn't help. They can only do what the board of direectors tells them to do, and it makes you look like a moron. Banks are only in business for one reason: To make Money. If you can undersand the motivation, you can use that knowledge against them and profit from it)

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[info]teckie4lyfe
2008-04-05 07:35 pm UTC (link)
You can always count on Dave to pick you up when you're down....

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(Anonymous)
2008-04-06 12:29 am UTC (link)
Yeah well... That's how I roll.

-the Old Fart

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