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Over Draft Fees.

August 16th, 2013 at 04:47 pm

I'm trying so hard to get my money back into place but it seems like these overdraft fees are kicking my butt. I had to call and get the overdraft protection taken off my account. I check my account it it show one balance but when I spend some of it I see that I over drawn my account. I'm start from the beginning with savings since I have been out of the work for around a year and a few months. I'm hoping that will help me because I really am trying to getting tired of not having any money on payday. I know I also need to start doing my budgeting sheets again. I thought I was keeping track of everything coming out but I guess not. I'm too blessed too be stressed about this situation. I’m just down today because it's my Birthday Weekend and I had to cancel my travel plans for this weekend it wasn't nothing major just a two day trip to the DC. Frown Since DC isn't going anyway anytime soon I hope to plan another trip when my money isn't looking so funny.

Posted in Finances | 4 Comments »

4 Responses to “Over Draft Fees.”

  1. Kiki Says:
    August 16th, 2013 at 07:30 pm 1376681427
    1376681427

    Usually the online amounts are for the day before and do not allocate the spending that hits your account overnigt when pay at station money is debited from your account.

    My main bank shows two amounts: daily balance from day before and the amount now in the account when payments are in the system to be processed that day.

    I would stop using it and only use cash. Let the account settle all outstanding checks/ debit transactions. Once a week take what you need in cash and only use cash. Do not use your debit card. I do this. It prevents me from spending beyond my allowance amounts.

  2. Petunia 100 Says:
    August 16th, 2013 at 07:59 pm 1376683155
    1376683155

    Those overdraft fees are so expensive, and you get nothing of any value for them.

    Don't rely on the balance the bank shows, always keep track of your balance yourself. Switching to cash is a great idea.

    Good luck! Smile

  3. Looking Forward Says:
    August 16th, 2013 at 08:42 pm 1376685748
    1376685748

    I agree with the other gals. I'd stop using the debit card. Take cash out for daily spending and just using checks for larger spending should be easier to account for.
    I'll tell you I bought Quicken and I love it. For me it makes keeping track of all my accounts and planning ahead easy.

  4. fruitbowlk Says:
    August 18th, 2013 at 03:38 am 1376797088
    1376797088

    Thank you so much for your advice. I will try cash and see how it work for me.

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