I hate money...
Once again, I have managed to screw up my finances. I don't understand how I do this! I'm so careful about writing everything down. I knew that I wouldn't have enough money to cover my rent check until this past Thursday. But I just kind of hoped and prayed that it wouldn't clear before the weekend. And I thought that even if it did, that it would just be a $28 overdraft fee, which is a heck of a lot better than a $50 late fee. I kept checking my online account to see if it had cleared and nothing had gone through. But then this morning, I noticed a returned check fee. Uh-oh....
There's nothing online about the check being processed but the bank says it was presented on the 5th and then returned. They always bitch at me that I don't *really* have overdraft protection. I have to connect my account to a Bank One Credit line for that to be the case. Well, shit, if I had good credit, I wouldn't be in this problem in the first place. And besides, I do NOT want a credit card.
You know what I wish? I wish that I could wipe my money slate clean. Not necessarily good credit but to just get rid of all the debt. I owe money to three separate credit cards and then who know how many hundreds (thousands) of dollars to my poor mother. As if she didn't go into debt enough putting me through school!
This is so frustrating. Maybe God will look down upon me and see that I don't want to have to ask my parents for any money. THat I'm trying to sustain myself on my own. That November is going to be tight enough without having to pay an extra $150 or more in fees because my paycheck came two days too late. What else was I supposed to do? I suppose I could have asked my mom to put money into my account and then I would write her an immediate check. But I didn't want to have to ask for anything. They already do so much for me and they can't afford to help out any more than they are.
I want to cry. What else can I do to earn more money? I'm thinking that I might need to get a second job. I'm certainly not getting enough to sustain myself, even though I thought I was. I did a nice little Excel spread sheet and it says I should have $250 left every month. That's a little over $50 a week. Umm, not gonna cut it, I guess?
.....sigh.....
There's nothing online about the check being processed but the bank says it was presented on the 5th and then returned. They always bitch at me that I don't *really* have overdraft protection. I have to connect my account to a Bank One Credit line for that to be the case. Well, shit, if I had good credit, I wouldn't be in this problem in the first place. And besides, I do NOT want a credit card.
You know what I wish? I wish that I could wipe my money slate clean. Not necessarily good credit but to just get rid of all the debt. I owe money to three separate credit cards and then who know how many hundreds (thousands) of dollars to my poor mother. As if she didn't go into debt enough putting me through school!
This is so frustrating. Maybe God will look down upon me and see that I don't want to have to ask my parents for any money. THat I'm trying to sustain myself on my own. That November is going to be tight enough without having to pay an extra $150 or more in fees because my paycheck came two days too late. What else was I supposed to do? I suppose I could have asked my mom to put money into my account and then I would write her an immediate check. But I didn't want to have to ask for anything. They already do so much for me and they can't afford to help out any more than they are.
I want to cry. What else can I do to earn more money? I'm thinking that I might need to get a second job. I'm certainly not getting enough to sustain myself, even though I thought I was. I did a nice little Excel spread sheet and it says I should have $250 left every month. That's a little over $50 a week. Umm, not gonna cut it, I guess?
.....sigh.....