User Error...
So, I'm doing bills two days ago. I'd not been a good boy with regard to reconciliation so I had a months worth of entries to do. I did them. At the end Cambridge Trust said I had about $1500 more than I said I had. Weird. Now that had to be a problem with something big, not just someone forgetting to input the 70k times a week I'm at Dunkin Donuts. The amount seemed to equate to rent. And there still was a little "n" in the cleared column for November's rent check.
I went downstairs and asked Colin if he'd cashed the November rent check. He'd been busy, including a two week business trip over the first of the months, so... But he had. It took him a bit to find it, but he actually gave me a printout of the cancelled check.
And so I thought somehow that Colin's Bank of America had given Colin the money, but Cambridge Trust hadn't debited my account. So I was in a position of going to Cambridge Trust yesterday to say, "Ummmm, hi. There's...ummmm...too much money in my account." More than one person said they wouldn't mention it, but I felt that I would transfer money from checking to savings, then they'd find the error and overdraw my checking account. It wasn't worth it.
But it was a weird error. No one could really remember it happening before. And so, yesterday, with the copy of the cancelled check and Elizabeth, the computer, in hand (Elizabeth holds my financial records), I went off to Cambridge Trust.
I'd not even gotten all the way down Bay State Road when something made me look closely at the cancelled check. And thereupon the mystery was solved! The November rent had been drawn from M&T, not Cambridge Trust! I'd written the rent check on the wrong bank. M&T had covered the overdraft from the savings account. All was well. And, indeed, I did have an "extra" $1500 in Cambridge checking which, last night, I promptly transferred to savings.
I now have saved 20% down on a $220k house. Not that I'm thinking along those lines, yet!
I went downstairs and asked Colin if he'd cashed the November rent check. He'd been busy, including a two week business trip over the first of the months, so... But he had. It took him a bit to find it, but he actually gave me a printout of the cancelled check.
And so I thought somehow that Colin's Bank of America had given Colin the money, but Cambridge Trust hadn't debited my account. So I was in a position of going to Cambridge Trust yesterday to say, "Ummmm, hi. There's...ummmm...too much money in my account." More than one person said they wouldn't mention it, but I felt that I would transfer money from checking to savings, then they'd find the error and overdraw my checking account. It wasn't worth it.
But it was a weird error. No one could really remember it happening before. And so, yesterday, with the copy of the cancelled check and Elizabeth, the computer, in hand (Elizabeth holds my financial records), I went off to Cambridge Trust.
I'd not even gotten all the way down Bay State Road when something made me look closely at the cancelled check. And thereupon the mystery was solved! The November rent had been drawn from M&T, not Cambridge Trust! I'd written the rent check on the wrong bank. M&T had covered the overdraft from the savings account. All was well. And, indeed, I did have an "extra" $1500 in Cambridge checking which, last night, I promptly transferred to savings.
I now have saved 20% down on a $220k house. Not that I'm thinking along those lines, yet!