2/18/2012 Bank Fees

I am sure you are wondering, where I went.  Truth is, I haven't gone anywhere.  I have been still stuck at home with very little to do.  But mostly, I have been so scatter brained, there is nothing that has been bothering me or even staying in my brain long enough to be a bother.  But this morning I got such a happy suprise, it got my brain going.

So....

When I wake up, I always check my emails.  See what is going on in my small little world.  I got an email from my bank.  I hate those.  When I see those I know I did something wrong and they are going to stick it to me big time.  When I opened the email, and then opened my eyes,

Very.......

Slowly.....

Wow!  It was only a bank statement!  I finally made it through 1 month without any fees!!!!!  Now, before you bash me, I never used to have any problems.  But when you go from bringing in enough money to enjoy life, to making only 30% of it.....  Well expect some adjustments and some fees. But back to my rant.

Bank Fees

I swear there is a fee for everything.  A fee to remove your money in an ATM.  A fee to return a check, OD fees, and a fee from the company that got the check back.  Yes, they are all fees for me not budgeting or watching my funds correctly.  But look at it this way:

Check comes in making your account balance -$5
Bank Charges $35 but sends the check back.
Store charges $40 to resubmit the check.
Bank's fee makes account in the negative so they charge $5 for every day you don't bring your account into the positive.
Then the company resubmits it again causing the same circle of events.
So, a bounced check, costs you hundreds of dollars.  That takes food off the table, gas out of the car, and no fun for the family for the month.

What really should be done?  Well, I should watch my account better, make more money.  Wait.  No job for that.  Well, you get the idea.  It really isn't the bank's fault for me being negative.  But, I wish they would understand more.  I wish I was not a number to them. 

But back to my positive note.  I HAD NO FEES THIS MONTH!!!  Happy dance time!!

Maybe today is not a rant.  It is a joy! 

Time to have that special cup.