Ever screwed up like this?

Yep.. just about every week, but it's usually a lot worse. We typically live off our overdraft protection from our bank.. we've got it down to a science how to make sure all the smaller things go through first so that only the biggest one overdraws so we only get the 1 overdraw fee. Our paycheck is direct deposited so it's always covered the following week.. but we still do it again anyways. Well recently my bank decided not to cover overdraws anymore, you had to opt into it, which we did, but for some weird reason they aren't covering it anyways. I just bounced my power bill, and it was a disconnect notice too.. oh we're in so much trouble!! We're actually heading out today to try to get it straightened out.. wish us luck.

" Ever mess stuff up like that? " What ? Are you kidding me ? The only reason I cease to plan payments and pay whenever I can / remember / tomrrow-they-wil-cut-off / similar situations. Messing thing the way you describe is my middle name.

Just recently I has taken all of the money that I had out of the bank at the ATM because I was going to be paying my electric bill in cash at the grocery store. I was cutting it close taking the money out and really only had about $2 left in my account once I pulled the money out. I got an overdraft notice in the mail several days later and I was confused. Apparently when the kids had convinced me to go through the drive thru at McDonlads almost a week before I took the money out it had STILL not been taken out of my account. It came through right after I took the money out of the ATM. The notice I got said that I had 5 business days to get the money into my account before they charged me the $35 fee. I got the notice on a Saturday on the 5th business day. It was less than an hour before the bank closed too. I got in there just to find out they had already charged me the fee. I did get it reversed though since I did get in there on the 5th business day and I was only a whole 28 CENTS overdrawn. I hope you figure out a way to get the money in there and not get charged a fee.

Wow! That's one experience I wouldn't dream of having. As much as possible, I always see to it that the checks I issue are recorded properly. Also, I maintain a list of bills to pay every month so as not to miss any. It's hard to earn money especially these days so I'd rather not waste any on penalties and fines.

Yes, unfortunately, I have messed up like that often. I definitely need a better bill system and a better filing system. Papers seem to multiply like rabbits at our house! Important papers get lost easily that way. Don't you love it when the ATM is out of order??? It used to happen quite often where I lived before, but hasn't happened to me in a while. That is SO frustrating! Banks here often have their computer system down when I am in front of a teller. Wouldn't you think banks should get their act together a little better? I almost missed a really important payment one time because the computer was down. Good luck with your electric bill. I hope you were able to cover it in time. Know that you are not alone with things like that! : )

Yes in a similar mess when it came to money. I once went to work and on the way i realised that i forgot my wallet at home...i went to work...skipped my lunch as i had no money. Luckily i had the office cab for travelling. This has happened quite a few times.

Because our life has been out of whack for about eight weeks, my husband did this on my primary account. We both can sign on all the accounts, and he usually is faithful to keep them up to date. Needless to say we lost cash we needed.

Hi Macdingolinger, I messed up like that once many years ago. My daughter had lost a sneaker out playing with friends and I was pretty broke but thought I had at least enough to cover a cheap pair of sneakers for 5.00 just to get by until payday. I had made a math error in my checking account and I paid nearly 100.00 for that cheap little pair of sneakers with all the fees etc. It was such a nightmare that I shut my account and just used cash for years. If it hasn't gone thru and done it's damage yet, I'd borrow the money and deposit it asap. The fees for a bounced check are deadly now.

Hi Macdingolinger, Yes I always experienced that stuff. So every pay day what i always do is to save half of the amount for my bills so that when the cut off comes I already have half of it and then get the other half for the next pay day... It works for me.. i hope this will continue to be this way..

Who hasn't. However, I now make sure I have the money in the bank before I pay anyone anything. I don't like to be withdrawn because the fees are outrageous. In fact many times they are more then the bill you were paying.

No...I never messed up like this.

Same here. I messed up! I gone short in the grocery and I forgot my wallet luckily my ex-husband was there to save the day.I feel awful and it happens to me twice.The other one I went for Makati,Philippines I was in the cab. I was about to pay my fare when suddenly I am looking for my wallet its was not was not there in my bag.Well sorry for me I have to go back in the house to get my wallet.Oh! gosh I'm really screwed up that time and its so embarrassing experience.But after never again.