lauralh | timeline of stupidity (Reply)

4/19 - decide to pay my credit card off. Put -xx for that in planned budget

4/26 - credit card paid off. I underestimated by about $25, and therefore changed the budget to reflect this. Or at least I thought about it. Didn't.

5/6 - a check for about $25 goes through for my strep throat culture from January (got the bill in april); before this my bank acct matched my balance. Before I see it, I write a check for my bank balance+paycheck coming in the next day, for rent.

5/7 - the paycheck comes in with no problem and steve deposits my rent check.

5/11, 9am - I check my bank account and panic; it's under the amount the check I wrote last week by about $23.

9:30am - I wake up my boyfriend, still abed in my room, to inform him that I desperately need a loan (overdraft fees are like $60). I tell him he can go back to sleep till the proper wake up call.

11am - I call him again.

11:15 - He calls me; the restaurant holding his debit card hostage isn't opening till 4pm, so his only option is to use his credit card for a cash advance. They'll probably charge him about $20, but as that's less than $60 he goes for it.

12:15 - He drives downtown to hand it to me. He got $40, of course, as it's an ATM and he also wanted me to have some extra cash.

12:30 - I go to Wells Fargo to deposit the cash.

1:55 - the rent check goes through; I have $17 in my bank acct.

7pm - I transfer $40 from an online bank; it will take two days to go through.

YESTERDAY:

2pm - I notice that my domain name is expiring in under a month. I go to a site to renew it for $12.

4pm - I get home from work and decide to go to the grocery store, as I am mostly out of vegetables.

4:05 - I am halfway there and realize that 17-12=$5 which isn't really anything. But I will use the credit card option of my debit card, and maybe the other $12 won't have gone through yet.

4:45 - I get home, check my balance. $5. I panic, write myself a discover card check for $30, and walk the six blocks to my bank.

5:05 - The ATM claims my balance is $17 again.

5:30 - I get home all sweaty but relieved.