Stupid, stupid, stupid!

Wednesday, January 06, 2010

One of my goals for 2010 was to blog about my emotions instead of eating to deal with them, so here goes…
I checked my checking account this morning and I was negative $200. I had $80 in stuff clear plus got hit with 3 $34 overdraft charges.
I transferred the last $80 from my savings and am still short $120.
I left my boyfriend a frantic tear-filled message that I needed to borrow money.
After doing so, I remembered we set aside $500 cash we had gotten for Christmas, so I will just have to take $200 of that and deposit it, even though I was hoping to save it for a trip.
It is my own fault. I didn't pay close enough attention to what had already cleared my account, I just assumed everything had, when in reality a lot of things hadn't because of the holidays, so I was spending money I thought I had but didn't.
I am feeling guilty for being so irresponsible, and foolish for not paying more attention to my account. I also feel absolutely horrible that I have to take $200 out of our vacation fund to cover my mistakes. We weren't going to use it anytime soon, so I am incredibly grateful that this money was there for me to fall back on, but I still feel horrible that I have to use it. I plan on putting it back $50 at a time when I can.
I am a believer that everything happens for a reason, so maybe this was just the bold wakeup call that I needed to be more financially responsible, but I feel horrible. I just lost $120 for being stupid.
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Member Comments About This Blog Post
    Banks make a LOT of money off simple mistakes like these. You lost track for a little while, but that doesn't make you stupid - and you're using this as a learning opportunity to take control of your finances. How smart is that??

    Everybody has those kinds of days, unfortunately. Glad to hear you had some backup funds to keep yourself in the black. --Marsha
    3946 days ago
    If that had happened last Friday, you and I would have had a very similar day. I made the mistake of depositing cheques in the bank machine instead of at the teller. They end up putting a hold on a large portion of cheques for 5 business days (which, over Christmas ended up being almost two weeks). I forgot about the automatic withdrawals I had set up for a bill and ended up with a $35 insuficient funds charge. Today I am paying $300 to replace a windshiled that started out as a small chip i could have had filled for $75! So don't feel stupid. We all have those days. Deep breaths are keeping me sane today, how about you? Good luck!
    3947 days ago
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