April 4 (Monday)
No Spend Day
April 5 (Tuesday)
No Spend Day
April 6 (Wednesday)
No Spend Day
April 7 (Thursday)
No Spend Day
April 8 (Friday)
No Spend Day
April 9 (Saturday)
No Spend Day
April 10 (Sunday)
$3 on Keno ticket to brake a $20 bill
$8.50 GO train ticket
$6.00 Hot dog and drink
~*~*~*~*~*~*~*~*~
I mentioned the other day that ING hadn't taken the money out of my account. So I called them to ask them not to. The Rep I talked to told me that she wouldn't but well she did. Thus resulting in my Company Account being over drawn by $48. I freaked out when I found out yesterday. I am trying to put an end to these over draft charges and I am now going to have another month of them. So today in the poring rain I walked to the nearest Scotia ATM to take out 50 and than walked to the nearest Company Bank to deposit it in my account over drafted account. I am so frustrated with this whole situation.
I called my Company Bank about having overdraft protection put on my account. However the min amount I would have to have is $500 and they would have to pull a hard credit check. First off I don't need $500 of over draft protection I only need $50. And I really don't need the hit on my credit bureau. I have way to may strikes against it as it is. I just can't afford to have another one on it.
No Spend Day
April 5 (Tuesday)
No Spend Day
April 6 (Wednesday)
No Spend Day
April 7 (Thursday)
No Spend Day
April 8 (Friday)
No Spend Day
April 9 (Saturday)
No Spend Day
April 10 (Sunday)
$3 on Keno ticket to brake a $20 bill
$8.50 GO train ticket
$6.00 Hot dog and drink
~*~*~*~*~*~*~*~*~
I mentioned the other day that ING hadn't taken the money out of my account. So I called them to ask them not to. The Rep I talked to told me that she wouldn't but well she did. Thus resulting in my Company Account being over drawn by $48. I freaked out when I found out yesterday. I am trying to put an end to these over draft charges and I am now going to have another month of them. So today in the poring rain I walked to the nearest Scotia ATM to take out 50 and than walked to the nearest Company Bank to deposit it in my account over drafted account. I am so frustrated with this whole situation.
I called my Company Bank about having overdraft protection put on my account. However the min amount I would have to have is $500 and they would have to pull a hard credit check. First off I don't need $500 of over draft protection I only need $50. And I really don't need the hit on my credit bureau. I have way to may strikes against it as it is. I just can't afford to have another one on it.
Can you set your bills etc up by automatic payment instead of direct debit? That way you'd have the power to decide when your payments come out, and not them (as long as it's in by due date of course).
ReplyDeleteYou are are a No Spend demon - wow, I am so impressed!
ReplyDeleteHey Moneyfreedomlife,
ReplyDeleteIts not bills that are coming out of my account its the 25$ for my retirement and emergency fund. ING says it when ever The Company post it, so they take it out at 12 am on the day of but the Company may not post it and debt it from my account unit midnight on the day... its really complicated.
Wow look how little you are spending. I,m so impressed. Maybe you should have come on holiday with me !!!
ReplyDeleteI think I hate banks, they make the stuff ups and we cop the charges, definitely not fair.