Published on September 27, 2005 By Texas Wahine In Misc
Aaaaaaaaaaaaaaahhhh!

How do I always manage to do stuff like this?

I was getting a jump start on bill paying today...I like to go ahead and set up the payments before payday so I don't forget and end up paying something late. So, I entered my amounts, set the date for payday, and clicked submit.

Or so I thought.

I forgot to set the date for my phone/internet bill...so it went with the default option. Today.

The bill is being paid right now. At this very minute.

And this is a problem because...

I have (had) about $140 in the checking account. That's not a lot to some folks, but it's plenty to last til payday (Friday) for me and the kids. In fact, I've experienced far worse right-before-payday snafus and account balances. I was pretty proud of the $140 figure. I even bragged about it on the phone to my hubby last night.

My phone/DSL bill is BIG. It's not car payment big (heh, I'm smart and split my car payment between the two paydays), but still...additionally, I tend to overpay bills just for kicks (well, not JUST for kicks, but it's nice to pay more when you have it so that the next bill is smaller in case you don't), so now I've got about $50 in the checking account for 3 days.

That's not too bad. Not great, but not too bad.

But wait!

I then, with full knowledge of my payment mishap, went to the Shopette and bought a magazine, snacks, and some cereal bars.

That left me with around $30. Not yet a dire situation, but certainly not impressive.

But wait!

On the way home with my purchases I realized that the debit from the gas I got yesterday wasn't on my statement.

So here I am. With about $15 for three days.

And it didn't have to be this way. What a bummer. Stupid! Stupid! Stupid!

You think the school will let me pay for my kids' lunches by showing them my boobs? No? Really? You're sure? Luckily they've got some money in their lunch accounts, but they'd better go easy on the extra milks for the next coupla days.

Comments (Page 2)
3 Pages1 2 3 
on Sep 27, 2005
Moderateman:
tex? you have the right to remain silent anything you say can and will be held against you in a court of law, if you do not have an attorney one will be provided to you for free.

do you understand these rights? heh/.


Brutality! Brutality! (ok, that wasn't silent and peaceful, hehe)

little whip:
It's only illegal if the check is not honored when it's presented for payment, and even then the merchant will just write you a nasty letter, demand you make it right, PLUS pay their extra fee, and then get scalped by the bank for another $35 in overdraft charges...even if they didn't honor the damned check!


That's one nice thing about the way my checking account is set up (tied to a credit card). Cause if the bank is going to overdraw you on something, they'll pass the big thing through first and then if there are any small checks, they'll charge you an overdrawn fee on every damn one of them (instead of honoring the small ones and just charging you one fee on the largest expense which puts you over your limit).

Worst case scenario for me is that I have a bit more debt to chip away at.
on Sep 27, 2005
When Adrian's away, we eat a lot of macaroni and cheese (good with Dijon mustard for grown ups!) and hot dogs...that's my youngest's favorite meal.


Ha! When Karl was in Iraq my kids lived off of chicken quessadillas which in my house is a slice of cheese, a flour tortila and a little chicken, they thought that rocked. Throw a canned veggie in the microwave and a cup of juicy juice and bam you have all the food groups covered!
on Sep 27, 2005
Budgeting takes sooo much discipline!


I hear you on that one. I budget the big things (rent, car payment, phone), but then everything else (gas, groceries, fun money) all comes out of the same pot and I simply pray that there's money in the pot at the end of the month (I only get paid once a month, so this is even more challenging!)

That made me laugh so hard! That's the beautiful thing about children. They really appreciate the simple things in life. Growing up, I never thought we were poor...haha, everyone around us had the same crappy stuff we did!


I still eat it--though these days I don't tend to have milk around (when you are only buying for one it goes gross before you finish it) so I make it with water and it tastes just fine. The hotdogs are an additional treat when I've had time to run to the store.

Hehe. I had my oldest when I was 18, and started college (on top of work) only a few months after he was born. When you have kids, somehow you manage to be responsible for the important stuff just cause you have to...the other stuff...well...haha.

(Btw, just from reading the things you've posted on JU, I get the impression that you're not giving yourself enough credit...you seem quite responsible to me!)


I can be responsible when I want to be (ie, I pay my bills on time)--but I've grown accustom to having to look out for myself alone. I definitely lead the life of a single city-girl. In fact, I've comtemplated getting a pet but decided that the poor thing would be lonely because I'm only home when I am sleeping or getting ready to go out.

will say I absolutely HATE mornings. I hate getting up, so I figure the boys do too...so I let them sleep as late as I can!


Having to wake up starts every day off on a bad foot, as far as I'm concerned. My boss thought it was funny a while back to schedule staff meetings at 7:30 am on Mondays. I've since managed to terminate the idea. I think he got tired of hearing me gripe about them.
on Sep 27, 2005
Infantry Wife:
Ha! When Karl was in Iraq my kids lived off of chicken quessadillas which in my house is a slice of cheese, a flour tortila and a little chicken, they thought that rocked.


I'm not much of a meat eater (don't eat chicken at all), but I love cheese quesadillas. I have the mix to make my own tortillas. Very yummy.

I think having the guys away takes some of the pressure off when it comes to cooking. I definitely change the way I cook when it's just me and the kids.

Throw a canned veggie in the microwave and a cup of juicy juice and bam you have all the food groups covered!


My oldest will eat anything I make for him (and call it good!...his daddy trained him well), but I have the hardest time getting my little one to eat veggies. I have to be very sneaky.

Shades:
(I only get paid once a month, so this is even more challenging!)


That makes it infinitely more difficult IMO.

I still eat it--though these days I don't tend to have milk around (when you are only buying for one it goes gross before you finish it) so I make it with water and it tastes just fine.


This is very good to know! I can't tell how many times I've been out of milk (the kids go through it fast) and wanted to make mac and cheese for them. Hehe.

In fact, I've comtemplated getting a pet but decided that the poor thing would be lonely because I'm only home when I am sleeping or getting ready to go out.


Hehe, that's the nice thing about kids growing up...suddenly I have help with putting the dishes away and taking out the trash...a pet might love you, but he can't vacuum the living room!

Having to wake up starts every day off on a bad foot, as far as I'm concerned. My boss thought it was funny a while back to schedule staff meetings at 7:30 am on Mondays. I've since managed to terminate the idea. I think he got tired of hearing me gripe about them.


Gah, that's awful. What time did you have to get up to be able to be there on time? There was one semester of college where I had a 7:00 am class, and we had about an hour and a half of commute time. Getting up so early actually made me physically ill, lol. I can't tell you how many mornings I threw up before breakfast! Ugh.
on Sep 27, 2005
Gah, that's awful. What time did you have to get up to be able to be there on time? There was one semester of college where I had a 7:00 am class, and we had about an hour and a half of commute time. Getting up so early actually made me physically ill, lol. I can't tell you how many mornings I threw up before breakfast! Ugh.


See, I can't even blame it on an illness--I'm just plain lazy. The good thing was that getting in by 7:30 meant I was heading in before rush hour, so it was 15-20 minutes top. I only live 3 miles from my office -- but in rush hour this can take me up to 45 minutes. If it wasn't the highway, I'd walk it and make it in faster--but I have a feeling the police wouldn't be too keen on me walking down 395.
on Sep 27, 2005
The good thing was that getting in by 7:30 meant I was heading in before rush hour, so it was 15-20 minutes top.


That kind of thing saves a lot of stress. Believe it or not, we have a huge traffic problem here...to the extent that we carefully plan our trips to Honolulu and Pearl City during non-peak hours.

I only live 3 miles from my office -- but in rush hour this can take me up to 45 minutes. If it wasn't the highway, I'd walk it and make it in faster--but I have a feeling the police wouldn't be too keen on me walking down 395.


Hahaha...I'd be scared to do that. And I don't think I could motivate myself enough to walk 3 miles that early in the morning!
on Sep 27, 2005
I never have $140 sitting in my account 3 days before I get paid, so I would be proud of it too. I'm sorry but I did laugh at your dilemma... It sounds like the sort of thing I would do and then I'd be D'ohing all over the place.

As for your creative way of getting the school to provide your boys lunches, if it were me, they'd be eating for free for some time to come.

Cheers,

Maso
on Sep 27, 2005
Oh yeah, forgot to mention...

SUBLIME ROCK!
on Sep 28, 2005
Yikes. I'm going crazy with bills myself...hard to keep up with sometimes. I should sign up for my bank's epay system; maybe I'll look into it.

Also, I can't believe how much our water and electric bills have been lately...it's crazy. If it makes you feel any better, I'm in the same boat, too...waiting for PayDay Friday.
on Sep 28, 2005
As for your creative way of getting the school to provide your boys lunches, if it were me, they'd be eating for free for some time to come.


I'm with maso on that one.

The fact you mention the boobs thing along with your kids having extra milks sent me on a dangerous train of though towards induced lactation and some kind of solution . Luckily you have been spared this train of thought as it got derailed by some deeply buried sense of good taste that popped up to say hello for the first time in years.
on Sep 28, 2005
went to the Shopette and bought a magazine, snacks, and some cereal bars.


AAAAACCCKKKKKK!!!! Flashback alert, I haven't heard the word "shopette" in, oh my gosh...15 years!!! Thanks Tex, while my Air Force career was short lived, you just made me realize how long ago it was and how vivid the memories can be.

I should know this, but are you Army or Air Force?
on Sep 28, 2005

dunno bout free lunch fer kids flashing yer hooters, but.......... never mind... heh heh heh {d.o.m.} laugh

Beat me to it!  Hehehehee.

Well, there is always Mac and Cheese.

on Sep 28, 2005

On the way home with my purchases I realized that the debit from the gas I got yesterday wasn't on my statement.

That is why I dont use Debit cards.  I use a credit card so they can keep track of my expenses and then pay it off each month.

on Sep 28, 2005
you have the right to remain silent anything you say can and will be held against you in a court of law, if you do not have an attorney one will be provided to you for free.


Plah @ you! It's only illegal if the check is not honored when it's presented for payment, and even then the merchant will just write you a nasty letter, demand you make it right, PLUS pay their extra fee, and then get scalped by the bank for another $35 in overdraft charges...even if they didn't honor the damned check!


You guys are hilarious! It's only illegal if you do this and your account is closed. Although technically no one should do it but everyone and their mother does it! Recently though a new banking law went into effect where if you write a check and present it, it comes out of your account the moment it's presented. You can thank the credit card companies for that. Not all companies are up and running with the new changes though. I guess the thing would be is to know the policies of the companies you deal with!


I like that survivor suggestion Tex, the kids would go for it! Hang in there, only two more days to go. I had $20 in my pocket this morning and most of it went to buying gas! I'll bite my finger nails til then!
on Sep 28, 2005
Plah @ you! It's only illegal if the check is not honored when it's presented for payment, and even then the merchant will just write you a nasty letter, demand you make it right, PLUS pay their extra fee, and then get scalped by the bank for another $35 in overdraft charges...even if they didn't honor the damned check!


hon? "floating" checks is against the law, but you are right it's only a crime IF YA GET CAUGHT. heh
3 Pages1 2 3