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Bad Monday (Are there good ones?)

August 3rd, 2010 at 01:33 pm

Monday Morning

6:15. Baby has fever of 102.3

6:30. Husband informs me he is going to a funeral.

7:00. On-line statement reveals negative balance.

7:15. Investigation reveals that we have $3.00 in cash between us.

7:30. I raid son #1's piggy bank to give $ to husband for funeral. (Son #1 is too busy trying to convince Baby to make funny faces to notice he's been robbed.)

8:00. Husband leaves for funeral (with $), son #1 goes to school, baby decides to watch TV on the couch with me. I make mental note to re-pay son #1 when he's not looking.

11:00. Finally get to Dr.'s office. I offer silent prayer thankful that we have health care account credit card for co-pay. Dr. determines Baby has a virus that cannot be treated. We head home for a nap.


Our bank was bought out a couple months back and they have finally finished transitioning our accounts. For the second month in a row, the checking account has overdrawn on the 1st of the month. Because it appears to be their fault, I'm not being assessed any fees, but it is a real PITA. Not to mention it's stressful knowing that we're running that close to the line on the budget. I'd like to change banks, but husband says I'll get over it --and points out that we're running out of banks. (The ones I pick keep getting bought by bigger ones.)

If nothing else, I've learned one thing: we're going to have to keep some extra cash on hand for emergencies.

5 Responses to “Bad Monday (Are there good ones?)”

  1. north georgia gal Says:

    Sorry you had a bad Monday! Hope today was better!

  2. Amber Says:

    Wow, but I would look into changing banks if you're not happy. Hope today was much better

  3. whitestripe Says:

    perhaps you could go with a bigger bank and save all the hassle? i know lots of people don't like the bigger banks, and it's probably different here than it is in the states, but none of the smaller banks could offer me what I wanted in terms of mortgage, CC's, rewards, savings & cheque accounts, so I went with a bigger one and have never had any hassles.

  4. campfrugal Says:

    I think looking into a larger bank is wise decision. There are also credit unions that offer a lot of great services. You can check bankrate.com http://www.bankrate.com/rates/safe-sound/ssPromo.aspx to see which banks are safer than others.

    Don't go with the "I'll get over it" mentality attitude. That just sounds like a recipe for disaster

    Also, it is very stressful to have only a few dollars on hand. You really need to make a plan. Have a change jar (not your son's) you could throw your change and extra dollars into. Even if it is just minimal, it would be there for you just in case.

    I actually have a change jar called the "Jamee Jar". I put my change and a couple one dollar bills in their for my 15 year old, whenever I can. That way, when I am not home and he needs someting, I don't have to worry. He is very responsible and only takes what he needs. It has been so helpful and keeps me de-stressed when he is going out and needs something to drink or eat.

  5. Homebody Says:

    Oh my....at least you were able to stay home for the day.

    We recently bought a gun safe since our granddaughter and daughter were coming to live with us while SIL deploys to Afghanistan. We keep a few hundred in it for times of need. It is a big help.

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