So I imagined writing this beautiful introduction about myself, my life and my reasons for getting out of debt. I wanted to tell the world that I was ready to dig myself out of the hole I dug and how I am motivated by wanting to create a better life for me and my son. All of these things are true, but I am starting this blog with a something that could only happen to me.
I have all my bills on auto bill pay. I have a habit of having the money to pay bills, but forgetting to pay them....please don't ask. So last week I go and set my bills up for bill pay and then go on about my business. As I was checking my e-mail, I got two e-mails from my bank saying some of the bills I wanted to pay were not going to be paid due to lack of funds in my account. I was confused as I had $628 in my account and my bills only totaled $618. So I go and check my accounts; I have 3 with my bank, and rip them a new one for screwing up my payments. After looking for a few seconds....behold, I find MY mistake. I set up the bills for auto pay from the WRONG ACCOUNT!!! So far I have $86 in NSF fees and I am awaiting at least $60 more for payments to my credit card bills that have not cleared but are too late to cancel. Not only do I have to find the money to pay the bank for the bounce check fees, I have to find the money to pay fees on the other end. I have a headache. And I want to puke. I tried calling my bank, but they are closed and what would I say to them "I'm an idiot. I paid all my bills from the wrong account, can you be nice and refund $140 in NSF fees?" "Ummmm that would be a big, fat NO lady!" as they are laughing in the background.
What a wonderful way to start off my debt journey with a mistake like this lol!
