I had to go to the bank again. True confessions time for all of you financially confident ones out there. I had an unexpected expense, then let my accounts go for a bit while I was out of town, and realized I'd gone over too late to stop a three check landslide (ouch). So today I went to the bank to see if any of my overdraft charges could be waived. Luckily one could.
The guy I was working with was very polite. As long as I was there I wanted to get a truly free checking account (My California one was free as long as I had direct deposit, but I don't anymore), and see if there was anything that would link overdraft into my savings, instead of a credit card. He said there was, but with a minimum daily balance of $1,000. Ha. As if THAT'S ever going to happen on my paycheck. Anyway. So he kept pushing the credit card option, which I don't want to do because in college that was the beginning of my debt landslide. I continued to "Roll over" things from my checking onto my credit card, and I maxed it out three times, my limit was increased, and I continued spending. So that isn't really an option for me. I'd rathe rpay the occasional overdraft than be tempted to spend money that isn't there. Once he heard about that he kept pressuring me "Based on my financial history." But he wouldn't believe me when I said that I've had things under control for a while, and it isn't really a problem anymore. I mean, one landslide in a year isn't bad compared to my college years. But he only saw me for what I had been, not the progress I'd made, and I'm so frustrated!