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Change in Plans

February 3rd, 2015 at 05:42 am

I had planned to work on the credit cards before anything else, but I just messed up. A few weeks ago, I wrote a check for DC's adoption. Normally, I'm good about tracking those things, but with all the stress of these last few weeks, it totally slipped my mind. So this morning, when my bank account was -86, I naturally freaked out. I have 45 in my linked savings and will get cash out of my other savings to cover the remaining difference, but the damage is already done as the check hit yesterday and they've already charged the overdraft fee ($35). This completely changes my February budget.

My new priority is the $200 buffer which I will take from Friday's paycheck. It means some of the cards may not get paid in full this month. No interest is accruing on one of them, so that will be my last priority.I will certainly still try to have all 3 paid, as I will be babysitting for half the month. I also plan to do my taxes this week, so depending on if/when I get a refund, that will help as well.

2 Responses to “Change in Plans”

  1. michdado Says:

    DF- maybe you could try to call your bank to see if they would reverse the charges this one time as a "Customer service courtesy." ?? Might be worth a shot...

  2. FrugalTexan75 Says:

    Like michdado suggested, try calling the bank to see if they'll refund the fee.

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