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<blockquote data-quote="hearts and roses" data-source="post: 214979" data-attributes="member: 2211"><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">About a year and a half ago, I was food shopping on a Sunday afternoon. The bill came to $165 and I wrote a check, knowing that my paycheck would be direct deposited at Midnight, knowing that the money I had in my account was not going to cover the check but that by the time the check went through my bank the next day it would be more than covered. </span></span></span></p><p> </p><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">Well, imagine my horror and embarrassment when the cashier announced, rather loudly if you ask me, that my check bounced. Right there! There I was putting away my wallet and getting ready to turn and leave, thinking all was right in the world and then the cashier lays that one on me. I was truly horrified and said, "Impossible - how could it have gone through my account already? My pay gets deposited tonight at midnight". The guy behind me said, "Everything's gone electronic - you can't float checks anymore" as if he too had lived through the same embarrassment. Thankfully, H was with me. I covered half the groceries and he the other. To say we briskly left the store is an understatement. Ugh.</span></span></span></p><p> </p><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">I haven't ever floated a check since. You just have to be more careful with planning when you spend your money or pay bills. Another thing to do is to apply for an overdraft protection with your bank that is tied to your checking account, just in case. And I pay all my bills on line, so I know exactly what I'm playing with and how much to keep in reserve for other regular essentials I will need until next paycheck. I hate living paycheck to paycheck, and for a while we enjoyed a time when it wasn't like that, but these days...hmmmm.</span></span></span></p><p> </p><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">I usually buy a turkey for charity every Thanksgiving with some fixins'. I can't this year and I'm more bummed that I can't help others than anything.</span></span></span></p><p> </p><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">Christmas will definitely be much simpler this year and our girls know it, though I don't think it's truly registered in difficult child's little head yet. I already told H not to spend more than $50 on me. He has a habit of splurging and then complaining to me about it later. I always tell him not to do it, but he's uncontrollable. </span></span></span></p><p> </p><p><span style="font-family: 'Century Gothic'"><span style="font-size: 12px"><span style="color: indigo">Chris, your holiday plans sound lovely. That's what I do, homemade canned items and baked goods. My boss gives me a case of wine every year so I am able to give out a bottle or two to close friends as well. </span></span></span></p></blockquote><p></p>
[QUOTE="hearts and roses, post: 214979, member: 2211"] [FONT=Century Gothic][SIZE=3][COLOR=indigo]About a year and a half ago, I was food shopping on a Sunday afternoon. The bill came to $165 and I wrote a check, knowing that my paycheck would be direct deposited at Midnight, knowing that the money I had in my account was not going to cover the check but that by the time the check went through my bank the next day it would be more than covered. [/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo][/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo]Well, imagine my horror and embarrassment when the cashier announced, rather loudly if you ask me, that my check bounced. Right there! There I was putting away my wallet and getting ready to turn and leave, thinking all was right in the world and then the cashier lays that one on me. I was truly horrified and said, "Impossible - how could it have gone through my account already? My pay gets deposited tonight at midnight". The guy behind me said, "Everything's gone electronic - you can't float checks anymore" as if he too had lived through the same embarrassment. Thankfully, H was with me. I covered half the groceries and he the other. To say we briskly left the store is an understatement. Ugh.[/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo][/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo]I haven't ever floated a check since. You just have to be more careful with planning when you spend your money or pay bills. Another thing to do is to apply for an overdraft protection with your bank that is tied to your checking account, just in case. And I pay all my bills on line, so I know exactly what I'm playing with and how much to keep in reserve for other regular essentials I will need until next paycheck. I hate living paycheck to paycheck, and for a while we enjoyed a time when it wasn't like that, but these days...hmmmm.[/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo][/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo]I usually buy a turkey for charity every Thanksgiving with some fixins'. I can't this year and I'm more bummed that I can't help others than anything.[/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo][/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo]Christmas will definitely be much simpler this year and our girls know it, though I don't think it's truly registered in difficult child's little head yet. I already told H not to spend more than $50 on me. He has a habit of splurging and then complaining to me about it later. I always tell him not to do it, but he's uncontrollable. [/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo][/COLOR][/SIZE][/FONT] [FONT=Century Gothic][SIZE=3][COLOR=indigo]Chris, your holiday plans sound lovely. That's what I do, homemade canned items and baked goods. My boss gives me a case of wine every year so I am able to give out a bottle or two to close friends as well. [/COLOR][/SIZE][/FONT] [/QUOTE]
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