I don’t know about you, but when I get a notice from the bank saying I’m overdrawn, it makes me want to cry.

And with online banking all the rage, it’s even easier to find out that you have no money.

For those of us living paycheck to paycheck (or maybe in this economy, you have no paycheck), it can be hard to control your funds. It’s difficult to find ways to cut spending and maximize the money you do have. That is, if you have it. And overdrawing a bank account is just one of the many ways that banks are telling you, “You lose.”

And once you “lose”, you lose big. Let’s not forget that, besides the thought of having negative dollars in your bank account, you have to now pay overdraft fees, which amount to more negative dollars. And they add up if you don’t come up with the money quick enough.

And then, because you’re busy trying to bring your bank account in the green, you can’t pay your other bills. Phone bill, credit card bill, etc. So, you end up paying late fees and interest on those. And it just adds up to more and more money.

And then, guess what else happens? Your credit score goes down.

You know what I have to say? Screw banks, screw credit cards, screw credit scores. Just because I don’t make enough money to live in today’s society doesn’t mean that I’m a bad person.

But, they sure make you feel that way, don’t they?

Frankly, I’m going to keep my cash under my mattress. It seems a lot safer, anyway.

Oh, do I wish this was me. impactlab.com

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2 Responses to “Overdrafting”

  1. 1 The Gangster of Love June 14, 2010 at 5:11 PM

    Banks are for suckers, I take my money to the casino!

  2. 2 Jeremy from We Took The Bait June 24, 2010 at 2:08 AM

    Though you wouldn’t have concerns about overdrafting if you kept your money under a mattress, you’d always run the risk of having a relative unwittingly replace the boxspring where you’ve secretly stashed upwards of a million dollars.

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