A Checkbook Mother Fucker! Do You Use It!!!
So, I got hit with some overdraft fees. I didn't think about it too much because I figured I'd been dumb, not been keeping a close eye on my account balance, spent too much, and deserved to loose the money to the gods of checks and balances. Then I got a letter. The letter also contained a check that I thought had been deposited. That I was accounting to be deposited. Turns out, not so much.
So, I figured that I'd be having to go to the bank, fight a loud fight in front of grown-ups that thought that I was a dumbass kid. Instead the process was not only simple and straight forward (turns out I hadn't done anything wrong except that I can't deposit checks that are signed over to me in an ATM) and not only did the check get all sorts of into my account, but I also had the overdraft fees whisked away out into the great wide open. So, good gosh. I usually expect that something like that will be a pain, but, thankfully not so much today. I am, however, going to give myself a kick in the ass to keep on top of my checkbook. For which, I found a nifty little program called Cha-Ching that (if I use it) will help me be orginized, stick to a budget, and be happier and more attractive. It's not every day that personal finance software will offer that kind of ROI. But, really... isn't personal finance software all about ROI?
Yes. I really did just make a money-geek joke about my sexiness level. I think today I rolled a 16, hopefully I'll roll a 20 tomorrow.
-Jon