I haven't had an overdraft on my checking account in years.
And I'm still not sure how I got one this week-end. I have a check register. I use the check register. I list all of my automatic payments. I keep a running tally.
So how did this happen?
Umm--can you say basic math?
I made a $200 subtraction error when I deducted my mortgage and PITI payment.
Why is it that such errors are never in MY favor?
I blithely used my debit card, and in the process, overdrew my account by $34.00.
Fortunately, I won't incur one of those $35 fees. BUT, a cash advance from my credit card was made automatically, which incurs a fee, not to mention interest from the date the charge is made.
This week is not starting out well.