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UGH

September 15th, 2012 at 04:05 am

I made a $300 error in my checkbook. I transposed a number. I found it today when I went to check my bank account to see the amount of the paycheck. Unfortunately the error meant that a couple of checks that went through yesterday weren't backed and the credit union did our privilege pay (overdraft protection good for 10 days to be paid back) twice, which is $13 plus a $2 fee for transferring .69 out of our savings account because if there is any money in the savings account they transfer it first, even if it is a stupid amount that won't cover anything. That is one thing I really hate. Anyway, so that's $28 of fees.

I feel like an idiot, but I'm trying not to be too hard on myself. Here I was thinking I had $92 in that account and I have been so on top of things. I am always so careful about balancing the checkbook and checking the account every other day. I know it's just an accident, but for crying out loud, my degree was in accounting, I know to check for transposed numbers. Thing was, I still couldn't figure it out. DH had to find the error for me. *sighs*

Well, it's sorted now and the checkbook has been rebalanced and life goes on. This is one of the few times I regret not having my EF at the same credit union as my checking, where they could have just transferred the money with the $2 fee. If I need to I'll take the money out of the vacation fund and the laptop fund. We still might be able to squeak by without, but since I am buying those tomatoes tomorrow it might be a little harder to just get by.

I'll try to get a budget post up tomorrow. I feel better when I do that, and not let it slip like I did for several months this year.

Posted in When Life Happens | 5 Comments »

5 Responses to “UGH”

  1. FrugalTexan75 Says:
    September 15th, 2012 at 04:08 am 1347682090
    1347682090

    You might want to call the CU on Monday and see if they'd forgive you one of the fees. Worth a try. Smile

  2. LuckyRobin Says:
    September 15th, 2012 at 04:11 am 1347682291
    1347682291

    No, they won't forgive fees. But at least they are far lower than if I'd done this at a bank.

  3. rob62521 Says:
    September 15th, 2012 at 02:15 pm 1347718528
    1347718528

    I think we all do things like that. At least your CU covers it (and charges you for it, I know), but better than getting a bad reputation with the folks you wrote the check for. Don't beat yourself up -- it was an honest mistake.

  4. North Georgia Gal Says:
    September 15th, 2012 at 04:37 pm 1347727035
    1347727035

    Transposing numbers is a common thing to do. And sometimes it takes another set of eyes to find the error. Don't beat yourself up over it.

  5. snafu Says:
    September 16th, 2012 at 03:49 am 1347767388
    1347767388

    We're all human & make mistakes so don't be hard on yourself. Consider keeping $300. of EF at CU linked or checking float. We keep $ 1,000. 'float' in our chequing a/c because it gives us totally free banking services and with interest so abysmal it's cost efficient. With our DKs away at university, I sleep better knowing they can access funds in minutes if needed.

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