October 6, 2008

Har-tow

Went to the bank a few minutes ago.  Thinking I was down $452, I made a deposit of $550.  I then asked for a printed statement (I don’t do online banking due to complications.  I also have a desktop computer.  Fuck you.).  After the deposit, I had a balance of -$16.75.  Dammit!  Can’t get over the hump.  In the parking lot I tallied up the hurt.  From ugly to worse.  It appears the St. James paid me $325.84 on the 30th of September.  That amount, however, did NOT get me in the positives and then I followed it up with 4 more overdrafts.  Then I saw that the overdraft fee had gone up from $30 to $35.  Getting expenseeve, I says to myself. 

The run-down:

  • 9 charges were for a cup of coffee
  • 6 charges were for fast-food meals that cost less than $7
  • 1 charge was for a refunded $6.11 purchase.  This will be looked into.

The final tab: 20 overdraft fees @ $35 per fee = $700.  Including the cash that they covered for me, my net worth took an $892.59 hit.  Currently, my checking-account balance is resting @ -$16.75.  I do, however, have $518.49 in my Sportsbook account, with $80 already invested in future wagers.  Does this put me in the “degenerate” classification?  Probably so, but it doesn’t change the fact that I need a minimum of 48 points from the Vikings/Saints tonight to seal that parlay. 

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