Bad Day, good day, Gay Day!

[angelchicken]

Yesterday was a truly horrible day. Yet, it was also an incredibly wonderful day. And, of course, gay.

Bad Day

Yesterday I bounced my rent check.

::cringes::

I have never bounced a check before. Well, no, I actually bounced one in college, but that, in fact, wasn't my fault and while it reflected on my I could still feel a bit of moral superiority and purity knowing that I was not, in fact, to blame.

Rent check was all my fault. Because I am a dumbass. And the bank and USPS were freakishly efficient. Oh, I actually bounced two checks, but the other one was $50.00 to my High School that I sent two weeks ago and I have to say that compared to my rent, I am all what the fuck ever. So I got paid on Friday. Direct deposit. I ended up sending out my rent on Wednesday thinking that it would get there Thursday (maybe Friday) and that by the time the check was processed it would be Friday and the money would be there to cover the check. I mean, I can't think that's an unreasonable assumption. Especially since my landlord usually takes his sweet, sweet time depositing the checks anyway.

But not so much in this case. The check went out Wednesday afternoon, Landlord got it Thursday, immediately deposited it, and the check went through. Then at 12:00am Friday the money went into my account. After the check.

This? Totally my fault. But seriously, what are the odds? Well, apparently pretty good. The upshot is that the money is there and when the check is redeposited by the bank, which I have been assured they will do, the check will be covered. Of course I have a sixty dollar fee for two bounced checks and this is going to be a decidedly black mark on my credit. ::double cringe:: Oh, but I did call my landlord immediately and groveled to his machine and professed mortification and so at least he hears it from me and not the bank. So there's that.

Also, the bank said I OMGMUST apply for overdraft THIS SECONDOMG!!!!111! to prevent this from happening in the future so I did and got declined because DUH I had just bounced a freakin' check! And I am a little irritated at myself because I *know* I applied for overdraft when I opened the account, but I never followed up on it and so it was either declined or didn't go through and I didn't follow up and now I have a bounced check on my record.

My Questions:

The bank will redeposit my check, yes?
Am I going to be thrown out of my apartment?
Do I fail at life?
Have you ever bounced a check?
Did you wind up in a box in Central Park with only the pigeons as friends/dinner?

How do I go about checking my credit? I have buried my head in the sand long enough and really just need to know. Is there a web site? Or something? Because I want to know.

Yeah, yesterday really, really sucked. A lot. I felt like such a failure. Like a screaming moron. And I ate an entire bagel. Okay, it's just a bagel, but I rarely eat them because they are so freaking bad for you but I did and I didn't even enjoy it that much. Le sigh.

You know what? I'm going to continue this in another post. Because I don't want to contaminate the good with the stinky bad. :P

ETA: also, because I had no money (how this all came about in the first place) I ended up closing my long dormant savings account which only had $100 in it and hadn't been added to but I liked having a savings account, dormant it may be, because it felt like a very grown up thing to have and I was pleased with my paltry savings. But I needed the money. Damn it. : (

Comments

[certainthings.livejournal.com]

You'll be okay. :nod:

[angelchicken.livejournal.com]

Thank you, my sweetums. It would have been hard to eat the pigeons after I befriended them. *frets (retroactively)*

[katesti.livejournal.com]

I've bounced many a check - my bank (Wells Fargo) covered it, but then it came out of my next deposit. Which made me sad, but now I have a credit card through my bank that's basically only for overdraft protection.

I'm burying my head in the sand about my credit as well, so I am of no help to you there.

You'll be fine, though, I promise. I'm fine, and I promise that I am much much worse with money than you are.

[angelchicken.livejournal.com]

Thank you. It turns out that I didn't bounce, per se, I overdrew which, as it turns out, is different in that, like you said, the bank covered it and they took a fee. But I called them and got them to halve it so I'm only paying $30 instead of $60 and my landlord still got his money one time.

Huzzah!

[sunbrae.livejournal.com]

Yeah, we just bounced something. Because Mr. Sun doesn't always tell me when he spends money (not that I care), so I didn't know and paid... something online. Our bank went ahead and paid it, but I did get an overdraft fee. We're going to try and set up a line of credit. The bank will automatically draw money if my checking has insufficient funds, but it's like a loan and we'll have to pay a bit of interest until we put the money back in the loc account. Maybe your bank has something like that?

You do not fail at life. You totally should have had enough time for your check to be deposited.

[angelchicken.livejournal.com]

I know, and it's better now, but it *really* freaked me out. I joke, but I was picturing me being kicked out, my roommate being kicked out, losing my job, screwing up my entire financial future, never being able to rent again. I tend to get carried away. I don't think I'm going to set anything up now, as I am (hopefully) moving soon-ish. But I will definitely think about that in the future. I don't need to create *more* stress for myself. :P

Thank you, love.