Bad Day, good day, Gay Day!
Jan. 8th, 2006 12:09 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
angelchickenYesterday 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. : (
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. : (
