So I'm kinda in rage-mode right now. So I apologize for the following rant.
As it stands, between my 4 accounts in my 2 banks, I have a total of
-$8.17 to my name (donations are happily accepted). And I still haven't paid my phone/insurance bill to my dad this month. Awesome, I know. Luckily, I HAVE paid my rent this month. Which means I'm not gonna get evicted. Thank goodness. Because, as much as I love my parents, I do not want to move back in with them.
The problem with banking right now is that they have this horrible thing called an "overdraft fee". It is a terrible fee that is a tax on the poor. I know. I know. It is how banks make their money and it's a necessity and I'm a whiner. Blah blah blah. That doesn't mean that I like it AT ALL. For those that don't know what an "overdraft fee" is. It is a fee you get when you go into a negative amount in your bank account. So it is a fee that they charge you for being broke. Why that makes ANY sense, I will never know. It's like giving people tickets for not having car insurance. They don't have car insurance because they can't afford it. So you fee them? That's obnoxious. Yes, it makes sense. But it doesn't solve the problem.
Anyways, so they place a big fat fee on you ($35 in my case). Which sends you even more into the negative. And for every week (I think) that you're in the negative, they fine you $35 more dollars! Sending you further into the negative. Awesome! Please! Fee me! So I now have an ugly negative number in my bank account. I can't buy groceries. I can't pay my dad for my phone and insurance bill this month. And I can't put gas in my car. Wanna know the problem with that? Without gas, I can't go to work. If I don't go to work, I don't get paid. If I don't get paid, I have no money to put into my bank accounts. It is a long, vicious cycle. Hopefully, one that will be broken with my next paycheck.
Also, I have the flu. Incredible.
Leaving on a good note, my antidepressants are working wonderfully and I am feeling like a completely normal person. I have my ups and downs. And I get to actually enjoy my ups! It is absolutely amazing. No, I am not constantly in a good mood. And that's not what I want. I want to have normal emotions. I want to have goods and bads. With depression, I couldn't have those. I had bads and REALLY bads. But things are getting better. And I couldn't be happier.
Happily overwhelmed.
-R
Do you really want donations? What banks do you use? And why do you use 2 banks?
ReplyDeleteHahaha. No, I'm not begging for money. I'll always accept money but I'm not begging for it.
DeleteUCCU and Wells Fargo.
I use Wells Fargo because it is the bank I originally started as. Then, I opened an account at UCCU at the beginning of freshman year because it was a lot easier to use than Wells Fargo and because of a bunch of other conventional things as well.