No. of Recommendations: 7
Hi all,

You might remember when I first posted I was paying a $15 month fee because I was failing to maintain a $100 balance in my checking account. Well, I have been doing really well at that until today. I was tracking my balance and being careful not to let it fall below $100. I knew that there were checks, etc. coming in, and that I needed to make a deposit from my savings to cover and maintain the $100. I procrastinated too long. I wanted to make the deposit yesterday, but when I checked my account and saw the main item I was concerned about wasn't in yet, I decided to wait until today to make the deposit (don't ask me why; convoluted thinking).

Well, it turns out the item DID post yesterday. I feel like I could kick myself, because I haven't paid that fee in FOREVER (I think pretty much since I started posted here). So, I called the bank to understand what times things clear/get reconciled and how long I have to make deposits, etc. So at least now I have enough information to make intelligent decisions about when/where I have to make deposits. I know I could save a lot of trouble by going to an online bank, and I do have an online checking account, but sometimes you need to hand someone a paper check this works out for me. There are other benefits to my brick and mortar bank, but I will spare you the details.

I'm upset about this, but I have given myself permission to make a mistake, learn from it, and move on. I tend to obsess over little things like this, so I am going to have to remind myself and least all morning (conservatively) that I am not perfect and that Rome wasn't built in a day, but hopefully I will get over it.

What's the point of all this: well, it's just that. I AM human, and I WILL make mistakes, but this $15 is not going to alter the course of the universe and it doesn't make my whole debt elimination plan null and void. It's a small setback, but one that can be remedied and one that I can use to motivate me in the future. Maybe it's the inspiration to take another look at how I am managing my checking/savings and see what needs to change to avoid this in the future.

So, what am I going to do now? Take a few deep breaths, remind myself it's OK to make a mistake, not allow myself to harbor anger against myself (no point being angry with the bank, these are the terms I agreed to), and keep on going. That's easier said than done, but I'm going to keep on trying.

Thanks for letting me vent. I needed (need) to let it out.
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