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.You know what's really progress? You used to pay that fee every month and call it "the cost of banking." (BTDTGTTS)I sympathize! I really hate getting caught by those little things, to the point where I've started to structure my accounts to avoid even the possibility of me messing up.Have you considered looking a little bit further into your bank's options? For instance, my old savings account (that I finally closed) had a monthly fee for falling below X balance, but they would waive it if you had an automatic monthly transfer set up. Or my checking account would have a monthly fee, if it weren't for the fact that I have my paycheck direct deposited. That kind of thing. It's still better to maintain the buffer, but those things can protect you against the oopses.
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