Friday morning I was checking my bank account to see if a Paypal payment had posted (it hadn't), and I was shocked to find out that my account was overdrawn by $158. The servicing company for my student loans had taken their $211.75 payment twice, resulting in an overdraft fee of $29.00 from my credit union. What makes it twice as frustrating is that this error happened because I called them about a message I'd received stating that my payment was late. They pushed the payment thru the automatic withdrawal process while at the same time telling me to make the payment online with while talking to the customer service rep. "And since it was their mistake, they'll happy to refund the $211.75, but that process takes 6-8 weeks." Seriously? You're holding my money hostage for 6 weeks?
After I calmed down, I spent most of my day rearranging my spreadsheet to cover the bills for May. Nothing will be cut off, or even late, but I feel guilty that I won't be sending my mom a Mother's Day present, but luckily I already have cards for her and my Grandma.
Are you ready to read some good news?
- There are 4 eBay/half.com transactions that will make up some of the missing money (about $35), and I relisted a several of video games that didn't sell last time.
- As I was angsting over not having Mother's Day presents for her, my Mom was asking if I want her to wire me money. (No, you silly woman, that's not necessary. But thanks anyway.)
- My work-mom brought me a bag of groceries. Apparently her husband likes to buy too much when he does the shopping. I wouldn't have starved and told her so, but the thought that someone cared enough to do that made my day.
- I got an email from the Kmart rewards program with a bonus $10 in credit that had to be used by today, so I was able to stock up on toilet paper, koolaid mix, and chocolate without spending any money.
- I have no student loan payments due until August. This should enable me to pay off all the other debts (except the car) by my birthday, which is the day before the next student loan payment is due.
