finance.jpgI’m writing this with gritted teeth, because I am so insanely mad at myself over the whole overdraft protection thing. As I mentioned in my last post, Mommy Dearest has saved my butt on this issue numerous times of late, as I’ve been a jobless college student spending an ungodly amount of hours on public transit everyday because I’m too broke to own a car. Oh, wait, this is all a good thing, because I’ll be graduating debt-free! (If I can learn to control my bank account before then.)

For me, I have never consciously used my ATM/Debit card when I knew I didn’t have enough (or any) money in my bank account. All the times I’ve overdrawn have been because I didn’t have an accurate perception of how much money was actually in that black hole. Needless to say, when I overdraw my account, nine times out of ten I am overdrawing by a few dollars. For which I have to pay $27 in fees. Which pisses me off.

Since opening a bank account in my own name all of a month ago, I’ve overdrawn twice, and both times were on accident. (Do you see a pattern here? Someone needs to start writing down all her purchases!) So now I have a crapload of fees to pay because I bought something a few bucks over my limit. Ugh. I need to start thinking about a getting a secured credit card so I can begin to be rewarded for spending other people’s money. Responsibly, of course.

Now there’s a savvy college student.