• Date Started: Jul 11, 2007
• Entries: 2
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NSF

8 Responses to “NSF”

1. Nic Says:
   July 12th, 2007 at 04:44 pm 1184258681
   1184258681
   Each month, you know when certain bills are due such as ccable,electric etc. See if it's possible to adjust your automatic payments and/or, the billing dates. You may also consider stopping them all together and just write a check or pay online.
   

2. Ima saver Says:
   July 12th, 2007 at 05:48 pm 1184262524
   1184262524
   I always deposit the cash money before I write the checks.

3. disneysteve Says:
   July 12th, 2007 at 06:23 pm 1184264584
   1184264584
   This sounds like it relates to the thread recently about debit vs. credit. Sounds like support for my argument of using a credit card, not a debit card. That way, the money doesn't come out of your account right away. You can pay the bill at your convenience once you are sure you have adequate funds in the account.
   
   Ignoring for a moment that you might want to skip that $2 cup of coffee all together, the problem now is that when you run your debit card through to pay that $2, you aren't sure how much is in the account at that moment. If, instead, you swiped your Visa card, it wouldn't matter how much was in the account. All that would matter is if you had the funds available to pay the bill in full when it came.

4. Stein Says:
   July 12th, 2007 at 08:09 pm 1184270946
   1184270946
   Sounds like a good reason to use cash. If you don't have $2 in your account, it doesn't make much sense to finance it with a credit card (if there isn't $2 in the account, there isn't $2 to pay the credit card).

5. fairy74 Says:
   July 12th, 2007 at 10:01 pm 1184277718
   1184277718
   ditto Steve, give up all luxuries until you get the timing of the finances on track

6. disneysteve Says:
   July 13th, 2007 at 12:53 am 1184287984
   1184287984
   Stein - It really depends. I often use my credit card to make purchases for which the money is not in my checking account at that moment. Since my checking account earns no interest, I usually keep no more than $3,000 or so in there at any given moment. A typical month, however, I'll have as much as $10,000 in payments come out of that account. If I used a debit card for every purchase, I'd have to keep a whole lot more money in that account or risk overdrawing the account. And forget using cash. It might be practical if your monthly spending is a few hundred dollars but it isn't so practical when you routinely spend thousands. No way I'm walking around with that kind of cash. As always, there isn't one right answer or one system that works for everyone.
   
   I will agree that T-Jay may need to tighten the spending control to get a better handle on things no matter how the bills are getting paid.

7. Carolina Bound Says:
   July 13th, 2007 at 12:34 pm 1184330049
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   My son has had the same kind of difficulties. He has gone cash only, except for the few checks he writes for utilities. He's finally getting a grip on things.

8. dtjunkie Says:
   July 19th, 2007 at 03:47 am 1184816835
   1184816835
   Aarrghh!! I hate those too!! It's always the one small transaction that messes everything up. At $35 a pop, those NSF fees really add up. I usually go through a week of hating my bank for it, then I eventually take responsibility for it and forgive them. Sigh... In my lifetime I've probably had almost $500 go to NSF.

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