So, yeah. I'm super-happy about being super-busy, because #AnyDayOnSetIsAGoodDay. But there are drawbacks to being super-busy, one of which is time-management.
Usedtabe, I'd open Quicken semi-daily, reconcile all the accounts, pay a bill or two as soon as there were sufficient funds to do so, and get on with my life. It doesn't take any time at all or even a helluva lot of brainpower, if you do it every coupla days or so.
Once I got super-busy, I had to find time to open Quicken and have it talk to the accounts. Not that I ever let anything get paid "late", mind you. But certain cards are used more frequently or regularly than other cards, and a weekly check-in feels insufficient when you've been doing near-daily.
One of those cards was ready for a payment this weekend. Having just deposited a coupla paychecks from setwork (#KaChing!), I went ahead and paid the card. Unfortunately, the only way to make deposits on the weekend is either at the ATM or via the mobile app, both of which only "credit" the first $200, leaving the balance to wait until one full business day has passed. Or, at least, that's how it works at the SAG-AFTRA Federal Credit Union.
So even though there were technically "SUFficient funds" in the account, those funds weren't technically available until today, so when the credit card cleared the influx yesterday, the bank called it "INsufficient funds", automatically transferred the less-than-a-hundred bux it would take to be "SUFficient", and charged me five bux for the privilege.
I am sick to death of businesses charging me nickel-and-dime fees for the PRIVILEGE of working with them!
First off, if I had known that the funds were going to wait until today, I would've waited to pay the fucking card. Secondly, I thought credit unions were supposed to be #BetterThanBanks, because "Membership has its Privileges" or some shit like that. Thirdly, no, really, actually, this should be first-point-five-ish, after one day of having withdrawn less than a hundred bux from the overdraft account, I already accrued THREE CENTS in interest! One Fucking Day equals three cents in interest on a loan, but how much interest does my hundred bux earn in savings, hmmm? Significantly fucking less.
I called the credit union. They explained it to me like I'm a fucking moron, and after "reviewing my records", they credited me the five bux. Because she was so fucking condescending, I wasn't going to ask for the three cents. But it's all such bullshit. And really, this was just the straw that broke this camel's (i.e. me/mine) back.
I've already been truly pissed off by our new utility billing. Usedtabe, water/sewer and trash were included in our rent. But #BecauseCovid, more people are home and so the landlords decided to split them "proportionately" among the tenants, and the company they use to bill us has the gall to claim that this type of billing encourages conservation. Bull-fucking-shit. But on top of that, they charged us ten bux to set up the bill (that we never requested in the first place), and then another three bux every month for the privilege of being billed that way... and if you want to pay it with a credit card, that's another two-fiddy!
#NickelsAndDimes... It's not that I can't afford these bills. I just shouldn't have to pay these ridonkulous fees. No one should. It's all just a big steaming pile of bullshit.
Thanks for letting me rant (like you could stop me if you tried) - I'm feeling much better now. #MontyPythonForLife #ImNotDeadYet
Please use my comments section to tell me about your #NickelsAndDimes reason to bitch. I'd love to think I'm not alone in this particular irk.