Confessions of a Laid-off Lawyer

Just Your Average Joe Blogging Away His Debt—In One Year or Less

Posts Tagged ‘Coalition For the Homeless

More More More

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Total Black: -$66.34
Total Red: $229,108.48

All day long a non-existent Lady Gaga tune has been going through my head.  An imaginary earworm, if you will.  In that husky voice of hers, she chants “More More More” and sings about all the people pulling at her.  Since this past weekend, I’ve felt the same.  It started with an email from my sister scolding me for not calling my mother.  Credit card companies won’t let up.  Even commenters are getting a bit demanding.  And now the temp job too.  Can you hear her?  More more more . . . . Keep reading . . .

What is This, Sarcasm?

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Total Black: $10.99
Total Red: $228,519.06

So that $20 I donated to Coalition for the Homeless?  It’s going to end up costing me $55 once the insufficient funds fee is tacked on.  Best laid plans, eh?  But sometimes you just have to laugh.  It may be the laugh of the absurd, but it beats crying.

One of my student loans is set up on automatic debit each month.  It’s only about $100 a month, so I figured I’d let it continue.  It posts on the first of the month.  Well, I forgot that today is the 1st of September.  Unless that $20 donation and a few other transactions remain pending until tomorrow, sometime after unemployment gets paid, then I’ll be hit with about $130 in insufficient funds fees.  See, Bank of America posts its transactions from highest to lowest.  There’s been a few lawsuits challenging that practice, alleging fraud and misrepresentation.  It only happens with debit cards too because if you go over the limit on your credit card, you’re not charged typically unless you remain over the limit after that month’s statement closes.  But with debit cards, the banks view it as if you wrote a bad check.  And regardless of the timing of your purchases, my bank still posts them highest to lowest.  Here’s how it works. Keep reading . . .

Change to Spare?

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Total Black: $406.64
Total Red: $228,519.06

In a prior entry, The Lowly Penny, I wrote about my own struggles to unclench my hand.  Unfortunately, despite quite a few opportunities, I still haven’t given anything to people I pass on the street.  In fact, at one point last week, the only money I had was $2.50 in my pocket from one of the participants of the bookclubs I organize when she paid her RSVP fee in cash moments earlier.  As I walked home with that money in my pocket, I wrestled with giving it away versus getting something to eat to hold me over until the morning when unemployment money came through.  I don’t know which is more embarrassing, that I kept the $2.50 or that I used most of it to purchase an instant noodle dish for dinner.  I must have stood in Duane Reade for about fifteen minutes thinking through all the variables of the items I could afford.  A box of pasta for $1.99 would supply at least three meals, but I’d have to eat it plain because I didn’t have any sauces, oil, or even butter to dress it up.  A can of tuna fish for $2.09 would’ve worked, but it was tuna in oil and I don’t really care for that type.  Tuna in water cost more than I could afford.  I debated the chicken-flavored Ramen noodle six-pack for $2.49 because that would have provided at least three meals (I usually double-up on the Ramen noodle packs because they’re small portions).  But I decided not to chance it because I was unsure if New York charges tax on food and I didn’t want the embarrassment of having to give it back because I didn’t have enough on me.  None of the credit cards had room to cover the few cents extra it might have cost.  I had to laugh though as I stood there comparing prices.  I had this image of myself on The Price Is Right deciding whether the actual retail price was higher or lower than the price being displayed on the can of stew or box of mac & cheese in front of me.  I knew the answer, I explained to Bob Barker, because of that low point in my life in Duane Reade figuring out what I could afford to buy. Keep reading . . .