Okay, so, I referenced in my status post for today that my bank is playing games with my deposits, holding them for longer than usual to keep my account balance low in order to fish for overdraft fees. This along with selectively processing debits out of sequence “for your convenience” are among the tricks banks are known to use to pad out their bottom line at your expense.
The protection against this is to maintain sufficient cushion in your account as to never give them the opportunity. It’s nice if you can manage, but a lot of people can’t. Just another example of how it costs more money to be poor than otherwise.
Come to find out that they’ve been doing the same thing to the other major bank account in our household, shared by Jack and Sarah. Sarah got paid on Thursday, and originally we were going to get groceries with that on Friday. The money hadn’t cleared, though, and as of today it still hasn’t.
We’ve been limping along on leftovers and odds and ends, and will be continuing to do so at least through some of the meals tomorrow. This is harder for us to do because we have specialized dietary needs that rule out a lot of the cheapest, bulkiest staples for filling out a meal.
So if you can help, I would appreciate the help. The best way to do so is to leave a tip in my PayPal jar (or http://www.paypal.me/AlexandraErin), or if you’ve been thinking about signing up for my writing class this coming Friday, do so sooner rather than later. Either of those things make money available for me to spend at the grocery store with almost no delay. You can also send money through Square Cash (http://www.cash.me/$AlexandraErin) if PayPal won’t work for you, but that’s likely to be subject to the same delaying tactics.
This is the kind of situation I’ve been talking about when I’ve been describing my financial status as okay but insecure. The growth of my income from things like Patreon and my D&D writing are going to help in the long-term, but none of that is going to come through soon enough to make a difference to our immediate situation. Right now we are skating on thin ice and the ice is getting thinner.