Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts
Whoooo, updates.

Life is happening really quickly these days. Nothing out of the ordinary has occurred, but I've found myself kind of waking up on Mondays and going "Wow, it's next week already? I barely did what I needed to do LAST week!"

Which is an unfortunate sentiment, but true nonetheless. Ah, well. Things are still getting done as they need to be, and I'm still treading water in all of my classes, despite a crippling bout of depression that has kept me feeling down and out. And by treading water I mean acing tests and doing okay on the ones I thought I for-really-real bombed.

I have taken out, as they say, a new lease on life. It's hard, but we get through it. I've got to learn to open up and rely on other people. I realized last week that the more I focus inward on my own problems, the less I notice other people's struggles. And I don't think I'm here to do nothing but gripe about my life. I think I was given a heart that loves fully, and I think I've been terrified to use it lately.

Because bringing people who aren't me into my life means surrendering control over the simple, albeit sometimes lonely existence that I live. By fully believing the lies that my brain likes to throw at me, I lock other people out. Letting depression take control of my thoughts, my tears, all of me, keeps me from being reached by the people I most desperately need.

I recently had to acknowledge the fact that I don't have much money. That may not a big surprise when you take into the account that I am in school, with no job, and no income other than just what I need to clear my share of the bills. However, that fact scared me. It made me feel something of a failure.

How backwards is that? Needing to rely on my fiance, who has a job and a steady income, to help buy groceries and gas, made me feel BAD. So many people in this world would squeal to have the opportunity to rely on someone else, and I'm moping because I have someone who's willing to shoulder that responsibility?

Seriously, I worry about my head sometimes.

But I know where it comes from. I've been a loner for a long time, and even though I've been with him for over a year now, the idea that someone is there for me in any and every capacity still seems so foreign. I had to take care of myself, for the most part, growing up. Sure, my parents paid the bills and bought me food, but emotionally and academically, I fended for myself. My parents loved me and raised me well, but my sister ate up a lot of our existence. Still does.

That's a blog entry for another time, though.

Regardless, I've been so used to isolation that it became my strength. And I've just come to realize that being alone is not strength. Being strong on your own isn't any feat - what battles do you come against when you have no friends or enemies? Being able to work with people beside you, to stand on your feet when you're afraid, to have the confidence not to back down in any of life's ordeals... that's strength. And it can only happen when you let people in and start living life, instead of hiding from it and pretending that's enough.

It's a hard lesson. One I'm still working on mastering, I'm more than ready to admit. But I've noticed changes in myself. I'm happier, despite this hormonal drag these new pills have set me on. I'm more willing to voice my opinions in groups, in classes, in hallways. What is there to fear? As long as you respect others, you can do a lot more good by speaking out than you can by sitting still.

Nobody can hurt me if I don't let them. Sure, they can say mean things, but I have control over how I react, and it's been easier to just... do what I need to get done, school-wise, but also feel happy and secure in my own existence.

My body is mine. My thoughts are mine. My humor, my style, my heart, it all makes up me, and I've come to realize that people kind of like me. I'm by no means nearing narcissism here, but it's a nice feeling.

Anyway. I am waiting for a Joss Whedon Fan Club meeting to organize here in the Comet Cafe. We're working on getting this sucker started, and I am dedicated to making friends and having Common Interests.

Take that, negativity.

Insufficient Funds

Update at the bottom: 11:00am 9/16/08

So, I check the mail this morning, hoping to find that my monthly rent check from my so gracious grandparents had arrived. Instead, I get this letter from Washington Mutual telling me that they're closing my account due to my transactions exceeding limitations.


That's funny, I have $75 in checking and $500-ish in savings. And don't you guys make $12 for every overdraft I do? And didn't I sign up for overdraft protection? What are you protecting me from, then? Overdraft fairies?

Yes, I overdrew a few times, but most of the incidents occured at the very beginning of my fledgling relationship with WaMu, wherein they sent me a Debit card but neglected to send me my PIN for about, oh, 2-3 weeks. So, I had to do guesswork to try and make sure I knew what every transaction I had done was, and when it would come out. Naturally, they would amass over one week and all go through on the same day. WEIRD HOW THAT WORKS. And they also go through in the order that would get them the MOST from overdraft fees.

Wacky!

But yeah. I've been mostly clean, aside from a few checks that had been post-dated, and thus were impossible for me to track, other than to guess and try and keep the right amount in the account at all times. That doesn't work all the time, but whatever.

I was going to go join Wachovia and get a free $25 for me and Fiance anyway. Screw you, WaMu. You guys were most unhelpful. One of the overdraft fees I'm still scratching my head at, because my account available balance never went under $100, much less $0. They were fining me for a transaction that MIGHT make me overdrawn, but hadn't yet.

Enjoy the free $12 this time, jerkwads.

Now I have to go start a new bank account instead of slacking off before class. :(




Update!

So it turns out it was my SAVINGS account that had done too much "transacting" and was getting shut down. I still withdrew what I had in it and moved it over to Wachovia, because I wasn't going to open another savings account with WaMu when I'm still not certain why they shut down my old one.

The guy tried to tell me that transferring money back and forth was only doable 6 times a month, and if you go over that, then federally they have to shut you down. Nobody else has told me anything like this, including my much friendlier assistant at Wachovia who helped get me set up. So, whatever, WaMu. I'm leaving a little bit of money in the checking to make sure nothing is coming out of it, and then I'm high-tailing it out of there.

They've always been kind of aloof and uninformative when I had questions or concerns about my accounts and fees they charged me. Any attempt to get help puts me into either a phone queue or an email chain with a robot, and nothing ever comes of it. Wachovia does seem to have to best customer service I've seen in a bank chain, and I am looking forward to working with them.

Just gotta make sure I get my debit card & checks soon, so's I can pay the bills. I think I'll be fine, though.

Blargh.