Oi! Number 2!
Posted by onecrazystitch on January 14th, 2008
Well, well, well. Who’da thunk it? Here we are at episode 2, and we are WAY excited! Hopefully it will be easier to download than the first one. I’m still working on that, by the way.
Mentioned in this podcast are the following links:
As well as the typical stuff already in the sidebar. 
There will be pictures of Kitty and Katie coming soon as well.
Enjoy!
(Wait. Did I actually just go there? Ick. Nevermind…)
Listen Now:
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March 11th, 2008 at 11:02 am
Calling the bank to find out the current balance in your account does not fly…keep track of your balance yourself. Its called personal responsibility. If your living “paycheck to paycheck” you might want to curtail your boutique yarn stash. Again personal responsibility.
March 11th, 2008 at 1:14 pm
If you don’t call the bank how are supposed to reconcile your accounts? Nobody is perfect with their record keeping: that’s why you’re supposed to reconcile. If you reconcile more than once a month, you can’t just use your monthly statements. So what are you supposed to do then, I ask? Also, the bank itself has access to what’s pending. The online access does not. The whole point of the story is that I was told something at one time, in person, then that same day using the information I was given, again, in person, bought groceries and it all went to hell.
By the way, you have no idea when or where I get yarn from, and I don’t have to defend or explain myself to you, so back off. If you’re going to be snotty, you could at least leave your actual name rather than “A Listener.” Or maybe snipey comments are just left by people who aren’t comfortable enough with themselves to even acknowledge in a public forum who they are.
March 18th, 2008 at 5:46 am
I am going to have to agree with “Listener” in that you have to keep track of your own balance. You can’t blame the bank if you have an overdraft. It’s your responsibility to know how much money you have. Each month you get a statement, right? There are instructions right on there on how to balance your checkbook (or you can find out how online I’m sure). Also if you keep your checkbook up to date, you should always know how much money you have. You shouldn’t have to call the bank to find out what’s pending. Just make sure you never spend more than you would have in your account if all the checks were cleared.
Of course we all make mistakes. I had a few overdrafts about a year ago. I really don’t know how it happened as I am meticulous about keeping records. But I had to bite the bullet and pay the fee, it was my fault.
I’m sorry if the bank was snippy with you, no excuse for that.
March 18th, 2008 at 11:16 am
I do agree, Eileen, that mistakes do happen. I am not trying to make excuses. I know how to balance a checkbook: I do it every week as opposed to every month. It’s been a while since the incident it actually happened, so I can’t remember specifics now, but when you are in front of a teller and they give you a balance that is incorrect from what they have on their screen as available (i.e. the teller gave me the balance not including what was pending, but what it would have been before the other items went through) then I think the bank should have given some leeway, even if it was my fault.
The other thing I would like to point out is that my husband doesn’t always tell me when he spends money on gas or whatever. Again, I’m not making excuses. But if what I have in my register matches what the bank is telling me, then how am I supposed to know that’s not the available balance? If she had just said your balance is “this” but your *available* balance is “this” then that would have made all the difference.