My bank and I have come to a parting of the ways. I have started divorce proceedings, which should be final next month. I finally got tired of paying through the nose, and getting nothing for my trouble, not even a kiss.
So what’s the problem, I mean other than they charge $37.50 for an overdraft. And if you can’t make up the overdraft within 4 days, they start charging you $8 a day “negative balance fee.” Which means they burn poor people like me that have no way to make up the deficit. Except to pay120-300% interest to the
loan sharks payday lenders.
Well, the problem is that I found someone new. Yes, I’ve been dating an new financial institution, a credit union. They will only charge me $20 for an overdraft, a savings of nearly 50%. I could get rich off of that alone. And they never heard of a “negative balance fee.”
If that weren’t charming enough, they pay higher interest if you happen to have money to save. As I will when my dad’s estate is settled. And I get my share of his insurance, too.
I already have accounts set up at the credit union. It was so nice to go in and give them $20 each for savings and checking. Many banks won’t take a first deposit of under $100. For the present, it’s just sitting there. I have my online bill pay all set up for the 1st of May, when they can move my Social Security direct deposit. Ah, direct deposit, how do I love thee, let me count the ways. Oh, sorry, you didn’t come here for a sonnet to direct deposit, did you?
In addition, Dad’s insurance is going to give me my “play money.” I know how much it will be, and I’m pricing some gizmos I think I need. (Oh, OK, I just want them.) I see a video camera in my future. Do I want the one that will record in HD? Then I’d have to get a Blu-Ray/HD combo drive for my computer. *sigh* I could probably spend it all, even if it was a $1million, which it’s nowhere close to. But it’s fun dreaming.
And now to sleep, perchance to dream. The weather is totally yucky, wet and cold, so I might as well sleep. Naturally, as soon as I get settled, they will inevitably come to fix the lights in my kitchen. Sadly, then I will no longer have an excuse not to cook and wash dishes.