Some days are such a bitch

I hate banks. They are soul-less predators. They put on a pretty face with their "We're your best friend" but then they dont think twice about kicking you when you are down.

Yesterday, I was feeling pretty good about our financial situation. All the bills were paid and there was money left over - enough in fact to be able to go out to eat last night. Nothing fancy, just a burger and some fries, but it didn't involve having to cook. I knew there was not enough to last until Patrick gets paid again, but there was enough to give me a little bit of time to find another job and start supplementing our income.

Well, Wachovia fixed that.

I must take responsibility for a large portion of that. We were in a position a couple of weeks ago where we had no money, no groceries and no cigarettes. Ok, I get it. We need to quit for no other reason than financially, but we haven't and it is what it is. I wrote a check for groceries knowing the check was going to bounce. I hate overdraft fees, but sometimes you do what you have to do to eat.

Last night, I go to bed with a couple hundred dollars in the bank, and this morning I wake up and I'm three hundred dollars in the negative. Foodland redeposited the check and it cleared, but everything else that was pending bounced costing me more than $200 in NSF fees. They pay the highest amount first, then post items in descending order.

When I worked for Trustmark, the explanation for that was if one's mortgage pmt was presented, for instance, that would get paid first instead of being returned. But we all know the truth. They make more money in fees to pay the largest first because in my situation, if they paid the smallest amount first, everything else would have been paid and I may have only received one nsf fee and then paid the return check fee at Foodland

I keep telling myself that we have made it thru harder times than this, but now I'm starting to wonder. Im beginning to believe this is probably been the hardest year of our lives financially speaking.

I think we pay twice or three times over for the good times in our lives. One good day eventually works out to two or three bad days.

The end of 2008 was a great time. We actually had a little money to burn. We bought a few things we needed and a couple of things we wanted and didn't have to sweat it. Then BAM! Unum pulled a fast on on Patrick and we have suffered ever since.

For fast cash I am expecting to go back to what I hoped I would never have to do again - waiting tables. I am really hoping I can find a kitchen job because Im not that good at waiting tables and I know the tips will be shit on this ignorant ass mountain. A kitchen job will be a steady paycheck once a week or every other week. Waiting tables will be daily cash which is what we need right now.

Oh well, just another day in paradise.