RANT: "I know. But I'm lazy"

Warning: sort of long post. I promise it's a good read.

Yesterday I was talking to one of my good friends. She called me complaining about how she checked her bank account and saw a check had been made out for $34.00 to Citi Corp. She had no idea who wrote the check and what it was for. She was freaking out thinking that someone had stolen her checkbook.

First of all why would someone write out a check for $34.00 to Citi Corp? Wouldn't they have written out a bigger amount to themselves? Why would anyone steal checks if they could have stolen your wallet from your purse? Really???

Fast forward 30 minutes later, she calls to tell me the charge was from a jewelry store that she forgot she made monthly minimum payments to each month. I was seriously wanting to bang my head on my desk at that time. How does one forget about MONTHLY payments? Why is she just paying the minimum?! That's not the worst part.

Next, she says she was hit with an overdraft charge of $35 because she was getting ready to close that account so she took out all the money in it the day before. Sigh.

LISTEN, call your bank now and tell them what just happened. I'm sure they will reverse the overdraft fee for you if you ask nicely. It doesn't hurt to try.

What happened next baffled me...

FRIEND: Damnit Erika! Why didn't you tell me?! I already brought the account up to date!

(WTH!? That doesn't mean you can't still call.... an overdraft fee is an overdraft fee. AND WHY ARE YOU BLAMING ME?)

However, I wasn't going to give it up. I wanted to help her, I am a good friend after all.

ME: It doesn't matter! just call them and explain your situation...I have done it before with my bank and it takes 2 minutes.

FRIEND: I don't feel like arguing right now.

ME: You won't HAVE to argue!
(Can you tell I was getting impatient... literally pulling my hair at this moment)


Screw that! I'm finished trying to help. You acknowledged the problem, I gave you advice but you still don't want to do anything about it. You basically threw away $35.


  • Keep track of all automatic payments and which account they come from. 
  • Make sure you have enough money in all of your accounts where bills are paid from.
  • Always call or go to your bank to try to reverse an overdraft charge. I don't care if you did it on purpose... it's always worth it to at least try!
  • If you're going to close a checking account, cancel all recurring payments made from that account immediately.
  • When I get frustrated, I want to bang my head and pull my hair out... not cool at all.
I'm so serious that this happened on Friday. Don't worry, we're still friends. 
Have any of you tried to help friends with financial issues only to fail miserably?


smallstepsforbigchange said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I've so been your friend in this scenario. Except I always called. But u ended up with so many overdrafts they don't reverse then for me anymore. Which may be the case with your friend and she didn't want to embarrass herself. Thankfully I'm 2.5 years overdrafts free!!

Jessie said...Best Blogger Tips[Reply to comment]Best Blogger Templates

wow...that's pretty comical.... it would drive me crazy if a friend called to complain about something like that but wasn't willing to do anything ti fix the problem.

smart sorority girl said...Best Blogger Tips[Reply to comment]Best Blogger Templates

Believe me I know exactly what you mean. I suppose in terms of friends and overdraft fees not exactly, instead I'm talking about student loans. I can't count the number of my friends who treat/treated student loans like it was free money. All of them would take out the maximum amount that was allowed to them instead of budgeting and figuring out exactly what would be needed for tuition, rent, utilities, and groceries. They did not act like college students by constantly going shopping and they definitely weren't on the ramen diet. Also, one of my friends had the audacity to buy a 52" flat screen with his loan money. I was completely appalled. Yes, I will have to pay 40,000 in student loans for my undergrad and post grad certificate program, but it's all money that I needed. I graduated with honors in four years with a major and a minor while I had a part time job and was one of the main people in charge of my sorority. My friends, you might ask...they are still in school and should have already graduated. Sigh...

shoppingtosaving said...Best Blogger Tips[Reply to comment]Best Blogger Templates

SS4BC - i have been in this position before too.. my BF was always telling me things like this relating to money. maybe i forgot what it was like to be on the other end! congrats on being overdraft free :)

Jessie - tell me about it.. I was only trying to help but I guess she just wanted me to listen.

Smart Sorority Girl - I saw those types of people in college too, it drove me nuts! I had a job all throughout college too.. and to see everyone sleeping in and shopping everyday while I was at work made me feel like sh*t haha.

outofmoneyexperience said...Best Blogger Tips[Reply to comment]Best Blogger Templates

You really can't help those that don't want help can you? But yah, I'd be beyond annoyed too.

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