Monday, October 1, 2007

Still Red-Faced

So after the fiasco yesterday, I told my self not to worry. Everything would be all right. My husband's direct deposit would go through today, Oct 1 and that would take care of the mortgage. I slept easy knowing this.

This morning I was in meetings all day at work and didn't get to check the bank account until 11 o'clock. We were still in the red. Only now more so by $300, as I had also scheduled a credit card payment to go through. (Oh the irony!) In addition, I received an email from Netflix stating that they had tried to charge my monthly fee and it was denied.

By 1pm, I was getting nervous. We had always received the direct deposit before, no problems, first thing in the morning. I called my husband and he had no idea what could be happening. Since he's away on business, I emailed his company's payroll guy (who I know, their company is still relatively small). He looked into it further and told me there had been a glitch in the system. Unfortunately, they didn't fix it in time for payroll to be processed today. Our direct deposit will show up on October 2 instead.

This was awful news. Believe me, you didn't want to talk to me today, I was very angry. My anger was directed to 4 places:

  1. The glitch itself. This kind of stuff isn't supposed to happen anymore.
  2. The fact that I had no idea what was going on until I proactively sought out an answer.
  3. Myself for not keeping enough in the account to cover the mortgage and for not having an emergency fund.
  4. Myself & my husband in the past for getting into debt and in a situation where we live paycheck-to-paycheck in the first place.

After I calmed down a little bit (and left work, where I had to bottle up the rage), I called the bank to see what would happen. I felt like an idiot, asking them what to do now that my bank account is negative. Fortunately, he said that as long as the direct deposit goes through early enough on October 2, there will be no overdraft fees and no stopped payments. Man, I hope so. I want to believe this is true.

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