Monday, February 11, 2008

Sanity? What's that?

It's a 2 post day. We'll start with the bad, then go to the good. Maybe that way by ending on a good note, it will lower my stress level?

Anyways, last week was not so great. Without going into too much, we had parent teacher conferences with my DD. Did not go well. Ended up in the principal's office. But, we did come up with a plan, hopefully the teacher will put enough effort into it that it will work.

She's not a bad kid at all. I really don't know what the deal is, but she just won't do her work. And even when she does it, she won't turn it in. I don't think she fully understands that by doing this, she may not move on to the next grade.



Then I made a big goof while paying bills. I'll be the first one to rave about online bill paying. I love it. It is so easy. Maybe too easy. I wanted to make a payment of $86.20 for DH's ER visit a few months ago. Apparently I forgot the decimal point. You see where this is going?? I checked my account balances on Thursday..........and we were overdrawn. Which seemed to me to be impossible.

You see, we had $7,000.00 in our account. DH had received his reimbursment for his China trip and the bill wasn't due until the 20th. So, how the hell could we be overdrawn??? Yes, the payment went out for $8,620.00.

When I saw that, I didn't even bother with a phone call. We had more bills scheduled to be paid within the next few days! I immediately drove to our bank. On the way the only thing I could think of was all the charges they were going to be happy to give us. Isn't that what banks do?

Well, I'm not sure what I looked like when I walked in there. But, I walked out very happy. This says alot about having your bank in an actual building. I'm afraid if I would have tried to straighten this out on the phone, I would have ended up talking to someone in India who would in turn tell me what a loser I was and how much this was going to cost me.

But, instead I ended up with a very nice lady who seemed very understanding. And considering it really was MY mistake she had every right to have me pay fees. BUT, she waived them all. She called someone, they put a stop payment on the check. They said the check was received by the company, but not cashed. In other words, I could continue to live. She put a floating credit on my account, until the real one showed up.

I have no idea what would have happened had I not caught that error. She said if they had cashed the check then the bank couldn't have done anything. I would have had to go through the other company and requested a refund. And who knows how long that would have taken. In the mean time we would be paying all kinds of fees, then DH would be out a job and we would be living on the streets. Seriously.

Why would he be out a job? He wouldn't have been able to pay his company credit card by the due date. That is grounds for immediate termination. They are very serious about that. I almost got him fired last year. When my DS was in the hospital for a week. I was ONE day late with the payment.


Then today was not any better. I'm completely exhausted. I woke up at 4 am to some very loud noises. You know when you're just waking up and you can't figure out what is going on?? I hate that. We had the strongest downpour of rain, and tons of thunder to go with it. It was so loud!


Then DH calls me at work and tells me his grandpa died this morning. He had cancer and wasn't fairing well, so we all knew it was only a matter of time. But, I don't think that makes it any easier. And today is also his brothers birthday. Not good.


Then when I get home I decide to take a nap. About 5 minutes later my DD is home and complaining about not getting to eat lunch. They said her account was -10.00. BS! I just put $20 on it last week. Nowadays it is paid online. So, I looked online and sure enough, negative. But, my payment is on the payment history page. So, I call and they say the last payment was in Jan. I say, no, I'm looking on your website and it's right there, and it cleared the bank! (obviously before my $8,000 mistake) She takes my name and says she'll call me back. I'm thinking, right, whatever.

Well, she did call back, said it was their fault, blah, blah.....they are sorry my daughter didn't get lunch today....blah, blah, good-bye.
Normally I would have been like, what are you going to do to make this better? But, the mood I was in would not have helped the situation, so I just kept quiet and let her hangup on me.


Let's hope the day gets better. Let's hope that $8,000 clears tomorrow and my daughter gets to eat lunch. And let's hope I find someone to do my pet sits so that I can do to the funeral. Let's hope my DD turns in all her assignments. Let's hope I can keep my sanity for a few more days.

1 comment:

A Real Librarian said...

Wow, girl you have a lot going on!! **hugs** I'll come over and we'll have a drink!! =)