You made a good move by not going with Sierra, that was bad news.
I think you need to create some type of emergency fund, even if it's only $100. That might be enough to prevent you from overdrawing your checking account.
Can you post your expenses? That way we can see what your expenses are and make recommendations. Perhaps by cutting some of your expenses you can come up with the money you need to fund your emergency fund (and hopefully beyond!).
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