I dont save a dime! :( help...

[LuxLiving]

Automate your savings. Most all banks these days have an autodraft feature that you can set up and then forget about it - just remember to subtract it out of your check register!

[50stang]

I think that you ought to work at least part time until your business becomes more profitable. This will provide you security and a back-up plan just in case your business does not succeed.

In a way I do have side job. I work in the same industry for a guy I know. He pays me 30 bucks an hour to do his work. But I wont work full time for him because I will then loose time for working on my own behalf.

Regardless, the way the market is going, and as buck gets weaker some jobs just arnt worth even doing at all.


Great ideas folks,

Thank you all

[tripods68]

Disneysteve,


Yea I agree with you on your last post. Everytime a bank teller looks at my account they all push me to get a overdraft protection. I tell them no everytime beccaue it is my faut that I went over. I just felt that 35 dollars was a steep price to pay If i did go over a few bucks.

But like what some of you said, its time to grow up and face the music that I did it to myself. There may be a better bank but my problem will just follow me as I'm just spending more that what I have.

Overdraft protection is good when you "occasionally" spend more than what you have. For example, if you written a check for $50.00 and it bounce (not enough money in your checking) you would have to pay the merchant penalty usually around $35.00 plus bank charges around $15.00 - $25.00. You could pay $50 plus being a few dollars short. With ODP bank only charges anywhere $3.00 to $10.00 per check. ODP save you for paying all the fees. I have ODP link with my savings cost $3.00 per transaction.

[disneysteve]

Overdraft protection is good when you "occasionally" spend more than what you have.

My point is that you shouldn't "occasionally" spend more than you have. You should NEVER spend more than you have. If you (general 'you', not you specifically) can't manage to keep track of how much is in your checking account, which is basic elementary school arithmetic, perhaps you shouldn't have a checking account.

If you do bounce a check, you deserve to get nailed with an overdraft fee. Same goes for late payment fees, credit card over-limit fees, etc.