Comments on: 15 Money-Related Things I’m Thankful For http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/ Bridging the gap between saving money and investing Sun, 07 Sep 2008 16:24:30 +0000 http://wordpress.org/?v=2.6.1 By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-166118 Minimum Wage Wed, 28 Nov 2007 02:06:37 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-166118 One of the payments I've received is a money order, so I was able to deposit it without any hold time, and I wes able to stop the check in time. So this is going to cost me only $37 ($12 stop fee + $25 on the payee's end) plus I'll have three months of equal payments to cover that check. One of the payments I’ve received is a money order, so I was able to deposit it without any hold time, and I wes able to stop the check in time. So this is going to cost me only $37 ($12 stop fee + $25 on the payee’s end) plus I’ll have three months of equal payments to cover that check.

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-164441 Minimum Wage Tue, 27 Nov 2007 01:30:06 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-164441 After delaying me over the weekend, my credit union decided they couldn't extend $200 of credit, so my check is going to bounce and I'll be even poorer than I am now. They wouldn't stop the check unless I can come up with $12 in my checking account. After delaying me over the weekend, my credit union decided they couldn’t extend $200 of credit, so my check is going to bounce and I’ll be even poorer than I am now. They wouldn’t stop the check unless I can come up with $12 in my checking account.

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-162567 Minimum Wage Sun, 25 Nov 2007 07:03:53 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-162567 1) The money is not yet in my checking account, because PayPal transfers ti your checking can take several days. My checking account has $8 right now. 2) So if I get charged $30 for a bounced check of $15 to stop the check before it bounces. I have a problem, plus whatever the payee charges me for the bounced check. 1) The money is not yet in my checking account, because PayPal transfers ti your checking can take several days. My checking account has $8 right now.

2) So if I get charged $30 for a bounced check of $15 to stop the check before it bounces. I have a problem, plus whatever the payee charges me for the bounced check.

]]> By: scott http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-162501 scott Sun, 25 Nov 2007 05:26:00 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-162501 It doesn't seem like that much of a problem. When you go in on Monday, the first thing you do is take out the money from the bank account. That will mean you have the money to send off the items. After doing that, ask to talk to the manager and try to work it out. If you can, redeposit the money. If not, the check is going to bounce anyway, so you have the cash for sending the items. It doesn’t seem like that much of a problem. When you go in on Monday, the first thing you do is take out the money from the bank account. That will mean you have the money to send off the items. After doing that, ask to talk to the manager and try to work it out. If you can, redeposit the money. If not, the check is going to bounce anyway, so you have the cash for sending the items.

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-162464 Minimum Wage Sun, 25 Nov 2007 04:31:53 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-162464 Well, I have an interesting problem if it doesn't work out. If my check bounces and I get hit with fees, the money I've received for shipping will be eaten by fees, and I won't be able to ship until I can get more money. So if it doesn't work, the best scenario leaves me worse off and the worst scenario leaves me worse off any my buyers somewhere between annoyed and furious. Well, I have an interesting problem if it doesn’t work out. If my check bounces and I get hit with fees, the money I’ve received for shipping will be eaten by fees, and I won’t be able to ship until I can get more money. So if it doesn’t work, the best scenario leaves me worse off and the worst scenario leaves me worse off any my buyers somewhere between annoyed and furious.

]]> By: dan http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-162393 dan Sun, 25 Nov 2007 03:24:20 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-162393 It's a big start - a lot more positive than you previous posts. While I wouldn't recommend that you stop caring, it's much better to take the actions that you can rather than just complain. If after showing the credit union that the money is being transferred, if they refuse, ask them what you can do to resolve the situation. Be polite and work with them. The next step is to prepare in case it doesn't work out and the steps you'll take. If it does work out, then you are pleasantly surprised. If it doesn't, you have a plan in place already. It’s a big start - a lot more positive than you previous posts. While I wouldn’t recommend that you stop caring, it’s much better to take the actions that you can rather than just complain.

If after showing the credit union that the money is being transferred, if they refuse, ask them what you can do to resolve the situation. Be polite and work with them.

The next step is to prepare in case it doesn’t work out and the steps you’ll take. If it does work out, then you are pleasantly surprised. If it doesn’t, you have a plan in place already.

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-162207 Minimum Wage Sat, 24 Nov 2007 22:44:13 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-162207 I've decided there's nothing I can do between now and Monday to make things work out, so I have stopped trying to deal with the short-term. Either my credit union will give me a $200 loan or they won't; I'll find out Monday. (As a pessimist I figure they won't, but I finally decided applying was better than not applying, regardless of the outcome.) If I don't get the loan my check will bounce and I will become that much poorer, but I feel like I've stopped caring. Is this a good sign or a bad sign? I’ve decided there’s nothing I can do between now and Monday to make things work out, so I have stopped trying to deal with the short-term. Either my credit union will give me a $200 loan or they won’t; I’ll find out Monday. (As a pessimist I figure they won’t, but I finally decided applying was better than not applying, regardless of the outcome.)

If I don’t get the loan my check will bounce and I will become that much poorer, but I feel like I’ve stopped caring.

Is this a good sign or a bad sign?

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-161902 Minimum Wage Sat, 24 Nov 2007 15:09:53 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-161902 Okay, that IS an excellent idea and I appreciate and thank Hilary for suggesting it. I *did* try to get a PayPal debit card, but they won't let me have one yet. (I previously avoided mentioning this lest I be accused of making another excuse for not doing something.) You have to be a member for 60 days and I'm still two weeks short of that. I used to have a PayPal account - I used it to buy a used weedwacker because I have to do the lawn care here - but apparently they close your account for inactivity (three-plus years in my case). I discovered I no longer had an account when I tried to buy a 99-cent item online, so I called PayPal and a very helpful person got me set up again, but when I tried to sign up for their debit card they said I have to wait 60 days. Okay, that IS an excellent idea and I appreciate and thank Hilary for suggesting it.

I *did* try to get a PayPal debit card, but they won’t let me have one yet. (I previously avoided mentioning this lest I be accused of making another excuse for not doing something.) You have to be a member for 60 days and I’m still two weeks short of that.

I used to have a PayPal account - I used it to buy a used weedwacker because I have to do the lawn care here - but apparently they close your account for inactivity (three-plus years in my case). I discovered I no longer had an account when I tried to buy a 99-cent item online, so I called PayPal and a very helpful person got me set up again, but when I tried to sign up for their debit card they said I have to wait 60 days.

]]> By: dan http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-161332 dan Sat, 24 Nov 2007 00:22:55 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-161332 That's what I figured, excuses. Always a reason things won't work. You didn't thank anyone for the advice - just bagged on the things that you feel won't work for you (Hilary's advice to get the debit card was excellent) - it's no wonder you wrote an unthankful list. But hey, if you do that, maybe you'll get some sympathy (not from me). Enjoy your life of living as you are now and I hope that you find the courage to actually take the responsible steps to improve your situation, but it doesn't seem that you're ready for that now. Until then, I will continue to call you on all your comments here, but won't be giving any more advice (why waste me valuable time if you aren't committed) until you show that you are ready to take responsibility. That’s what I figured, excuses. Always a reason things won’t work. You didn’t thank anyone for the advice - just bagged on the things that you feel won’t work for you (Hilary’s advice to get the debit card was excellent) - it’s no wonder you wrote an unthankful list. But hey, if you do that, maybe you’ll get some sympathy (not from me). Enjoy your life of living as you are now and I hope that you find the courage to actually take the responsible steps to improve your situation, but it doesn’t seem that you’re ready for that now.

Until then, I will continue to call you on all your comments here, but won’t be giving any more advice (why waste me valuable time if you aren’t committed) until you show that you are ready to take responsibility.

]]> By: Minimum Wage http://www.pfadvice.com/2007/11/22/15-money-related-things-im-thankful-for/#comment-161228 Minimum Wage Fri, 23 Nov 2007 21:45:23 +0000 http://www.savingadvice.com/blog/2007/11/22/101905_15-money-related-things-im-thankful-for.html#comment-161228 When the wolf is at your door, a long-term plan won't help in time. I also have domestic stress to deal with; sometimes long-term plans have to wait. When the wolf is at your door, a long-term plan won’t help in time. I also have domestic stress to deal with; sometimes long-term plans have to wait.

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