It was Christmas time again. And once again I was low on funds because of all the gift giving.

So low in fact that one day when I tried to cash a check, a lady had to get her manager to give permission for me to cash a 20 dollar check my grandma had posted to me. I probably needed the money to feed myself or something. They wouldnt let me cash it because my account was so low!!!!

Additionally, this past year I also had problems and ended up having 200 dollars in overdraft charges because of numerous 5 dollar sales that occured and each offense costing me 30 dollars. Luckily I got out of it.

And now I am smart because I have accounts linked so I dont have to pay outrageous bank charges.