{"id":213,"date":"2007-06-04T11:07:00","date_gmt":"2007-06-04T11:07:00","guid":{"rendered":"http:\/\/74.53.225.194\/~story1\/mdmproofing\/iym\/weblog\/?p=213"},"modified":"2010-04-18T10:14:10","modified_gmt":"2010-04-18T15:14:10","slug":"i-hate-overdraft-whiners","status":"publish","type":"post","link":"https:\/\/www.mdmproofing.com\/iym\/weblog\/2007\/06\/i-hate-overdraft-whiners\/","title":{"rendered":"I Hate Overdraft Whiners"},"content":{"rendered":"<p><img decoding=\"async\" style=\"float: right; margin: 0 0 15px 15px;\" src=\"https:\/\/www.mdmproofing.com\/iym\/weblog\/graphics\/no-whiners3.gif\" alt=\"\" \/>I simply cannot convey the level of contempt I hold for 99% of Overdraft Whiners. Seriously.<\/p>\n<p>Who are Overdraft Whiners? Well, these are the hapless, woe-is-me folks you see commenting IN DROVES on articles like these two:<\/p>\n<p><span class=\"article\">Red Tape Chrons.: <a href=\"http:\/\/redtape.msnbc.com\/2007\/06\/bank_overdraft_.html\">&#8220;Bank Overdraft Fees: Help May Be on the Way&#8221;<\/a><\/span><\/p>\n<p><span class=\"article\">Red Tape Chrons.: <a href=\"http:\/\/redtape.msnbc.com\/2007\/05\/id_thief_bounce.html\">&#8220;Double Trouble for ID Theft Victim&#8221;<\/a><\/span><\/p>\n<p>Rarely will a card-carrying, finger-pointing Overdraft Whiner miss an opportunity to lament how &#8220;ridiculous&#8221; or &#8220;unfair&#8221; or &#8220;egregious&#8221; his or her bank&#8217;s overdraft policies are. The astounding number of comments attached to the butt ends of those two articles will attest to this undying truth.<\/p>\n<p>For about ten or fifteen seconds there, as I read through way too many of those comments, I considered leaving a comment of my own. But then I realized I&#8217;d have lots more space to piss off the Overdraft Whiners by simply creating a blog post about them. So here goes.<\/p>\n<h3>Sympathy? Sorry. I&#8217;m Already Overdrawn.<\/h3>\n<p>Let me state here, early and unequivocally, that I have ZERO sympathy for folks who endure overdraft charges in circumstances where:<\/p>\n<ul>\n<li><strong>&#8230;the bank processed a high-amount transaction first so that the deluge of smaller-amount transactions behind it would all garner overdraft fees.<\/strong> Whiners love to trumpet this one. You know what? It sounds fine to me. Check your bank&#8217;s charter and what you&#8217;ll find is that <strong>they don&#8217;t exist to give you a blankee, back rub, and hold your cuddly little hand while you muddle through Financial Life<\/strong>. The Overdraft Whiners here were, no matter how you slice it, spending money they didn&#8217;t have. And now they have even less. Those red numbers in your account? They&#8217;re the marks left by Reality when it smacked you across the face. Were you paying attention?Balancing a checkbook properly, coupled with not spending money that isn&#8217;t there, would fix this.<\/li>\n<li><strong>&#8230;an overdraft of $.07 resulted in &#8220;ridiculous&#8221; bank charges in excess of $35.<\/strong> Excellent news. I&#8217;m all for it. Sure, if you were to figure what a fee like this equates to in, say, APR terms, then you&#8217;d have a calculator that&#8217;d probably run out of spaces for all the zeros. But I&#8217;ll conveniently disregard this fact since Overdraft Whiners so often (apparently) conveniently forget to use their calculators to see what their real-life account balances are.Again: This is easy to fix with a properly-maintained check register and some attention to detail. Of course, not everyone&#8217;s willing to undertake this sort of slave labor.<\/li>\n<p><a href=\"http:\/\/www.kqzyfj.com\/click-2020350-10464540?sid=overdraft-whiner\" target=\"_top\"><img loading=\"lazy\" decoding=\"async\" style=\"float: right; margin: 15px 0 15px 15px;\" src=\"http:\/\/www.ftjcfx.com\/image-2020350-10464540\" border=\"0\" alt=\"\" width=\"160\" height=\"120\" \/><\/a><\/p>\n<li><strong>&#8230;the Overdraft Whiner thought the balance the <\/strong>[ATM machine \/ phone teller \/ online-account screen]<strong> showed them was the REAL balance.<\/strong> No, silly. You can find your REAL account balance in only one place: your diligently-utilized check register. Have I mentioned how much I adore Quicken and programs of that ilk? Avoiding overdraft charges FOREVER is just one of the many things your computer can <a href=\"http:\/\/www.mdmproofing.com\/iym\/computer.shtml\">help you accomplish<\/a>.<\/li>\n<li><strong>&#8230;the bank &#8220;should have&#8221; denied the debit-card charge because it was beyond the available balance.<\/strong> Nope. You screwed the pooch first. You should&#8217;ve known your real-life balance and then NOT swiped or handed your debit card to the cashier.<\/li>\n<li><strong>&#8230;your bank didn&#8217;t &#8220;warn&#8221; you that you were already overdrawn, and continued to let purchases go through.<\/strong> Blankee, back rub, hold cuddly little hand, and so on. <strong>Not<\/strong> the bank&#8217;s responsibility. Knowing your account&#8217;s true balance, and not spending money you don&#8217;t have? <strong>Your<\/strong> responsibility.<\/li>\n<li><strong>&#8230;the bank&#8217;s service charge caused you to overdraft.<\/strong> Then you&#8217;re just not good at paying attention, are you? Or at finding a bank or credit union that doesn&#8217;t suck?<\/li>\n<li><strong>&#8230;the Whiner deposited a check from a known perpetually-broke friend. The check bounced, and overdraft charges ensued.<\/strong> Surprise, surprise, surprise. The Whiner rolled the dice, and he lost. Time to pay the house.<\/li>\n<li><strong>&#8230;the only excuse left is the hallowed one: &#8220;I can&#8217;t help it. I live paycheck-to-paycheck.&#8221;<\/strong> If this is the case, then those thirty-plus-dollar fees are truly a financial head-wound for you. Even more reason to pay attention to what you&#8217;re doing and not count on someone else to pick up the slack. I was a broke college student once, too. And after that, a broke young adult. Know how many times I overdrafted? Zero. Even then, I knew how to use a paper check register (and later, Quicken).<\/li>\n<\/ul>\n<p>Now that I think about it, this post goes keyboard-in-keyboard with my previous post about the stuff you hear from <a href=\"https:\/\/www.mdmproofing.com\/iym\/weblog\/2007\/05\/12-things-said-by-people-who-suck-with.html\">people who suck with money<\/a>. So here&#8217;s #13: &#8220;Can you believe what my bank charged me for this three-cent overdraft?&#8221;<\/p>\n<h3>But There Are Times When&#8230;<\/h3>\n<p>In what situations might I exhibit a wee bit of compassion? If you deposited a paycheck, it bounced, and you then incurred overdrafts because of it, I&#8217;d echo the chorus: &#8220;Yeah, that sucks.&#8221;<\/p>\n<p>Hmmm. There are probably other scenarios, but I can&#8217;t come up with them just now.<\/p>\n<h3>Public Service Message to Overdraft Whiners:<br \/>\nGet A Free Excel Check Register<\/h3>\n<p>That&#8217;s right. I said <strong>free<\/strong>.<\/p>\n<p>I&#8217;m quite aware that not everyone has the cash to run out and purchase Quicken or MS Money. So what we have \u2014 yeah, I&#8217;m reaching here \u2014 is a vicious circle: You could avoid all those nasty overdraft charges if only you had Quicken to help you do it. But you need money to buy Quicken. And of course you&#8217;ll never have any money, because The Nasty Bank makes you keep paying Nasty Overdraft Charges. Sounds good, right? (We&#8217;re still deflecting at least some of the fault.)<\/p>\n<p>Tough situation. Someone Really Should Do Something.<\/p>\n<p>So please &#8212; allow me to intervene. Today, right now, I will help folks take that monumental first step toward Overdraft Whiner recovery. This is where I point you toward my <a href=\"http:\/\/www.mdmproofing.com\/iym\/products\/free-check-register\/\">100% free Check Register spreadsheet<\/a>.<\/p>\n<p>All you have to do is log your transactions when you make them. All that troublesome math afterward? Figuring your current balance? The spreadsheet handles it. You&#8217;re golden.<\/p>\n<p>What&#8217;s that you say? You don&#8217;t have Excel, nor the financial resources to acquire it? Okay. That&#8217;s understandable. So here&#8217;s what you do. Right now, once and for all, you are going to finally stick it to The Man:<\/p>\n<ol>\n<li>Download my <strong>free<\/strong> Check Register spreadsheet.<\/li>\n<li>Get your <strong>free<\/strong> (there&#8217;s that word again) office suite at <a href=\"http:\/\/www.openoffice.org\/\">OpenOffice.org<\/a>. This suite will include Calc, a <strong>free<\/strong> (every time I use this word, see, an Overdraft Whiner excuse bites the proverbial dust) spreadsheeting program which somehow, some way, manages to run my <strong>free<\/strong> Check Register spreadsheet pretty much every time I fire it up. Weird, ain&#8217;t it?<\/li>\n<li>Use the spreadsheet diligently. Enter <em>all<\/em> transactions when you make them. Pound it through your head that &#8220;float,&#8221; where checks and debit cards are concerned, <em>does not exist<\/em>. Forget about any &#8220;account balance&#8221; that you found <em>anywhere<\/em> other than what&#8217;s in your register.<\/li>\n<li>Spend less than you make.<\/li>\n<\/ol>\n<p>No more $35 bank overdraft fees for you. Just imagine, Mr. Overdraft Whiner, how much it&#8217;s going to piss off your banker when he figures out that you can suddenly go more than a week without dropping $30 or $40 in pure-profit fees in his lap. I bet it makes him so mad he drops his morning raspberry danish on the floor. And then, just to vent a little frustration, he&#8217;ll fire the first teller he sees.<\/p>\n<p>There. Someone else is out of a job, and you&#8217;re all the happier for it. And all without the slightest need for government intervention. (Which is what that first article above pointed toward, by the way.)<\/p>\n<p>Okay, I&#8217;m done.<\/p>\n<p><span class=\"article\">Money Musings: <a href=\"https:\/\/www.mdmproofing.com\/iym\/weblog\/2008\/02\/overdrafting-again.html\">Overdrafting Again<\/a> (Related Post)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I simply cannot convey the level of contempt I hold for 99% of Overdraft Whiners. Seriously. Who are Overdraft Whiners? Well, these are the hapless, woe-is-me folks you see commenting IN DROVES on articles like these two: Red Tape Chrons.: &#8220;Bank Overdraft Fees: Help May Be on the Way&#8221; Red Tape Chrons.: &#8220;Double Trouble for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[67,66],"tags":[11,8,9],"class_list":["post-213","post","type-post","status-publish","format-standard","hentry","category-banking","category-spending","tag-banking","tag-budgeting","tag-spending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>I Hate Overdraft Whiners<\/title>\n<meta name=\"description\" content=\"Overdrafting: Why is it always the bank&#039;s fault?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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