Comments on: Sticking to the Plan – Straying from the Budget Meant Seven Overdrafts Today http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/ One Family's Adventure in Becoming Debt-free Sat, 04 Sep 2010 13:21:21 +0000 hourly 1 http://wordpress.org/?v=3.0.1 By: Andi http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-465 Andi Mon, 21 Dec 2009 04:58:54 +0000 http://www.climbingout.net/?p=766#comment-465 We've had that happen here a couple times...when things are going so well, we forget that there might be emergencies....and those tend to cost money. Go buffers. And go Wife! We’ve had that happen here a couple times…when things are going so well, we forget that there might be emergencies….and those tend to cost money. Go buffers. And go Wife!

]]> By: Kerri http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-464 Kerri Sun, 20 Dec 2009 23:53:11 +0000 http://www.climbingout.net/?p=766#comment-464 Ouch. Totally feel your pain. This also reminds me of the old days of "balancing the checkbook." Check-writing is almost a thing of the past, but people (including me) used to be fairly diligent about keeping that little paper register up to date and balancing it with the bank statement at end of month. Seems a modern-day version of "balancing the checkbook" could keep this from happening again. There are lots of simple ways to do it, i.e. an easy Excel spreadsheet that gets updated each night -- takes just a few minutes and makes a world of difference. As you know, the balance in your bank account is rarely the same as what you have available to spend. Hang in there and remember the big picture... even with a misstep here and there, you are doing great! Ouch. Totally feel your pain. This also reminds me of the old days of “balancing the checkbook.” Check-writing is almost a thing of the past, but people (including me) used to be fairly diligent about keeping that little paper register up to date and balancing it with the bank statement at end of month. Seems a modern-day version of “balancing the checkbook” could keep this from happening again. There are lots of simple ways to do it, i.e. an easy Excel spreadsheet that gets updated each night — takes just a few minutes and makes a world of difference. As you know, the balance in your bank account is rarely the same as what you have available to spend. Hang in there and remember the big picture… even with a misstep here and there, you are doing great!

]]> By: tam http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-462 tam Fri, 18 Dec 2009 18:46:38 +0000 http://www.climbingout.net/?p=766#comment-462 Crap. We have an end of month or two like that as well....I tend to err more on the side of caution when it comes to cushion than my husband does. Either way, thank goodness overdraft protection attached to a savings account (i.e. the emergency fund). Accidents happen. But you have made such amazing strides. Go wife! I am not above turning on the tears to get fees reversed.... Crap. We have an end of month or two like that as well….I tend to err more on the side of caution when it comes to cushion than my husband does. Either way, thank goodness overdraft protection attached to a savings account (i.e. the emergency fund).

Accidents happen. But you have made such amazing strides. Go wife! I am not above turning on the tears to get fees reversed….

]]> By: dustinc109 http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-458 dustinc109 Mon, 07 Dec 2009 21:41:29 +0000 http://www.climbingout.net/?p=766#comment-458 Ouch.... Are you using the cashflow sheet the budget I made... that should prevent those from happening? Ouch….
Are you using the cashflow sheet the budget I made… that should prevent those from happening?

]]> By: Money Funk http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-457 Money Funk Mon, 07 Dec 2009 03:48:34 +0000 http://www.climbingout.net/?p=766#comment-457 Oh wow. I am really sorry to hear that. Over zealous in our budget has got us into trouble at times, too. But we learn from those times and hope not to repeat again. I have to say, "thank you" for sharing this part of your journey. We write about becoming debt free and we know the journey doesn't always go uphill. And there are many people that wouldn't post such mishaps. But, its a journey and thoughtful to hear. Chin up! Happy Holidays! Oh wow. I am really sorry to hear that. Over zealous in our budget has got us into trouble at times, too. But we learn from those times and hope not to repeat again.

I have to say, “thank you” for sharing this part of your journey. We write about becoming debt free and we know the journey doesn’t always go uphill. And there are many people that wouldn’t post such mishaps. But, its a journey and thoughtful to hear.

Chin up! Happy Holidays!

]]> By: Music Man http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-453 Music Man Sun, 06 Dec 2009 02:03:27 +0000 http://www.climbingout.net/?p=766#comment-453 I read this to my wife and she said what I was thinking: OUCH! We actually had a similar situation arise a couple months back when I found more money than expected. I almost did what you did until my wife stopped me in my tracks and reminded me that I had not done the math right! Keep your head up. My wife and I will keep you in our thoughts. You and The Wife are inspirations. Love you guyz! Music Man I read this to my wife and she said what I was thinking: OUCH! We actually had a similar situation arise a couple months back when I found more money than expected. I almost did what you did until my wife stopped me in my tracks and reminded me that I had not done the math right!

Keep your head up. My wife and I will keep you in our thoughts. You and The Wife are inspirations. Love you guyz!

Music Man

]]> By: Sharon http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-452 Sharon Sat, 05 Dec 2009 21:10:04 +0000 http://www.climbingout.net/?p=766#comment-452 I've misstepped many times after becoming debt free. Some worse than others. But, you pick up the pieces, and move on. It sounds like you and your wife will be able to work out the kinks..good for you for wanting so badly to be out of debt...you will get there!!! Keep the faith! I’ve misstepped many times after becoming debt free. Some worse than others. But, you pick up the pieces, and move on. It sounds like you and your wife will be able to work out the kinks..good for you for wanting so badly to be out of debt…you will get there!!!

Keep the faith!

]]> By: Maggie http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-451 Maggie Sat, 05 Dec 2009 20:00:51 +0000 http://www.climbingout.net/?p=766#comment-451 I've always had a hard time with the budgeting concept. Hated it! But with the DR program I've realized that a chunk of my financial problem comes from looking at my checking account balance when making decisions. Really bad move for me. Much as I'd like to believe that I remember every single thing going in and out....I don't. Now, by looking only at the budget, I may not know the exact balance in my account but I know exactly where my money is. Totally different concept. I feel for you guys, I know the pain of those charges personally. At least the upside is, you snowballed down some more debt. :) I’ve always had a hard time with the budgeting concept. Hated it! But with the DR program I’ve realized that a chunk of my financial problem comes from looking at my checking account balance when making decisions. Really bad move for me. Much as I’d like to believe that I remember every single thing going in and out….I don’t. Now, by looking only at the budget, I may not know the exact balance in my account but I know exactly where my money is. Totally different concept.

I feel for you guys, I know the pain of those charges personally. At least the upside is, you snowballed down some more debt. :)

]]> By: Tutu http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-450 Tutu Sat, 05 Dec 2009 18:35:20 +0000 http://www.climbingout.net/?p=766#comment-450 WOW - talk about a big piece of "humble pie". Thanks for sharing it - we all learn from each other. Definitely a lesson you won't forget and "Yay, Wife!" I'm also impressed by the "lessons learned" from this. And, of course, as you and little orphan Annie put it, there's always "Tomorrow" - my goodness, there's even a hit song about that! WOW – talk about a big piece of “humble pie”. Thanks for sharing it – we all learn from each other.
Definitely a lesson you won’t forget and “Yay, Wife!” I’m also impressed by the “lessons learned” from this. And, of course, as you and little orphan Annie put it, there’s always “Tomorrow” – my goodness, there’s even a hit song about that!

]]> By: jpkittie http://www.climbingout.net/2009/12/sticking-to-the-plan-straying-from-the-budget-meant-seven-overdrafts-today/comment-page-1/#comment-449 jpkittie Sat, 05 Dec 2009 12:49:14 +0000 http://www.climbingout.net/?p=766#comment-449 oh no!!!! thank goodness the wife was able to get some reversed!!!! Cheers to a better swing happening in December --- it can only go up right?!?! :) oh no!!!! thank goodness the wife was able to get some reversed!!!!

Cheers to a better swing happening in December — it can only go up right?!?! :)

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