StephDRebel
Drama Llama
Posts: 6,692 
Location: Ohio
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Post by StephDRebel on May 29, 2015 19:28:56 GMT
It could be much MUCH worse, at least I didn't lose money but man, i'm in a bind right now!
First week of the month I went into my bank website and paid all of the bills, including both car payments with an extra $500 on mine and an extra $300 on his.
The month went by and last week I realized that I hadn't paid the bills this month, logged into my online bill pay and it showed that all of my bills were past my designated payment date so I paid them. All of them. Plus the extras on the car payment.
There was an error with the system updating. Ugh.
I have no good reason for not checking my actual transactions first. I had taken my sleep meds and it was late and I just plain screwed up.
The good news: The loan balances are way lower now, the second payment was early enough that it ALL went to principle and it's due again June 10th and the utilities are a month ahead! lol
The bad news: The balances looked about right through billpay, the extra money in there didn't jump out at me because it was set aside for my order for the month. Thankfully no clients are waiting on products because I carry so much stock but I have to place this order by the end of the month so that I get my bonus from my team. Ugh! Fortunately I was able to rearrange some things to do a flash sale and it happens to be the same week as my business anniversary so it's not a huge deal but I don't want to run a sale because I HAVE to correct a stupid mistake.
Normally i'd pull from the emergency fund, but the last two months we've had more than a few things that had to be dealt with so that's running low too. Guess where it'll be refilled from? That's right, the bonus i'll qualify for with this order.
Life would be so much easier if we didn't get in our own way.
Anyone else make jackass mistakes that just make you shake your head?
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Post by M on May 29, 2015 19:41:26 GMT
I have paid things ahead of the due date and ended up having them post 2x in the same month. Ugh! I know your pain!
It all turns out better in the end, but getting there...whew!
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Deleted
Posts: 0
Oct 7, 2024 9:31:46 GMT
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Post by Deleted on May 29, 2015 19:47:35 GMT
Where would you like me to start?  |
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caro
Drama Llama
Refupea 1130
Posts: 5,222
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Post by caro on May 29, 2015 19:51:46 GMT
Where would you like me to start? Ha! Me too. |
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Post by craftsbycarolyn on May 29, 2015 19:51:50 GMT
Yep, enough said. LOL!
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bethany102399
Pearl Clutcher
Posts: 3,623
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Post by bethany102399 on May 29, 2015 20:04:31 GMT
Right there with you.
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peaname
Pearl Clutcher
Posts: 3,390
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Post by peaname on May 29, 2015 20:05:04 GMT
A couple of years ago I somehow forgot to pay the mortgage. And only noticed the surplus in the our account which I mostly spent. Then when my mortgage company called and asked me a bunch of questions I accused the man of phishing because he called me and wanted to know my account details. Oooops! I called them back and then had to apologize for my big mistake. Luckily for me they didn't ding my credit.
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Post by mikklynn on May 29, 2015 20:17:38 GMT
Yes, one week I set up all the electronic bill pays, but apparently did not hit OK. None of them got paid. I didn't figure it out until the next month when those bills were all overdue.
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Post by annabella on May 29, 2015 20:21:52 GMT
Yes I've sent money to the wrong credit card. I've put in the wrong date so it's scheduled to get paid next year, don't notice until a month later when I see the bill wasn't paid. lol
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happymomma
Pearl Clutcher
Posts: 4,078
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Post by happymomma on May 29, 2015 20:30:12 GMT
Yep. I ordered an iPod from the Apple website store. Then I realized that I could have gone through a link on my Discover card site and gotten 5% cashback on it. Dangit.
Oh well, I have to order another one and this time I will go that way. Live and learn, but yes, I thump my head that I missed out on that bonus, even though it isn't a huge amount.
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Post by underwatermama on May 29, 2015 20:32:41 GMT
Once, a long time ago, my dh paid our cc bill only instead of writing in the amount due, he paid them our balance in our checking account. So all our other payments bounced that month. He no longer pays the bills lol.
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Post by eebud on May 29, 2015 21:44:48 GMT
Financial mistakes can really suck. I have been handling all of our bills for a while. I always worried about DH if something unexpectedly happened to me and him possibly not knowing what was due when. Also, some things only come via email or there was going to be an extra fee. He wouldn't see those at all. So, I ended up setting up everything on some sort of autopay. I know I am taking a bit of a chance because I am giving authorization to hit our checking account but (knock on wood) so far, nobody has ever double dipped. Actually, I take that back, one small one did double dip but they caught it and put it back before I ever knew it was gone. It came out one day and back in the next. However, since I do this, I also make sure that I have enough of a cushion in the account that it won't overdraft if someone does screw up. Also, companies that seem to notorious for taking money they shouldn't are set to charge to a credit card instead of hitting the checking account. The credit cards pay in full on the due date each month.
This has worked very well for me. DH has a spreadsheet of all bills, the approximate date they are due and how they are paid. He can refer to that if something happened to me so that he would know what was going on. I really wish he would become more tech savvy but he has zero interest in doing that.
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Deleted
Posts: 0
Oct 7, 2024 9:31:46 GMT
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Post by Deleted on May 29, 2015 21:49:51 GMT
yes i learnt my lesson to not pay bills at 3am while half asleep
i transferred $2500 onto a credit card that had no balance owing instead of into a mortgage account that had lots owing
it took almost 2 weeks to get back. banks - so quick to taketh but not so quick to giveth back
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Post by JoP on May 29, 2015 23:39:57 GMT
Can you make room for one more on the bench please?
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moodyblue
Drama Llama
Posts: 6,255
Location: Western Illinois
Site Supporter
Jun 26, 2014 21:07:23 GMT
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Post by moodyblue on May 29, 2015 23:40:18 GMT
I pay most bills online through the bank. I paid several bills one evening, but did not hit the final button on one credit card bill, so it didn't get paid on time. I now count the number of places with pending payments and make sure it matches my entries in the check register - if there are six bills marked paid, I should have six pending payments showing in the window.
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Post by chaosisapony on May 30, 2015 0:17:17 GMT
I hate it when I make stupid financial mistakes. Most of the things I do could be avoided if I just took a little more time to double check myself or paid better attention.
Last year my credit union changed some policies and as a result I had them cancel out the option to pull from my savings account if I overdrew my checking. The transaction would just be declined. So this month I wasn't paying attention and a bill I thought had already come out of the account didn't until later in the month so I spent all the money. So when this bill actually hit I didn't have enough to pay it. Now, I have an alternate funding source on file for the bill so my credit union should have declined the charge and the bill should have gone through to the alternate funding source. But nooooo... my credit union put it through and charge me $28 for "courtesy pay". I called and argued with them because I had all that turned off. They said no, the only things turned off were connected to my debit card, not what they call "ACH transactions". I argued, I lost. It's my own fault but it's still VERY annoying. If there is no money in my account they should not be putting charges through. Period.
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my3freaks
Pearl Clutcher
Posts: 3,206
Location: NH girl living in Colorado
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Post by my3freaks on May 30, 2015 0:27:38 GMT
That does suck! Usually my boneheaded mistakes aren't "good", like paying things twice, they're more like forgetting to pay something, or forgetting about an automatic deduction coming. Never touch banking sites after taking sleep-aids! I changed my amazon password to something much more complicated for exactly that reason. I've bought stuff a few times when I was puttering around on my tablet after taking Ambien.
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my3freaks
Pearl Clutcher
Posts: 3,206
Location: NH girl living in Colorado
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Post by my3freaks on May 30, 2015 0:39:48 GMT
Once, a long time ago, my dh paid our cc bill only instead of writing in the amount due, he paid them our balance in our checking account. So all our other payments bounced that month. He no longer pays the bills lol. Damn!  I can't imagine the heart attack I'd have had when I realized what had happened. I think he takes the trophy! |
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StephDRebel
Drama Llama
Posts: 6,692
Location: Ohio
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Post by StephDRebel on May 30, 2015 1:16:24 GMT
Y'all make me feel so much better, I've been cut off from technology after meds are ingested! lol
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Post by cakediva on May 30, 2015 1:21:24 GMT
Anyone else make jackass mistakes that just make you shake your head? Yes - the 19 year old Kirby vacuum cleaner in the garage....took us 5 or 6 years to pay for the effing thing - and then we refused to buy another until just recently (bought a Dyson at the Target clearout) because it cost us so frigging much! |
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Post by scrapmaven on May 30, 2015 3:17:38 GMT
Oh, I made what could have been a huge accounting mistake 2 years in a row. Luckily, it turned out in my favor, but it was sheer luck that I didn't get penalized. Whew.
Relax. Everyone makes mistakes.
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Post by iamkristinl16 on May 30, 2015 3:43:19 GMT
That stinks.  My stupid move for the month was that that my CC payment was due on the 11th. I tried to pay it with the app on my phone the day before and the day of, and it kept saying the system was down. We had a baseball game that night and I didn't get to a computer until about 7:30 CST. I tried to pay online (didn't even think of calling prior to this) and it said my payment would not go through until the next day. So, I called to pay over the phone, hoping to get someone that could help. I got a message asking if I still wanted to make the payment, even if it would post the day after the payment was due. I couldn't find any way to make it post that day (apparently any payment made after 8:00 EST posts the next day). I just checked my account and my minimum payment has jumped from $34 to $101 and I now have no available credit. So, I am guessing that is due to paying it late. I am going to call to talk to them but am not sure how likely it is that they will take away the penalties since I technically paid on that day, and only paid after the designated time since the app wasn't working. It is so frustrating since I have never paid late before, and honestly, I don't even feel like it should have been considered to be late. Grr... |
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Post by CarolT on May 30, 2015 5:23:59 GMT
I set up my kids' bank accounts so that I could transfer money directly into them when they were in college.
Not long ago, I received a check and I put it in my savings account until it cleared. I wanted to pay off dh's car with that money, so I transferred $2,000 from our savings into checking... but instead of transferring it to our checking account, I transferred it to dd's checking account (doh!). She had to write me a check that I then deposited and once that check cleared, I finally was able to pay off the car!
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anniebygaslight
Drama Llama
I'd love a cup of tea. #1966
Posts: 7,402
Location: Third Rock from the sun.
Jun 28, 2014 14:08:19 GMT
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Post by anniebygaslight on May 30, 2015 6:25:42 GMT
I have things set up to be paid by either standing order or direct debit, so if mistakes are made, it is by the bank and there is some form of redress. With my memory, it's the only way!
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uksue
Pearl Clutcher
Posts: 2,531
Location: London
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Post by uksue on May 30, 2015 11:57:31 GMT
I have made made some pretty silly mistakes paying bills etc. My biggest mistake has GOT to have been marrying my ex however . He is just horrible with money , I am only just finished paying off the debt he landed me with 6 years ago , and he is yet to pay off the two charging orders he has against the house-that I owned before I ever knew him.
I have advised both my oldest children to maintain their own accounts and be proactive if their partner seems to be horrible with money like my ex is .
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Post by scrappysurfer on May 30, 2015 17:54:09 GMT
I made a mistake last week that ended up being a huge financial mistake, I hit a pothole that I didn't see and it busted a hose that drained all my brake fluid and destroyed the master cylinder. I didn't realize it had busted my brakes the next time i drove it, I just thought the brakes seemed a little soft. .. When DH drove it he realized something was really wrong. I hadn't even associated the pothole work the brakes until he asked me if I'd hit something. Cost $400 to fix.... the kicker is, this car is 21 years old and is only worth about $500 At least the car is paid for and runs well. I'm going to petition the DOT for reimbursement. I took a pic of the hole, it's about 8" deep and on a curve, so it's invisible if you are following someone (which I was). |
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StephDRebel
Drama Llama
Posts: 6,692
Location: Ohio
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Post by StephDRebel on May 30, 2015 17:57:59 GMT
Ugh, this whole thread makes me cringe!
Thankfully mine is all resolved now, the order is placed, paycheck is on it's way for the month and I don't have to pay bills this month! ha. I was clenching TIGHT for about 48 hours. Whew.
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I can't imagine the heart attack I'd have had when I realized what had happened. I think he takes the trophy!
My stupid move for the month was that that my CC payment was due on the 11th. I tried to pay it with the app on my phone the day before and the day of, and it kept saying the system was down. We had a baseball game that night and I didn't get to a computer until about 7:30 CST. I tried to pay online (didn't even think of calling prior to this) and it said my payment would not go through until the next day. So, I called to pay over the phone, hoping to get someone that could help. I got a message asking if I still wanted to make the payment, even if it would post the day after the payment was due. I couldn't find any way to make it post that day (apparently any payment made after 8:00 EST posts the next day). I just checked my account and my minimum payment has jumped from $34 to $101 and I now have no available credit. So, I am guessing that is due to paying it late. I am going to call to talk to them but am not sure how likely it is that they will take away the penalties since I technically paid on that day, and only paid after the designated time since the app wasn't working. It is so frustrating since I have never paid late before, and honestly, I don't even feel like it should have been considered to be late. Grr...
