The day started out like any other day, I had been up all night cleaning and making way for my new furniture ... 9:30am rolls around... hmmm I think I will go get my income taxes done and gt my Rapid refund check... I was all smiles as I pulled into the parking lot on Atlantic Ave and had my Id's and paystub ready.
I walked in like it was my Birthday and the secretary there even smiled ... My Cheshire cat smile was quickly turned into a frown that even Lionell Kiddy City could not turn upside down (yeah i know im showing my age by using an analgy to an old toy store comercial, but it fit so sue me)
"Oh We can't process your refund untill after the 12th which means we cannot give you an anticipation loan because we would need the return form 1040 along with the loan agreement"
My mind was suddenly scrambling to figure out how I was going to cover the check I wrote for my Car insurance on the 31st, and I had to give the furniture place my deposit because they are delivering my new living room set today... There was only one thing I could do, Desperate times call for desperate measures... letting the insurance check bounce was totally not an option because that would mean cancellation of my insurance... and to NOT pay the furniture deposit would mean no furniture for me... which would really suck considering I had taken my old recliner and cozy chair out to the dumpster... not to mention this is something that will help me improve my credit score... because by paying the furniture on time it establishes a payment history... soooo off to the bank I went and withdrew the money from my savings acct which is my emergency money... and deposited the needed funds in my checking acct...
Mischief Managed right?? well sorta, for now.... so I thought...
Insurance check covered and paid fdeposit on furniture with debit card...
so all was well as rain on a summer day... I was in trenton, having coffee with a friend and then I decided to check my messages on my cell phone... I hit the voice mail button and to my horror and dismay was transfred to customer service because that is what happens when they restrict your account for non payment.... GREAT!!! Murphy's law came a knocking at my door...
I guess I can survive without my cellphone for a week.... that is not an emergency... it is just Embarrasing because people wont be able to reach me by cell phone, just email and msn msgr...
If it were that critical id have gone back to the bank and took out the money from my emergency funds savings.. but I can wait till next week....
I dont make new year's resolutions ecause I never keep them anyway, but this year I will, and I am going to keep this one... I need to get a better handle on my finances...
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