They tend to kick a man when down. It's not that I'm hurting for money but I manage it like crap. And it seems a ton of bills come though when my money is low. Sooo I get hit and every time a bill comes in and I have no money in the account I get charge $25. Hello how is that helping? Oh you have no money so we will charge you some more. Thanks,
MSUFCU. Also why do electronic transfers take a few days to come through? If mine took a few seconds, like it should, then there would have been no problems. That is just another way for banks to screw you.
On another note can anyone recommend a money management program? Preferably free. Anyone use GNU cash?
[update] I found this website
http://www.getrichslowly.org/ and will try some of the idea's, especially the snowball bill paying.