Don't Gotta Be Drunk to Say It

Sip 2: Bye Bye Money! Hello Charge!

Freakin' UGH! Well, goodbye 5$ and hello 30$ fine. 

- Flashback -

I should get xBox Live! *gets xBox Live*

- End Flashback-

Looking back that was awfully stupid of me. I'll explain why after-

- Flashback-

I really need to buy some cereal. There's literally no food in my house. Hm, I think I have about 5$ that's enough I think. Let me just double check because I did go to Subway like two days ago. *opens bank app and sees that I have literally -.85$ left.*

NO NO NO NO NONOOOOOJOJDJ FKSDKSL:FJSLFSK WHERE THE FREAKING HECK IS MY MONEY?! WHERE IS IT?@LDSKJFA *bangs my iPod repeatedly*

Okay calm down DJ. Your iPod is already shite. Let's see, why do I have no money? *checks bank statement and sees that FREAKING MICROSOFT removed 9.99$" 

OH MY FREAKING GOD I DIDN'T EVEN HADF THAT MONEY FOR THEM TO FREAKING TAKEEEEEEE.

- End Flashback - 

Okay guys. I'm just soo done with my bank right now. 

First, let me just break everything down for you guys. 

For some friggin' reason, I decided that I'd purchase xBox Live in the past for whatever reason. Now, it's not a bad decision if you actually use it (which I don't I'm a PS person c; ). But, because I'm incredibly lazy and irrespsonsible, I didn't cancel my membership so it takes $9.99 from my bank account ever end of the month. I completely forgot about that this month, like, completely. 

Well I only had five bucks to my name. The thing is though, that my bank doesn't restrict purchasing over what you have. So I can have 5$ and still buy something worth 100$ at the store however I was only able to pay 5$ of that in reality. The bank pays the other 95$. Yet, you still have to pay the bank back the 95$ you didn't actually have since you forced them to pay for it AND now you have a 30$ overdraft charge. And overdraft is doing exactly what the example says you did, you used more money than you had. You overdrafted. Some banks don't have overdraft fees but MOST do. Mine certainly does, and it's 30$. And guess what? It doesn't matter if you only spent 1 cent over what you have. You didn't have that 1 cent so you overdrafted and it's still a 30$ fine. If you don't freaking pay the 30$ it gets tacked on to the 95$ you already own and then if you don't pay that then you're really tumbling down a mountain now LOL. 

Anyway, I'm just super pissed because HELLO! CHILL OUT XBOX! JEEZ! I really need to cance this freaking xBox Live membership. It's KILLING me. 

If any of you guys get a bank account, join:

A.) A bank that has a lot of locations in your country (mine doesn't)

B.) Stops you from purchasing something that is over the amount you don't have. (I have no idea why I joined a bank that just lets you spend money you don't have.)

Ugh. Gonna go deal with this freaking overdraft!