Paid mortgage twice

[litch]

So I got my mail the other day and noticed a bunch of transfers from savings to cover checking overdrafts. That shouldn;t have happened so I went in and looked at my online statement:
09/05/2005 Withdrawal @ On Demand Internet Transaction Trace #4814160167 Transfer "DTM" 645.80 to MC Loan 1 -$645.80 $1,229.29
09/05/2005 Withdrawal @ On Demand Internet Transaction Trace #4814270154 Transfer "DTM" 645.80 to MC Loan 1 -$645.80 $583.49

So I seem to have paid my mortgage twice, which then caused a cascade of overdrafts, and then worst of all bounced my check to nancy for the loan she gave me to pay off my share of the credit cards and gave me a $25 NSF fee.

I called UFCU and the two entries are 15 minutes apart so it doesn't look like a double tap or something. I only remember making one transfer but who knows. They withdrew the NSF charge and we'll call it even. I think I might need to start paying my mortgage out of my paytrust account.

Ever without the double deposit I still would have had to do a overdraft for nancy's check but it wouldn't have bounced.

I haven't been saving the money I need to in order to pay my property taxes at the end of the year and it's worrying me. During the divocre I was expecting a raise and to be out of debt by now but that raise keeps getting pushed back. It was supposed to happen in july, then they said august, then it was the end of august, and now, well Maybe the end of september.

I got the loan to pay off alan, so now I have lots of cash in my account and 200$/month more in bills to pay off.

Comments

[litch.livejournal.com]

yeah I could have, but I did that for the 7 years we owned the house before this and I was very unhappy with it. I live in a complicated jurisdiction and I pay three different tax bills, one of which is collected by a jurisdiction I don't live in. So they were forever screwing up my tax payments and i would have to take time out of my life to deal with it, they fight with them to try to get the bank to pay penalty and intrest on the taxes. And then have to do it all over again year after next.

This way at least I get to keep the intrest I make off the money I saved. I owe myself about 2K plus the money that covered the checks. But the fact it wasn't sitting in an evil escrow account means I only got billed for 5 overdrafts and one nsf instead of 6 nsfs

[molasses.livejournal.com]

whew!