I got shorted on my paycheck a couple weeks ago, and it's

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Anonymous
2017-03-09 03:56:43 Post No. 18111942
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Anonymous 2017-03-09 03:56:43 Post No. 18111942 [Report]

I got shorted on my paycheck a couple weeks ago, and it's supposed to be applied to my next check, my car payment came out today, putting me $90 in overdraft. So now I'm about to sign a short-term loan agreement online which will put $100 in my account, but it has an $18 fee attached. This is better than the $50 NSF fee and the trouble of rearranging my payment, but being in the position I'm in, I'd prefer to actually have that money available. I could stretch that a week for food if I needed to.

Granted that it's 10:40 PM here, I'm considering waiting until morning (6ish am) to see if my paycheck will hit before the payment is reversed and I'm charged for the nsf. Am I wrong in assuming that it will not happen outside business hours?

Side-note: My department was taken over by a 3rd party company, which I'm now working for. This will be my first paycheck from this company, and I was told it would be Thursdays. It's one of those companies where the owner seems to make things up as he goes, but my bank posts my paychecks at around 5 am every payday, so I can rely on that much.

>tl;dr:
>I'm $90 in overdraft, will it go NSF outside business hours?

Anonymous 2017-03-09 04:03:21 Post No.18111957
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Anonymous 2017-03-09 04:03:21 Post No.18111957 [Report]

You should keep a healthy buffer of money in your account for shit like this. If you can't afford to do that then you are living beyond your means.

Anonymous 2017-03-09 04:15:31 Post No.18111979
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Anonymous 2017-03-09 04:15:31 Post No.18111979 [Report]

>>18111957
I don't have bills outside of essentials and my car, which I committed to when I was in a better place (even then, my payments are low and I make more from having it), but I was unemployed for 6 months and I'm just catching up now. Paid off 2 collectors in the last month, so my "healthy buffer" will have to wait another couple months.

If I don't have a car and phone, I can't meet and accommodate new clients for my side-hustle. Everything else is rent and utilities. Not to say things couldn't be better, but I shouldn't need to say that everything isn't just perfect for anybody from birth to death.

If it wasn't already obvious, this doesn't help with my current issue.

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I'm aware that Imgur.com will stop allowing adult images since 15th of May. I'm taking actions to backup as much data as possible.
Read more on this topic here - https://archived.moe/talk/thread/1694/