Because having a checking account while poor doesn't just mean you have to be responsible and good at math -- you have to be perfect. Meticulous, flawless record keeping is the difference between surviving and having the bank seize your next paycheck.
Jim, my suggestion is to be pissed at the bank but funnel that into meticulous record keeping so that at any time, you know exactly how much is in your account. There shouldn't be any "I thought I had...." You should *know*. There's lots of apps that will help with record keeping, but a simple memo pad and pencil is all you need. You should be thinking: "Here's something *I* can do to keep those 'money-grubbing bastards' from getting any more of my money.
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Jim, my suggestion is to be pissed at the bank but funnel that into meticulous record keeping so that at any time, you know exactly how much is in your account. There shouldn't be any "I thought I had...." You should *know*. There's lots of apps that will help with record keeping, but a simple memo pad and pencil is all you need. You should be thinking: "Here's something *I* can do to keep those 'money-grubbing bastards' from getting any more of my money.