"I'll stop procrastinating as soon as I've watched that program I recorded last week... as soon as I've made myself a cup of tea and a snack... as soon as I've moisturized my feet..." ;-)
I am always anxious about autopay. I have more faith that the money scheduled to go out will go out on time than I have about the money that's coming in.
I will use autopay when required or when it will save me money--and if I can schedule it for at least a week after I expect the money to be there--but I don't like it.
If I had some surplus of money, instead of always living so close to the ends-meet point, I think I would feel differently, but I've never had that kind of minimal prosperity, even at the middle-class level.
The paycheck is supposed to be deposited on a certain day, but it often doesn't show up in the account until the next day, or occasionally even the second day. This would mean that an auto-payment would hit the account when the balance wasn't enough to cover it, incurring large fees, which would make the balance even lower, etc., etc. It's easier to just pay the damn bills manually, either by mailing a check or by paying online.
Exactly! I'm sure not willing to have a payment go out when there's not enough money to cover it, and I have no way to control when autopayments to me (paycheck or whatever) actually are credited to the account.
I once (long ago, before I knew you) used PayPal to pay LJ 99 cents to send someone a "virtual gift" on their birthday, not knowing that the paycheck hadn't been officially recorded yet, and we got a warning from the bank that the 99 cents had theoretically made us overdrawn. (Since this was the first time, and since it was such a tiny amount, and since the paycheck arrived less than 24 hours later, they "forgave" us, and we didn't have to pay the fee, thank the gods!)
You'd think that with all the high-tech electronic trading going on in the banking world, all transactions would be more or less instantaneous... but noooooo....
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Date: 2018-01-11 09:36 am (UTC)(no subject)
Date: 2018-01-12 11:49 pm (UTC)(no subject)
Date: 2018-01-12 11:12 pm (UTC)(no subject)
Date: 2018-01-12 11:48 pm (UTC)(no subject)
Date: 2018-01-13 06:52 am (UTC)(no subject)
Date: 2018-01-13 10:14 pm (UTC)If I had some surplus of money, instead of always living so close to the ends-meet point, I think I would feel differently, but I've never had that kind of minimal prosperity, even at the middle-class level.
(no subject)
Date: 2018-01-14 10:48 am (UTC)(no subject)
Date: 2018-01-14 01:07 pm (UTC)(no subject)
Date: 2018-01-14 01:52 pm (UTC)You'd think that with all the high-tech electronic trading going on in the banking world, all transactions would be more or less instantaneous... but noooooo....