Just when I thought I had everything under control and I could survive on the money that comes in, I went to my bank to deposit a check and found out that I was over $200.00 overdrawn. I couldn't believe it. I hadn't spent more than $10.00 and there was at least $40.00 in there.

I wasn't feeling very good yesterday. I kept toying with the idea of going to the ER while the driveway was clear and we could get there. But I really didn't want to go. So instead, we went into town to check the post office box. There was one check so we drove from the post office to the bank.

I was yet to discover that I was over $200.00 overdrawn. So I stopped at Walmart to pickup some more dog and Christmas Cat food... in case I haven't mentioned it... I had a small and starving black cat adopt me on Christmas morning. I call him/her the Christmas Cat. She/he's gained weight and is extremely loving and playful.

When I saw the printout from the ATM that refused to give me money, I couldn't believe it. Instead of having around $50.00, I was over $200.00 overdrawn. When you have as little money as I have, $200.00 feels more like $2,000 overdrawn.

I waited til I got home to call the bank's problem line. I found out that the problem really wan't my banks. It was a credit card that I thought I had canceled. It was one that I didn't order and I refused to keep because it cost $25.00 a month even though you have never used it.

The charge came in and there was still enough money in the account to cover it. But the next charge to come in as from Walmart and there was not enough in the account to cover it. My bank paid for it and then charged me $35.00 for covering it.

But there was not enough money in the account to cover the purchase made at a convenience store, so there was another $35.00 charge.

Two more small charges came in, one foe $10.00 and the other was about the same... I don't remember what is was. But there was another $35.00 charge for having insufficient funds to cover it. Eventually the charges added up to over $200.00 and that's how the account became overdrawn just as I thought the money problems were almost solved.

I was still overdrawn at my bank and I feared that the charges would just keep piling on until there's some money I can put in the account.

The man from my bank pointed out the credit card that kept charging me $25.00 a month. He said that the bank keeps a list of questionable cards and this on was on it.

He then told me that to keep them from ever charging me again, that the best advise he had was to close the account and open a new one.

He also said that it would be a while before the money gets put back in the account.

I still have 6 more days before I get paid again... retirement is good especially when you have retirement checks and social security coming in.

But now, I am flat broke again and still need to pay off this bank account.

If you can help, I will love you forever!!

I am putting all this money in the Fundrazer widget and I am considering this all part of doing business online.