I couldn’t agree with you more. I have been living large on debt island now for a few years. I have not had a credit card since the first days of college when I ran it up and then realized (in the early 90s) that my parents who had forever paid all of my bills were not going to pay this one as we struggled to get out of the recession of the late 80s/early 90s. Shocker! So I eventually paid that thing off and chucked it. The only other credit card I have had since then was a corporate card strictly for business expenses which was never any fun.

I have not really believed in the credit system or in $s. I have lived my life on the idea that good things come to good people and so it be true to this day… but somehow unexpectedly I did get roped into this overdraft protection thing.. now I am not exactly knocking it because we all know that $2500 extra dollars (my limit) at your disposal comes in handy.. especially when a a fun trip comes up and you need to buy a plan ticket for travel the next day.

So here I am looking at my bank statements realizing they are constantly charging me for overdraft protection and the funny thing is my balance + over draft protection never truly equals my “available balance” so I can never really figure out where I am with my spending.

I am hoping this is only a problem for a few more months until one of my get rich scams pan out. See you on the island of the rich and famous soon.

Jen