Ended up having a very scary day. So a week ago Friday I called my broker and said "I need to pay [big bills]. Pls move [four digit sum of money] to my main bank account." On this past Monday, I wrote some checks, totaling about 2/3 of what I deposited. Then I paid off a few more bills. I noticed that my bank account was still showing the amount pre-deposit, but these transactions sometimes take an extra day to clear. Also, I knew that the checks I wrote on Monday wouldn't be cashed for a day or two.
Then I got kind of ill. I have chronic digestive problems, and they acted up big time mid-late week. I actually had a horrible day Friday, but still managed to do a radio show I'm quite proud of, but I digress... That meant I wasn't doing much business for most of the week.
Today I went out and did some light grocery shopping. One of the locations I frequent refused my ATM card, but that's not unusual. I have one of the new chip-encrusted cards, which offer greater security by not fucking working at least half the time. I paid my bill with a credit card and got on with my day. At my final stop, once again attempted used my ATM card, for like $40 in food. The cheerful clerk said I aid "insufficient funds." I said "uh oh" and paid with the same credit card.
I stopped at the ATM, and instead of (based on my back of the napkin math) having a positive balance in the low four digits, I had a negative balance well into the three digit range. Somewhere along the way, somebody fucked up big time. I'd say most likely me, and it probably is, but in general I'm far better than that at managing money and I don't usually make $2500+ errors. Of course I can't do a single fucking thing about this until business hours on Monday. In between now and then I can ruminate on issues like ...did the transfer no go through? How many checks did I bounce this week? Is my broker drunk on the job?
It's a good thing I don't have any hair to tear out.