Comments on: Why You Should Always Have a Backup Plan

By: A More Reasonble Round of Carnivals « Are You Going To Be This Way The Rest of The Time I Know You?

Mon, 18 Feb 2008 15:28:06 +0000

[...] Stories—Living it Out and included my article Shame is a Powerful Incentive, Darn it . Lynnae at Beingfrugal.net had a good article about her trip to the store and why you should always have a backup plan . I [...]

By: Marcy

Marcy — Fri, 15 Feb 2008 21:59:14 +0000

I keep in a hidden section of my wallet several $20 bills folded very flat and small for emergency purposes just like this. I’v used (and replenished) them several times in the past 5 years. I don’t count them as part of my “cash on hand”, since to me it is just peace of mind!

By: Funny about Money

Funny about Money — Tue, 12 Feb 2008 12:12:15 +0000

How annoying! That’s the sort of thing that makes me walk out of the store, leaving the junk on the counter. But with a five-year-old in tow, I’m sure I would have done the same thing you did.

It’s worth asking the management for a refund of your $3.00, which is a real rip! If you can’t get any satisfaction from the store manager, you should write to their corporate offices, whose address you can often unearth with a Google search for shareholder services.

By: 46th Carnival of Money Stories—Living it Out

46th Carnival of Money Stories—Living it Out — Tue, 12 Feb 2008 09:33:48 +0000

[...] at Being Frugal tells the story of her trip to the store and why you should always have a backup plan. It’s all to easy to end up tired and unprepared and just wanting to get [...]

By: Cat

Cat — Tue, 05 Feb 2008 05:50:50 +0000

Great post (although less great story, I can imagine how frustrated you may have been).

I have started keeping a minimum balance in my main bank account. I never spent more than I earned but I would be happily transferring money left, right and centre to multiple bank accounts then forget to leave money in there for direct deposits. After being charged more than one overdrawn fee I learnt my lesson and now I keep a minimum balance in there as well as keeping a better eye on what happens when.

Not quite being prepared but along the same lines.

By: RacerX

RacerX — Tue, 05 Feb 2008 03:29:34 +0000

Not fun…Have 3 kids and it is always a pain when there are issues.

Gotta say though, the store has an issue. If it is multiple Debit cards, the store manager should have been there and warned shoppers that it was out. Then to hit you with a $3 fee…

By: Ryan S.

Ryan S. — Tue, 05 Feb 2008 00:30:52 +0000

Wow. I had somewhat of a similar experience with my bank, but of course, it was the fault of my bank. To tell you how much of a stickler I am against fees, I drove a mile to a fee free ATM for my alternative bank (ING Direct) to get money out of there rather than pay the $whatever fee… I feel bad for you! I hate fees too!

By: Marie

Marie — Mon, 04 Feb 2008 23:40:47 +0000

A note about carrying a checkbook with you. When my Mom’s wallet was stollen the police commended her over and over again for not having her checkbook in her wallet. Now with online account payment abilities, to authorise a transaction from your bank account they only need your account number and your name in order to drain your account, which your checkbook conviniently supplies.

To me this risk is not worth the infrenquent inconvinience of needing a checkbook on my person.

By: SavingDIva

SavingDIva — Mon, 04 Feb 2008 20:40:31 +0000

I would have probably left! I carry very little cash and depend on my ATM card and credit cards. I find that I spend cash so much quicker than I would with a card….

By: Kacie

Kacie — Mon, 04 Feb 2008 17:49:46 +0000

What a stinky hassle!

I never carry my checkbook anymore. Heck, I don’t even carry a purse.

I think you should complain to the store management. Nicely, of course.

It’s not their fault that their debit card thinger wasn’t working, but shopping at their store did cost you an extra $3. Maybe they can give you some coupons or something. Worth a shot, perhaps.