So yeah. Since the last time I posted, I ran out of savings and found a job just in the nick of time (I had $200 that had to last me for 4 weeks before my mom and my grandparents pitched in to make sure I had enough to make it through to my first paycheck)....
After years of having two decent incomes, and then one more-than-sufficient income, and then a big chunk of life insurance to draw from (one year of Hubby-head's salary lasted me almost two years), I'm suddenly having to rearrange my budget around weekly paychecks. I'd had all my bills scheduled or set to auto-pay from my online bill pay, and rarely needed to worry with changing the payment dates - a few bills I'd have to go in and schedule when to pay them, but most things happened like clockwork without me having to think about it. It's been... an adjustment.
I'm not quite adjusted yet. I managed to forget to reschedule my end of the month/first of the month bills to separate weeks, and when I went in yesterday to check on how I was going to arrange my payments with next week's short paycheck (*muttering about "holidays" as a temp*), I realized that I not only had overdrawn my account, I'd managed to have so many things hit at the wrong time that between the actual payments and the overdraft fees, my entire next paycheck is going to be sucked up by the negative balance. Yay.
So yeah. I had $4 and some change to live on for the next couple of weeks - thankfully one of those things that pushed my bank balance into the red was buying two weeks worth of groceries, but I did have a few necessities to pick up at the store and I wasn't looking forward to having to bum a ride from one of my coworkers if the gas tank ran too low... that kind of thing.
And then... I remembered the change jar. Hubby-head's change jar, which was actually a 40 oz container he'd kept from a bulk package of Smart & Final roasted peanuts years ago. Every night he'd empty his pockets on top of his armoire, or next to the computer, and in the morning he'd pick up the wallet, keys and dollar bills, and leave behind whatever change he'd picked up throughout the day. We had piles of change all over the place, so I started collecting it on a regular basis and dumping it into the change jar.
Now and then when the budget was tight, I'd dig into the jar and pull out a few dollars worth of quarters to buy lunch or a couple of urgent grocery items. Most of what was left in the jar looked like pennies and nickels, but I decided to take the jar with me to the grocery store and dump it into one of those Coinstar machines to see what I ended up with.
Apparently I had over $110.00 in change sitting in my living room - who knew? After the Coinstar counting fee and buying the stuff I went to the grocery store to get in the first place, I've got $85.00 left to cover me for the next two weeks. More than enough... and man, do I feel blessed.
So yeah. God likes me.
I take that back... THIS is how I know God likes me!
Sunday morning I received a text message from one of our outreach coordinators asking if I could stop on the way to church and pick up a case of bottled water to stock up for planned outreach activities... Of course, my phone is set to vibrate and I didn't even hear the text come in, so I picked it up at the tail end of service when I was checking the time on my phone.
After church, I mentioned to him that I just got the message, but I wouldn't have been able to afford to spend money on that for a couple of weeks anyway due to the aforementioned bank balance issues.
As it turns out, his wife works for my bank. And as it turns out, I got a text from him later that day asking me to message his wife with my account number, and she could reverse out the overdraft fees for me.
She ended up removing enough fees from my account that I'm back in the black - and yes, I did reschedule my payments appropriately to make sure that didn't happen again.
See? God likes me.