I love my KO drp, I love my KO drp, I Love my KO drp.

I just don't love the automatic transfer from checking at the end of the month. Usually transfer agent pulls from my checking account on the last business day, sometimes even as late as on the first of the month. This month, due to the holiday, they pulled a couple days before, on the 27th. Due to Christmas, my December finances dipped a bit low, which meant an overdraft of a grand total of 17$. Yikes! Got burned by the frugal burn.

As soon as I saw it, I moved 20$ from savings to checking. Not fast enough, apparently. I got dinged today to the tune of 27$, which showed before my paycheck did, dinging me again.

I just finished an email missive. Not quite innocent because the transactions are all there, just wrote straight out begging for them to waive the fee. "My intent was good, my timing was lousy," I wrote. We'll see whether they'll wave it. DH tells me that for a first-time louse like me they usually waive it.

Learning to try and juggle frugality with good health. I think I can do both if I make sure to remember that my diet is not two lunches, but one good lunch, split in half and eaten four hours apart.