What I learned today…
That my payroll doesn’t always go in ahead of the due date.
I use a Credit Union instead of a detestable massive corporate bank that sees you only as a number and a dollar figure, as opposed to a human being. I love my CU. I’ve been with them for 7 years now. They offer unparalleled service, a multitude of free offerings, and most importantly they treat me with humanistic respect. One of the stated benefits of using a CU is that if you have direct deposit, you receive your payroll deposit as soon as the CU receives it. Unlike the mega-banks who hold your money, juice it overnight or during several days in a sweep account, my CU dumps my payroll into my checking account as soon as it’s transmitted by accounting. USUALLY!
Now I understand that this may not seem fair to those who have to wait until the actual pay date as proscribed by our employer, however;
- As a huge evangelist of CU’s I’ve offered to refer many a co-worker to my CU to receive the same service and bennies. No one’s taken me up on this (aside from the payroll sitch, the CU offers so many free things that no bank on earth would ever even consider, but that’s another story). Their loss.
- I’ve gotten into the bad habit of anticipating my pay being available before the actual due date. Not a wise decision on my part.
So last weekend I expected my pay to hit all weekend long with no luck. I spent the weekend broke, bored and frustrated. I had lots of things planned for the weekend but I couldn’t do any of them without the funds. The most frustrating part is that during the week, there’s no time to do these things — when the $$$ is actually avaiable. I suppose I could have strted this blog last weekend (hey, it’s free!), but instead I slept.
Note to self: plan ahead with regard to payroll!