The TL;DR is my credit union is apparently fine with me having 400 dollars worth of fucking overdraft fees and wouldn't even inform me when making deposits of these charges until they decided to offer me a god-damn credit card.

I'm ranting and at my wit's end. Bear with me.

Now, I know. I completely, honestly, 100% understand that the burden of keeping my own budget is on myself. I keep one, I manage my expenditure to do no more than match my income, and I keep a steady balance. Sometimes things are a little iffy, but I generally take in more than I take out. The month of July, however, was an exception - I finally made the move out of my parents' house, put a deposit on an apartment and made a payment for July and August's rent, taking a good chunk out of savings.

Finding myself newly independent and well on my way, and knowing my rent is pretty cheap in comparison to a lot of people (400 bucks for a 1 bed/bath house, no water bill, decent neighborhood), I sign up and pay for college up front, secure in knowing that I have been able to actually do this without accumulating debt. Hell, I even got engaged. All this puts me back to about 90 bucks in my checking account after all is said and done. My young, newly independent mind goes 'OK, this is fine!' and proceeds to continue keeping a separate book with income and expenditure rather than looking at the God-damn receipts they give you at the end of a withdrawal/deposit at my bank like a dumbass.

But then Amazon happens. Now, if you don't know, Amazon will automatically charge your card after a 30 day trial period for Prime wears off. I didn't see this in any of the fine print or anything - hell, I think I just watched a video or something with Prime, I can't even remember what it was, it MIGHT have been Kingdom of Heaven - but it's a thing, apparently, and they charge me a good annual fee of 104.79 bucks or something absurd.

This sets off a death spiral of overdraft fees, because I'm sitting over here thinking "OK, I have 90 bucks in the account. I'll just do small mini-charges until my next paycheck." So I get like 7 bucks for McDonalds, 20 bucks for gas, four dollar steam sale, like 2 bucks for a coffee at Tim Hortons every morning, and every single individual charge pulls 29 dollars in overdraft fees.

This goes on for almost an entire freaking month before I'm made aware of this. In the time that that happens I've cashed three paychecks and made larger expenses thinking that my income is perfectly fine, and the tellers don't allert me of a single damn thing until just earlier today when they ask me if I'd like a credit card because it'd be cheaper to just transfer the charges rather than get an overdraft fee.

So now I'm sitting here in the negative with no paycheck until the 16th. Nobody called due to purchase irregularities, nobody mentioned anything about my overdraft fees, so now I'm SOL wondering how the hell I'm going to get gas.

Check your receipts. Don't be a dumbass like me.