[Sylvanfan]

I wonder how they determine the not enough money to cover expenses in their bank account?

My family had 3 times last year where our mid month fund withdrawal form our kids day care failed to go through, mostly as biweekly pay cheques started coming just after the 15th instead of before. Granted my wife is as bad with money as someone can be and would make big payments on her credit card not even knowing this was going to be withdrawn along with our Inusrance, and property taxes.

Thankfully I did manage to get us out of that cycle. But once you start to fall behind, it's pretty tough to climb out. Every time our account overdrew that was $60. Her credit card was another $80 a month in Interest, and I had a LOC that was also costing me about $40. Just getting out of that stupid waste of money right there started to add up in just 4 months.