I knew I was "in the red" coming up soon based on a review of my spreadsheet last week and I had planned on transferring some cash from my newly padded savings account. For some reason I thought I had more time because I opened up my spreadsheet this morning when I got to work and realized that today was the day I would bounce my account unless I deposited some money. Too late to do a transfer from my savings (which I have safely out of easy reach at my credit union) to my big bank checking account, I counted up the cash in my pocket and realized I was still $7 short of covering the bill. Fortunately, I keep a little wallet of quarters in my car for parking meters so I ran out and breathed a huge sigh of relief that I had $9 in quarters.
I hustled into the bank with my coin purse and $13 in cash with a fear they wouldn't take my coins since they weren't rolled up. Thankfully the bank was practically empty when I dumped my coin purse on the counter with a look of desperation. I know I shouldn't feel so embarrassed but I work in one of the wealthiest towns in the area and I could just imagine the thoughts of the rich people around me. The teller agreed to take the change since it was quarters and not 900 pennies but I could tell he was feeling sorry for me. So even though it was an embarrassing encounter, now I won't bounce my account and I've learned that I really need to leave some wiggle room in my budget.