Saturday, March 07, 2009

And just when I thought I was getting somewhere...

So yesterday was payday for me. I get paid every two weeks. I have a bunch of automatic debits set up so that everybody gets paid and the money just whooshes out to where it's supposed to be, usually ahead of time. So yesterday I log on in the morning to check my bank account, because I like seeing the big fat deposit, and what do I see but a deposit that is about half of what it should be. I freak. Then I figure, well, I got a reimbursement check for some copying that I put on my credit card, maybe they treated it as an advance. It doesn't quite add up but it's pretty close, so I race in to work to see the HR lady, thinking that if they catch it they can issue me a new check. I talk to her and say, I'm not sure what's going on, but maybe it's because of the reimbursement check. She says, write me an email with all the details so I can send it to payroll and they can check it out.

Apparently, what happened is that my manager requested that my salary come from the Operations budget instead of the Marketing budget. This means that instead of being paid current (ie the week I get paid, it's for that week and the previous one) I'm being paid one week in arrears (ie the week I get paid, it's for the two weeks before that.) So that means that this paycheck, I only got one week because they've already paid me for the previous week.

I am PISSED BEYOND BELIEF. I did not get ANY warning about this, and the only way I'll recoup this money is that when I leave the company, whenever that is, I'll get an extra week's paycheck. Big fucking whoop. That'll do me a lot of good.

I am so mad that I am actually annoyed at myself for seeing any positive in this. The positive things would be 1) since I logged in in the morning before most of my automatic debits proces, since Chase usually processes around noon, I was able to bump most of them to my next pay date and thus prevented overdraft, 2) I hadn't deposited the reimbursement check yet and the bill for the credit card I used isn't even available yet, so I'm putting the money in the bank now to make sure I don't overdraft anything, and 3) since I've been saving as much as I can, I have enough money in savings to transfer in and can make all the payments I need to.

But I'm still really pissed that the only reason I'm not in dire straits is because I planned ahead and was diligent - if I went crying to the HR woman that I wouldn't be able to make rent, they'd probably advance me part of my next paycheck. Not that that would solve the problem permanently, but they'd have more sympathy for me than if I said, this is going to make me take money out of my savings account!

Mostly though I am pissed because I was finally going to have enough money in savings that I felt secure. I have $300 in absolute-emergency money in a savings account attached to my regular checking account, so I can get it at an ATM, but I wanted to have at least $1000 somewhere else, in case the car had a major repair, another pet got sick, etc. Now I have about $250 in non-emergency savings. Which sucks. Boyfriend repeatedly asked if I needed money (because he knows about all the debt, and also that I pay the utilities) and I said no, but if anything even minorly catastrophic happens, I will. Which makes me feel dumb, because I should have had more in savings than this - I've been working full time since December, and have been doing mystery shopping and what not. But with a gas bill routinely $250-300, and a few very minor catastrophes, I haven't been able to put away as much as I wanted to.

Yesterday Boyfriend and I were talking about the new business that we're working on (he will be the lead programmer for the site) and I said well, once this makes money, I can go back to spoiling you. And he said, maybe this time around, just give me money. Which really would have been a good plan for both of us when CashDuck was doing very well - I did save a lot, but most of it was in retirement accounts, and it definitely would have been a lot better for both of us just to save it instead of eating out as much as we did. Hopefully if this does well, I'll be much wiser with it this time.

1 comment:

Trevor @ Financial Nut said...

Wow... hard to believe they would just do that to you without saying something first.

Bad business. I hate stuff like that.