Your Life Sparkles

I pulled myself out of my overdraft. It was not easy. I had to chip down from -$500.. to -$400... to -$300 until I was OUT.

 

Even if you are NOT an overdraft user... read on to find out how '$100 is the new zero... '

 

Every time I got above an amount, I called my bank and lowered my overdraft. They definitely pushed back.. 'Oh no.. you need your overdraft! Are you sure? What about the security you need?'... when really.. all it did was COST me fees for use... and me not feeling good living in the NEGATIVE bank roll. (boo, negative)

 

Once I got to zero...and did not use overdraft for 3 months... I cancelled my overdraft. That was an amazing day and I really will never be in overdraft again. ❤️

 

NEXT STEP... NOW I have ALSO made a commitment to myself that my account will never go below $100. That is my new 'ZERO'. If I am at $76... I find a way to put $24 back in! That $100 is my new buffer.. BUT it's on my terms. THAT is my new 'cushion' (instead of overdraft). AND even if you aren't in overdraft... what is your cushion? Create one today!

 

Over time, I have worked to raise that amount. Now cruising at $500 in my account AT ALL TIMES. (This is still *not* perfect... but when I dip below.. I have trained myself to work hard to refill it.. I have even transferred $2.54 to rebuild. Every penny counts for me!)

 

I have a friend who has a $10,000 as 'ZERO' account.... if they use it for car or emergency, their priority is to rebuild to 10K immediately. I admire this so much. And though my personal goal is not 10K yet.. it is higher (working on $600 this year...baby steps... continually!).

 

It takes time... but if you set a goal and work towards it... little chunks at a time.. you can do it. It has worked for me. I hope it helps you too.