I hate instant payments

No.

Yeah: Keep enough money in your checking account to pay your bills on time.

You put the "cheap" in "cheap whore," don't you?

Think of it as a fool-proof way to determine whether you can afford it or not.

OP:

Get a PayPal account and use it as much as possible. Doing so often allows you to "buy in 4"--basically splitting payments up to 4 manageable installments every 2 weeks. I've easily paid for several plane tickets that way (which would've been unaffordable in a lump sum).

[quote] Get a PayPal account and use it as much as possible. Doing so often allows you to "buy in 4"--basically splitting payments up to 4 manageable installments every 2 weeks.

What is the interest rate on that?

0% R5.

I’ve used it multiple times.

Same here, R4. It makes payments easier and I like it.

[quote]You put the "cheap" in "cheap whore," don't you?

Personally, I put the "whore" in "cheap whore."

What was that check floating scam? I think my older sis did it for a bit.

Learn to manage your money.

OP types poor.

[quote]What was that check floating scam?

"Floating a check" or "Check Kiting" is when you write a check knowing there is insufficient funds in the account expecting it will be covered by payday. If you had an account at different banks it could take a week before the check was processed. I think it was Greenspan who changed the rules stating the bank didn't need the physical check and can use an image.

[quote] I think it was Greenspan who changed the rules stating the bank didn't need the physical check and can use an image.

What an asshole.

These companies make gaggles of money. They can afford to spot me for a few days.

R14 Not with YOUR spending habits, trash! I've seen the receipts!

Who spends $900 each month on combs for Barbie dolls?

[quote]"Floating a check" or "Check Kiting" is when you write a check knowing there is insufficient funds in the account expecting it will be covered by payday.

Actually, check kiting involves more than one bank and is designed to falsely inflate the value of an account.

You write a check from you account at Bank A (lets say to the electric company) but you don't have money to cover it. You then deposit a check made to "Cash" from your account at Bank B. Bank A adds the funds to your account so the electric company check will clear and then you either deposit money in Bank B or Kite from Bank A.

Back in the day, before computers took over, you had to time the kiting process perfectly in order for it to work. Also back in the day, you could go to jail for writing bad checks.