The Bank Transaction Breakdown!

OK so I am new to this lesson and thought I would share.

Let’s say you have $16.63 in your checking and less in your checking.
You have a $16.00 charge in the “pending” transaction for 3 days.
You have another payment of $75.00 check that goes through (you thought that the paycheck would beat the check you wrote but it didn’t).

Even thought the $16 has been in pending transactions for 3 days and you have enough to cover it, they put the $75 check through first and within “seconds” and I mean seconds, they post the $16 into your regular transactions.
What does this mean?
It means you get an overdraft fee of over $30 for both the check and the $16 charge.

Ok so I get that the check overdraft fee is legit but the $16 fee should not be. And the answer you get is, “well Mam, we always put the larger sum through first because they are usually the more important transactions like a mortgage, car payment etc.”
This is what I said, “I know I should be charged one fee but that $16 payment is not fair, it was in there days before the check!” The bank, “well that is our policy.”

So now, on payday I am heading into it with an just over $60 plus dollars in fees. Really? Is it just me that thinks this is scandalous? Thanks a heck of a lot XX bank and you 5 star customer satisfaction blah blah blah. I should not have been charged for the $16 payment as a negative! PERIOD!

Thanks for listening

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FREE Huggies Rewards code and thanks AMAZON!

I got my box of diapers from Amazon today and am so excited. It only cost me $23.63 for 140 diapers. I swear, if you have not signed up for Amazon Mom yet, you need to. First off you get 15% of for choosing auto ship and then another 15% for being an Amazon Mom. This is a 30% discount and the diapers went down to .19 cents each! awesome!

Anyway, now down to business, here is the rewards code!


It does not always happen, but I love it when people actually let me know when they use the code. It  makes me feel good to know someone actually uses it!


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I did not know there were wite ticks!

The above is a picture of my dog with a white tick embedded in her back. It was so sad:(
My daughter actually found it on her and we had to get it removed. I have never removed a tick in my life. I have to be honest, I did not want to remove it either

Thank goodness for my Banfield Pet Hospital pet plan because I did not have to do it, they did for free! Yes that was a FREE plug for Banfield. I took the dog in and within 5 minutes we were out the door and it did not cost me a dime!
If my hubby would have been home, he would have removed it, but since he wasn’t I decided to take her in.
We get her vaccinated twice a year and one of those is a lime disease vaccination so I am not overly worried of her getting much of anything from this tick. Plus I walked her for an hour this morning and she seemed fine, so we are good.
My hubby did spray the yard last night with a big spray that is suppose to get rid of “all” the bugs. Well we all know what “all” really means, “not all” but if it does lessen them I will be happy!
Now I have a happy tick free dog!

Have a great day everyone!

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OK so I don’t get the spamming comments…really!

I want to know what is in it for spammer’s when it comes to blog posts. Do they not get it? Do they really think that I am going to publish their crappy spam comments?

The messages are so stupid too and the English is usually so broken you can’t understand it.

I had word verification on and then I turned it off during a big giveaway and within minutes I had a dozen spammed messages to approve…well not approve.

The comments are so ridiculous that half the time they don’t even make sense anyway.

So I am wondering what the benefit is for these comment spammers? What are they gaining by getting refused and sent to “spam?”

Any thoughts, please chime in!

This a no spam free zone! I don’t spam and I don’t want you too either so back off spammers! Tawna is on the prowl!

I have a hypothesis.
I really think that the only people that spend this much time spamming have no life, no relationships, and no self-esteem at all. They have to be the loneliest and maddest, unhappy people in the world. Who else would go around trying to virus everyone (well besides the anti-virus companies) or spam everyone? You have to be a real low life to do this! Misery loves company right?

Have a good one and a spam free day! Thanks for letting me vent!


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I need to quit plucking the gray hairs!

OK I have a problem I pluck out gray hairs out of my eyebrows and they are getting a little thin. I guess I need to start dying them to match my hair! If I don’t stop I am going to go eyebrow bald! See…

See all the gray hairs on the crown of my head too? If I plucked those I would be bald and the eyebrows are getting a bit thin too! ARGH, 40 and gray = RUDE!

You know that my Mom is in her 60′s and I have 10 times more gray hair then here. I am glad for her but sucks for me! Oh well, int he genes I guess.
Have a great day everyone and don’t pluck the grays! They don’t grow back, it least in my case, they just get thinner!
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I LOVE and USE Walgreens Brand Health and Wellness products

This is a Sponsored post written by me on behalf of Walgreens for SocialSpark. All opinions are 100% mine.
I have never seen the point in buying brand named wellness products as they are always a lot more then the store brands. I live close to a Walgreens and even closer to a CVS but I go the extra block to Walgreens, most of the time, because I like their brands a lot better!

When I saw this opportunity to talk about the Walgreens Brand Health & Wellness Products  I jumped on it because I DO use them 90% of the time. If you take a look at the labels on their Health and Wellness products you will notice that their ingredients are VERY comparable to the name brands but a lot cheaper. They may be cheaper, but they are not less effective!

Ones that I use regularly, and always have on hand are; Children’s Ibuprofen, Children’s Pain relief, and Children’s Allergy. I love all these products because I can get them all in grape flavor. Grape is the only flavor of medicine my kids will take. The Ibuprofen and pain relief help with my kids fevers and since you never know when y our child will get a fever, they are nice to always have on hand and ready to use.
I picked up the Children’s Allergy for the first time last summer when we went to Idaho on vacation. My son’s allergies were horrible there and we went to a doctor about them. He gave us a prescription for a name brand medication and like a fool, I filled the name brand first. It did not work! I then went to Walgreens and bought their Children’s allergy and it worked a lot better. I was so mad that I spend a $25 co-pay for my prescription name brand allergy medication and in the long run the $5.99 allergy meds worked better. Lesson learned!

Another reason I go to Walgreens is for the Pharmacy. I have got a few prescriptions from the CVS pharmacy close to my house but their pharmacy staff is not as friendly as the Walgreens pharmacy staff. When I had to get an enema for my 18 month old son I started at CVS and got frustrated and walked over to Walgreens and got very friendly help and all my questions answered. Customer service is a big deal to me and Walgreens comes through for me each and every time with their awesome customer service.

Walgreens has a 100% satisfaction guarantee on their products. Visit Walgreens website to learn more about their Health & Wellness products.

For every purchase of Walgreens Brand Health & Wellness Products, support will go towards the Walgreens Way to Well Fund™ Walgreens will contribute up to $3 million annually to this fund!
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If you have never given Walgreens Brand Health & Wellness Products a try I hope you will now. It will save you quite a bit of money and you will be getting the same benefits as the name brand formulas.

Have a wonderful day!


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Diapers from AMAZON…YES! Cheapest I can find anywhere!

Dawn from We May Not Have It All Together commented on one of my blog posts and introduced me to Amazon Prime and diaper delivery. In the store Huggies cost me about .34 cents each, at Sam’s club almost .25 cents per diaper but have to spend $35 a year on a membership. How much are they with Amazon Prime, delivered…
.19 cents each! I signed up for a Amazon Mom account and auto ship and the shipping is FREE and the diapers are a lot cheaper!

An no Amazon is not paying me a penny for this post! I just love to share when i find good deals AND when I don’t, but in this case, it is a GOOD DEAL!

Who loves not having to pack the kids up to get a good deal sent to you door step…uh me! This is so sweet!

If I do auto ship I can skip a shipment if I don’t need it and if I need diapers earlier I can speed it up, perfect! I would highly suggest this form of diaper delivery!

Have a great day! Thanks again Dawn


Don’t forget to check out my own personal giveaways!

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