I got into a bad position where I had not only all of my utility and credit card bills on autopay, but I also had products on Amazon that were set to subscription purchases every three months.
- One day I accidentally dropped into the red on my bank account and three autopayments caused me to get three separate overdraft fees, totalling $105.
I managed to convince the bank to refund two of them, but that still left me on the hook for $35. That meant making serious sacrifices this month regarding my purchases at the grocery store, as I had to come up with the extra $35 somehow. When you’re on a limited income, you can’t pull money out of thin air if you are hit with an unexpected charge. Some essentials are expensive enough. For instance, the HEPA filters inside my air purifier are literally $32 a piece, so I suppose I’m glad they’re supposed to last for six months in total. I can’t imagine paying that much money every four to six weeks to have a clean air purifier. The HEPA filters in my air purifier are dense so they don’t get clogged nearly as fast as a normal HVAC filter in an air conditioner or furnace. All of these filters are annoyingly expensive in the long run. I don’t have the luxury of having a normal set of lungs that could handle leaving an a/c filter inside the machine for three months or longer like some people try to do. In the end, my indoor air quality suffers heavily if I’m not replacing my HEPA and HVAC filters when the manufacturer suggests.