Losing it all

I admittedly made a mistake and paid a bill before Christmas, without checking my account, first and the web site glitched charging me $1500.00 instead of $150.00.

I am ashamed and embarassed to admit I messed up and continued to mess up with finances as I thought I could pull myself out of the mess.

I did not check with the bank until I received an overdraft notification a week later and could not get the collection agency or the bank to cancel the payment. I believed I could ride it out, even though it emptied my account and paid the last of Christmas off.

Although I am working regularly, the consistent overdraft fees allowing my bank to continue to pay bills such as rent, phone, and electricity have been stacking up and I am no longer even covering the overdrafts. 

I have bounced my rent check two months in a row and fear this will be the third. I have been fortunate enough to have enough money coming into the bank to cover the rent, albeit late, for these two months. This month, I fear, will be different.

I loathe asking, but I need enough to not only cover my rent, but put a slightly positive amount in my account to prevent further overdraft fees from accumulating to allow me to catch up and stay afloat this month.