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nkyguy1988 t1_iueil5x wrote

Are you taking cash out and taking 1 fee or having each payment have it's own fee?

Step 1 is making a budget with eliminating all possible extra expenses and minimizing everything else you can.

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pepperpeppington t1_iueinkh wrote

Each payment has its own $30 fee. We also take a couple hundred out to buy groceries when needed. If we didn't have to deal with all the fees that we get, we would be able to have that money without having to use overdraft

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nkyguy1988 t1_iuejmfj wrote

You need to just take the hit once, take out what you can and pay bills that way.

Take out 500$ cash even if it's an overdraft, pay the 30 on that, then pay 5 100$ bills and cost is 530$. If you pay essentially 130 per bill, now that's 650 you are paying. You must stop paying each bill on its own fee. Get a side job doing door dash just to get you to safely above.

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