or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Have you ever written a bad check on purpose?
New Posts  All Forums:Forum Nav:

Have you ever written a bad check on purpose? - Page 2

Poll Results: Have you ever written a bad check...

This is a multiple choice poll
  • 49% (131)
    No.... NEVER
  • 35% (93)
    Yes... with hopes it would not clear until payday (floating a check)
  • 12% (34)
    Yes... knowing I would *NOT* have the money to cover it
  • 0% (2)
    Yes... knowing a friend or relative would cover me if they saw the "bounce"
  • 1% (4)
    Other
264 Total Votes  
post #21 of 62
Quote:
Originally Posted by ShaggyDaddy View Post
I have written about 3 checks in my life, all around 9 years ago.

It astounds me that people still write checks, and barring really old people, I have only had bad business dealings with check writers, the only people who have ever written me checks, did so because they did not actually have the money.
I write checks for things that I want to have an easy-to-access receipt, like charitable donations. I can go online to my credit union's website and print copies of my checks for free, and all the details are right there...date, recipient, any notes I make. I also use checks for my kids' orthodontist payments and for their various lessons. I know you can use your credit card statement in somewhat the same way, but I prefer my checkbook and register to plastic. I may be a little older than you though. I have never written a bad check, and I've had a checking account for 25 years.
post #22 of 62
I can't remember the last time I wrote a check, everything is all internet or deirect debit these days. In answer to the question, I have NEVER written a bad check ever. Unless I have the $ I don't buy anything. (well except house/car mortgage)
post #23 of 62
I have written a bad check.

About 10 years ago, married for a year and with a new baby. We had no family help at all and it was either write a check and pray it did not clear till payday or not have food. Hard times. We did pay them and never needed to since. :

I still use checks from time to time. Not all bills can be paid online. Mostly though I use them when mailing friends or family money for gifts or helping them out when they do not have paypal.
post #24 of 62
I haven't ever bounced a check, though I don't write many anyway. But I must say that I have a copy of a bounced check in my wallet right now from one of our customers. We just lost $400 to this scum bag . So I will probably never bounce a check on purpose, simply because I know how it feels. But I do understand that **** happens, but it still hurts ,yk?
post #25 of 62
Quote:
Originally Posted by rainbowmoon View Post
this is what i thought too until I moved to New England. EVERYONE writes checks here it seems! A lot of places don't even take debit/credit cards on purpose. (ie; boycotting giving $ to greedy corporations)

You are very true, I moved to Maine 7 years ago and was stunned at how many places do not talke debit/credit cards. They just don't want to deal with fees, I guess.

To answer the question, 15 years ago was the last time I wrote a such a check, it was Christmas time and my ex did not come through with support money for our son's Christmas. So I went out and wrote some checks.

These days I purposely keep a cushion in my checking account so the chances of bouncing a check is slim.
post #26 of 62
Thread Starter 
Quote:
Originally Posted by sunflower.mama View Post
Ummm - you know it's a crime right? Why would someone come on here and say they committed fraud?

It's a annonymous poll.... no one has to come on here and admit to a "crime".
post #27 of 62
Quote:
Originally Posted by ShaggyDaddy View Post
I have written about 3 checks in my life, all around 9 years ago.

It astounds me that people still write checks, and barring really old people, I have only had bad business dealings with check writers, the only people who have ever written me checks, did so because they did not actually have the money.
Wow. I can pay my rent by debit card, but this is the first place I've lived where I could do that. Every other place has been cash or cheque, and most people don't really want to walk around with $1000+ cash in their pocket (even if they have a bank that allows a withdrawal that large - until recently, it was very hard to get one's hands on that much cash without a long lead time). I use cheques to pay for ds1's guitar lessons. I'll be using post-dated cheques to pay for ds2's preschool next year (that's at the request of the preschool). Cheques are still very common around here.
post #28 of 62
Quote:
Originally Posted by SmoothieMom View Post
I can't remember the last time I wrote a check, everything is all internet or deirect debit these days. In answer to the question, I have NEVER written a bad check ever. Unless I have the $ I don't buy anything. (well except house/car mortgage)
I wrote one once, by accident. I was subletting the basement suite of the house I was renting - totally aboveboard - the landlord knew the arrangement. I got the rent from the woman downstairs, by cheque. I wrote the rent cheque. The cheque from downstairs bounced...so did the rent. Fortunately, I'd been a tenant there for about 4 years, and the landlord had never had even the slightest problem with me, so it was easy to clear up...but I ended up paying his charge at the bank for depositing a bad cheque (I hate that banks do that), plus my charge for bouncing the cheque, plus my charge for having deposited a bad cheque...something like $50 in fees, in total.

I also came close a few times, when my ex was still stealing money from my account, and I hadn't twigged to what was happening. I'm astonishingly stupid sometimes, and honestly thought the mystery withdrawals were was bank errors. *sigh*
post #29 of 62
Quote:
Originally Posted by ShaggyDaddy View Post
I have written about 3 checks in my life, all around 9 years ago.

It astounds me that people still write checks, and barring really old people, I have only had bad business dealings with check writers, the only people who have ever written me checks, did so because they did not actually have the money.
Wow, I write checks all the time! LOL, maybe it's because I'm from New England, though I rarely write them in stores. It's how I pay all my bills, plus the cleaner and anyone who does work on my house doesn't accept credit cards... and it's an old house which ALWAYS needs work.

As another poster said, it's just a personal preference about the bills. It helps me keep track of my finances better when I actually sit down every 2 weeks and write a physical check and balance my checkbook. And as for it being a generational thing, I'm 29 and very techie: I just find it easier to write checks.

As for floating a check, I did it all the time in college, had no idea it was a bad idea. Totally clueless about financial stuff. Sometimes it worked, sometimes it bounced, and then I'd whine about the $25 fee. I'm sure I haven't done it since. I have very occasionally post-dated a check for someone that I trust not to cash it until the date (NOT a utility bill, but an actual person I owe money to for whatever reason, and who agrees to it.)
post #30 of 62
I'm in New England, and I tried to give a local store owner my CC today. She was all over that in a negative way. "Don't you realize we have to increase our prices to cover CC fees? We get charged for every CC transaction. Don't you have any cash?" Her husband then steps in and says 'Look, you're a nice girl. I've taken your check before, so I know you. We'll take your CC today if you don't have cash. But next time, try to not use a CC here. We're trying to keep our prices reasonable. Even if you pay your card in full each month, we get charged. I have to raise my prices when I have so many CC fees".

I was like... but I got the message. And it does make sense.
post #31 of 62
How funny about it being a regional thing. I didn't even realize stores still accepted checks... pretty sure all the restaurants we go to don't. I thought people only wrote them for bills if they ddn't have access to online banking, for some reason.
post #32 of 62
I write chcks a lot on Tuesday or Wednesday, knowing that they won't be presented to the bank until Thursday and with direct deposit the money is there by then. Besides paying some bills, that's the only time I use checks.

I've never actually bounced a check, but I overdrafted with the debit card once. Bank covered it with "overdraft protection" plus some fees.
post #33 of 62
How do you ladies pay for things at your kids' school? I write a few checks to their school each month. Lunch order, book orders, fund raising, field trip...etc. Two kids means twice as many checks written. We don't use cash and I don't think the school takes credit cards.
post #34 of 62
I voted No, but then I've never written in a cheque in my entire life (or owned a chequebook). Maybe there are regional variations, because down here, pretty much everything can be paid for via credit/debit cards or cash. All my bills (utilities, CC etc) are via BPay (a form of direct debit), any tradesman doing repairs on the house we own I pay via direct debit, we pay rent via direct debit etc. We get electronic receipts this way, so I can still easily keep track of where my money is going. Also, we get charged approx $2 per cheque by our banks, so it's not a cost effective way of paying for things.

I hate it when people give me cheques (grandparents, utilities companies etc) because then I need to make a special trip to the bank, whose trading hours are 10-4 M-F.
post #35 of 62
I floated many, many, MANY checks while I was with my Ex, who would drain our joint account of all money before I could pay the bills or buy food. Many weeks I would go around floating checks and writing them for over the amount to get cash for things I couldn't float checks for. Bad times. I haven't done that since I left that jerk.
post #36 of 62
I still write checks everywhere I go... grocery store, Target, etc. etc. Not for the bills because they are done entirely online and/or automatically. I don't have a debit card. Our natural foods grocery store actually requests that people write checks when possible because credit card fees are expensive for them.

I've never written a check that would be returned but we have an overdraft LOC in place. Sometimes if the timing is more convenient I will go grocery shopping or whatever before payday, knowing that if the check clears it will just activate our LOC and I can pay it back on payday. It only costs a few cents for me to do that.
post #37 of 62
I don't write checks in stores or to pay bills, and I've never even heard of writing a check at a restaurant, but I still use checks a bit, and I'm surprised others don't. Do your CSAs take debit cards? Do Girl Scouts or school fundraisers? If I need to get a permit, my town won't take a debit card, and when we lost a library book once, I couldn't pay with a debit card either. I dunno, it seems like there are lots of places/people that don't take debit cards.
post #38 of 62
Quote:
Originally Posted by UUMom View Post
I'm in New England, and I tried to give a local store owner my CC today. She was all over that in a negative way. "Don't you realize we have to increase our prices to cover CC fees? We get charged for every CC transaction. Don't you have any cash?" Her husband then steps in and says 'Look, you're a nice girl. I've taken your check before, so I know you. We'll take your CC today if you don't have cash. But next time, try to not use a CC here. We're trying to keep our prices reasonable. Even if you pay your card in full each month, we get charged. I have to raise my prices when I have so many CC fees".

I was like... but I got the message. And it does make sense.

Yikes! Hopefully you have a thicker skin than me, I would have slinked out of there with a red face and not gone back. I am easily embarrassed I guess.
post #39 of 62
I write a lot of checks. I'm close to 40 and DH is close to 50. We don't have debit cards because we don't trust the fraud protection on them. We do have credit cards. He uses his more for daily things than I do. I've never bounced a check.

I write checks for: school care - (weekly or monthly, depending on how much money I have), church offering (weekly), cleaners (every other week). For small things at school - field trips and such its usually cash. Most are $4-$10. I try to use cash and target and for household necessities and I try to take the cash out of my weekly operating income, but sometimes I can't and then I'll write a check to Target, a clothing store or the fabric store. I hate putting that stuff on my credit card. I use a CC for all gas because it's much easier, plane tickets, online orders and times when I'm shopping and ran out of checking money. That's actually rare but I find as a WOHM that time is more precious than money, so if the account is low, I'd rather put it on the CC than find time to go back to the store when I have money.

And DH and I are from NE, but we don't live there now.
post #40 of 62
I used to float them, but it started biting me on the butt. I've deliverately wrote them when I knew money wasn't in, but I had overdraft protection (the back paid the checks, tacked on a fee and my account stayed negative....that was to move on when we had no choice. We didn't get in "trouble" because the placed got paid, but the fees were insane.

Now I write 2 checks a month, 1 for rent and the other to my dad's nursing home (we share a bank account, his SS and VA money is deposited to it and I pay them).
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Have you ever written a bad check on purpose?