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Wages by Debit Card, how is this even legal?

Posted by moi on August 2, 2013 in debt |

Recently I read two different articles recently on how fast food workers, McDonald’s in particular, are being paid by debit card instead of an actual paper check.  It seems the reason they do this is because it is cheaper for the employer to do this rather than print checks.    While for some this sounds like an awesome idea because they do not need to have a bank account or if they do then it saves a trip to the bank.  For others, this is a complete nightmare.

These cards usually come with service charges.  Some charges seem rather normal like card replacement charges but according to this article, Fast Food Workers Paid With Fee-Heavy Debit Cards some of the charges can be absorbent.  There appear to be charges for general use, ATM withdrawal use and even inactivity.  That’s crazy in my book, use the card and be charged, don’t use the card and be charged!

Looks like the government it taking a look into this as referenced here Debit Card Pay: Extra Fees or Money-Saving Opportunity?  Since there’s been a lawsuit over this type of payment I guess I would want to know more about it too.  With all the fees associated with this type of card those working hard at their minimum wage jobs are being robbed pennies at a time of wages that could be best spent elsewhere.

A friend of my daughter’s works for a Wendy’s here locally.  She told me she was getting paid this way.  I told her about this article and she said she’d look into it.  As far as this 16 year old was concerned, she wasn’t getting charged any fees.  Turns out she is and her mother is looking into it.  I know I am glad to have the education and skill to be beyond this sort of a job.  This is just wrong in my not so humble opinion.

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Couponing, take it or leave it?

Posted by moi on February 22, 2013 in debt |

To coupon or not to coupon?  For me, I’ve been leaning towards the “not to coupon,” for the past few years.  Coupons are great to save some money while shopping.  I still use coupons when I see them on the shelf while shopping at my favorite retailer so I can’t go around saying I never […]

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Direct Deposit Disaster

Posted by moi on February 1, 2013 in debt |

Yesterday was payday.  A long awaited payday.  I’ve been employeed for a month with no money.  The day I’m supposed to actually get paid, nothing.  Turns out the paperwork I filled out the first day of work wasn’t filed.  It wasn’t just me, it was the other 2 guys in the office too.  Arg!  Its […]

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Illness does not become me

Posted by moi on January 30, 2013 in weight |

I don’t like being sick!  I ended up with an infection when a pimple went rogue on me.  They tested it and I had MRSA.  Woot, great.  I ended up at home 3 days last week taking antibiotics and painkillers.  Needless to say so glad to getting better.  My sleep was all off and my […]


You are hearby summoned

Posted by moi on January 25, 2013 in debt |

Are you kidding me?  Misc Medical debt decided to sue me despite a verbal agreement to pay them $15 a week while unemployeed.  I kept my end of the bargain and have faithfully been paying them as I said I would.  $60 a month.  One of the guys called me in December and had indicated […]


Slowly down the scale

Posted by moi on January 16, 2013 in weight |

Even after a weekend of drinking and eating poorly the scale still seems to be crawling in the downward direction.  This is good.  I’ll take a crawl down than a crawl up.  I could do a number of things to help it along if I’d just get my ducks in a row.  My shake diet […]

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