When I was younger my dad helped me set up a savings account with Chales Schwab and basically monitored it for me. When I lived at home I would deposit a significant portion of my paycheck each month. When I moved out and finally took interest in it, he showed me how it worked. Between my deposits and my bat mitzvah money, I had a nice and healthy savings account.
Living on my own and planning a wedding, I have started taking money out here and there for expenses (honeymoon, rings, etc).
Long story short, I discovered today that I was "borrowing" against stocks and have been paying $3 a day in interest for the past few months! I also have much less $ than I thought I had.
I'm so angry at myself for not being more responsible about this account and for not really understanding how it worked and how much money I actually had in it. Fi and I would have made some different financial decisions had I not been wrong about this... aka not attending a destination wedding in March, a different honeymoon location, less expensive bands, etc.
I'm sick over and have no one to blame but myself.... I'm sitting here at work trying not to cry and just needed to vent a bit bit to someone.
I know Fi and I will figure things out and it will be ok, I just am so angry with myself for not being more responsible with this account. I have never paid a credit card bill late before so I have never had to pay interest on anything. I'm usually so on top of finances that I'm just sick over the fact that I f''''d this up!