Should I deposit my money toward a negative account balance or just keep it?

I checked my bank account balance recently to find that it's past -$200. I guess what happened is that I didn't realize how low it got and it once it got into the negatives the next few transactions came with a $25 fee, causing my balance to quickly get lower and lower into the negatives. I haven't been

I checked my bank account balance recently to find that it's past -$200. I guess what happened is that I didn't realize how low it got and it once it got into the negatives the next few transactions came with a $25 fee, causing my balance to quickly get lower and lower into the negatives. I haven't been contacted by my bank about it, so I don't think I'm in trouble. I'm 19 and live with my parents (who can't help me financially beyond groceries) and so I don't have any ongoing expenses I have to pay, so my plan has been to save up what I earn (I'm a freelancer and my income isn't consistent) until I pay back what I owe and then work up from $0 balance.

That said, I was given $50 for babysitting today and I realized that if I deposit it it will go toward my owed balance, but it will also leave me without any physical money at all. I want to repay what I owe ASAP before I get in trouble, but I do have some upcoming college expenses that I'll need to pay for myself and I'm worried if I don't have money for THAT then I'll be screwed.

My question is, should I deposit the $50 now toward what I owe or keep the money for safety and just save up the rest of my earnings going forward? Thanks for any advice.

Best Answer:

QB: I would check with your bank. Chances are once you're in overdraft, you're going to keep incurring a penalty for each day that you have a negative balance. That means that you'll need to get that fixed ASAP or you'll end up owing more money in the long run.

Other answer:

QB:
Deposit it so you stop getting fees for negative balance. Learn to set up and live on a budget including setting aside money for emergency expenses.
?:
you could negotiate them waiving the fee in exchange for you depositing money to bring your account t a positive balance. If not just wait until later to deposit money and enjoy life.
Bob:
You are going to have to pay that money one way or another so deposit it and learn from your lesson
Judy:
Pay it – or you might find it real hard to get another bank account
Literal:
They will start to charge you more and more fees. Pay it off as soon as possible.
Thereem:
Keep
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