October is here — this month marks colder weather, Halloween festivities and a brand new MyBankTracker contest!


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In anticipation of Halloween, we want to hear about your worst money nightmare and how you solved it — you could win a $100 American Express gift card! Contest ends Oct. 31.

Here’s how to enter:

1. Tell us about your money nightmare. What happened, and how did you overcome the problem? (Responses must be a minimum of 200 characters.) Leave a comment below or on our Facebook page.

2. Then, follow us on Twitter or like us on Facebook and you’ll be automatically entered!

* Must be 18 to enter. Must reside within the U.S.

We look forward to reading your responses… good luck!


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  • Cliff Wrangler

    My nightmare is my bank screwing up my mortage and messing with my home, even though we away make the right payments. I always check my statements to make sure this does not happen.

  • addrienne

    Flip houses or rent them we’ll show you how with other peoples money.. It costed me $7500 to cind out i cant do it at all.. Still paying that off 6 years later zippy573 AT netscape DOT net

  • ctak

    Hey Cliff, that definitely sounds like a nightmare — especially since it wasn’t your fault!

  • I was laid off after 8 years at the same job. Two weeks later my husband was let go from his job. We couldn’t even pay our light bill or cable. We ended up nearly in foreclosure until I found a job. Just 1 month ago my husband finally found one too. 2013 has been the absolute worst and scariest year for us ever and we have been married 28 years.

  • Sandy Klocinski

    I was single and pregnant with no health insurance. I went to the state and they asked me what I did with all my money from my minimum wage job. I thought I was going to drown in medical bills. They finally did give me assistance – but I hate having things hanging over my head like that! They also said I didn’t have to return to work until the baby started school. No way I was living like that for 6 years. I went back to work when she was 6 weeks old. Things worked out fine but it sure was scary at the time.

  • Stephanie V.

    worst nightmare and my money nightmare – cancer on horrible self-employed high deductible insurance. yes, happened and drained everything we had – and then some.

  • Rachel Travis

    MY nightmare is having our debit card stolen before we realized it!

    rachelmarietravis at gmail dot com

  • Kimberly Deallovingrandma Stcl

    I had an ex who constantly spent money without giving thought to bills, I worked multiple jobs to compensate for it…then to solve the problem, I divorced him/

  • nickie burke

    Worse nightmare being laid off from my job. It happened a few years ago. Luckily my husband is BIG on having a rainy day fund. It saved us, we always try to have a surplus.

  • llinda29

    I was young making small money. I could not afford anything. I got a better job finally.

  • bhjustice

    Another company just purchased the bank we have been using for more than 4 decades. I dislike uncertainty, especially concerning financial matters.

  • Tari Lawson

    My worst money nightmare occurred when we started going to look at colleges with my son. I had put a little money away for his college expenses but when I found out the cost of tuition at the universities he was looking to attend I was shocked. We have managed to figure out how we will cover the expense but it is not without great sacrifice.

  • Amity J

    Not catching fraud on my bank account until three months later..was all refunded but boy have I learned to pay more attention to my statements!

  • Alicia Bridenbaugh

    My worst money nightmare was when my hubbie lost his job. We had a one year old and was in the middle of building our home. We had to pay rent and a mortgage payment for a house we weren’t living in with no job. We took any odd job we could get until my hubbie found a new job in a different field. Needless to say we did a lot of praying too. We also refinanced our loans.

  • prismperfect

    When my husband and I first moved in together 12 years ago, we only made about $6000 that year…one time he went to the ATM to get out $20, and forgot it at the ATM! I know it doesn’t seem like much, but to us at at that time it felt like we lost $200! We’re better off now but I think he learned his lesson 🙂

  • michelle colon

    my worst money nightmare was having no cash for gas, nothing in the bank account and maxed out on credit cards! So I went down and gave plasma for 25 bucks, worked over time for two weeks and paid off all my bills!

  • lee

    being very heavily weighed down by credit card debt. i put every spare penny and got another job to pay it them off.

  • blueeyeleo

    Husband lost his job and he spent all day and the next hunting a job and got one it didnt pay as good but we just cut back on some things.

  • Stephanie Larison

    My employer mixed up my social security number and I wasn’t able to cash my checks until it was straightened out. Thankfully my husband had just started his new job, so we were able to squeeze by with 3 days pay on his first paycheck.

  • Jessica Gengler

    My biggest money nightmare was when we could not sell our home in FL when we moved home to TX. We could not even get a contract for a short sale. We ended up giving up the deed in lieu of foreclosure, which was much better than foreclosing. Thankfully, we had a great bank that worked with us to make the situation as bearable as possible. We are currently working on rebuilding our credit so we can buy a home in the future.

    Twitter: @JessicaGengler

  • Colleen Fitts

    I am sure that my worst financial nightmare certainly no more or less traumatic for my family than someone else’s nightmare was for their family. My husband is a disabled veteran from the Gulf War era, but because the final injury that took him out of work forever came from his New York State highway employment position we have to deal with workman’s compensation for his medical treatments.The doctors agree he cannot live in upstate New York during the winter months so we relocated to Tennessee. The problem with this is there are no doctors within Tennessee or the adjoining states that will treat him under NYS Compensation and because he has coverage for his injuries through them we cannot use my insurance to pay his medical bills. This means we travel from TN to NY every month for his treatment.
    Fall of 2008 we were in New York when his veteran’s compensation payment arrived in the mail and we need it deposited to get home, so I sent explicit instructions to our youngest child (he was 18) to deposit it in our account so we could use it to get home. An hour later I received the text message saying he had endorsed it and deposited it in the night deposit box in front of the bank, just like i requested him to. Knowing the money would be there Monday when the bank opened we headed home from his doctor appointment in New York to Tennessee.
    On Thursday of that week I received an odd envelope from the post office in our mailbox. It was blank on the outside except for my husband’s name. When I opened it I broke down in hysterics as it was my husband;’s compensation check. I couldn’t even speak, I knew we had spent almost $300 to get home plus our bills that come out automatically, our mortgage and insurance. I had our older child drive me to the bank to see if there was anything I could do Doing quick in my head math, that left me less than zero dollars for the month adding in all the overdraft fees and it was only the fifth.
    Thank heavens for nice people at our bank! After Miss Jody was told our son had put the check in the night deposit box at the sidewalk and not the one attached to the bank she refunded all the overdraft fees. It was hysterical at that point to learn it had been put in the post office’s night deposit box. I was so mad I still could not speak. We signed up for direct deposit of his benefit payments.

  • won

    My worst money nightmare began in 1996 with a diagnosis of brain cancer for my then three year old daughter. I navigated single motherhood and a full time job while keeping up the best I could. Things were never easy- but they weren’t impossible either.

    And then in 2003, I was laid off from my job. I was on unemployment which needless to say made many things impossible. That being said, we still had a roof over our heads and we had each other. Fast forward another year, and our world was about to rocked to it’s core. Olivia (my precious daughter) was given the worst news. She had only a short time left to live.

    At that point, things began spinning out of control. How could I manage all the specialists, trips to hospitals in other states searching for cure, and ultimately hospice and a funeral for my eleven year old? Honestly, I don’t know how I did it. I was blessed by an overwhelming amount of support from our community, and that helped a great deal. But expenses always seemed to trump cash available. And then Olivia said she wanted to go the ocean. Who in their right mind would say no to such a request by an eleven year old girl? Not this mom. We went. And Olivia passed away a few weeks later. I have no regrets about spending money we didn’t have in that instance.

    Here it is 2013 and I’m still reeling from the financial hit. But it does nothing to rival the emotional hit and the hit that Olivia took on her life. I keep that in perspective and just keep doing the best I can do. Some places have worked with me, others have been abrasive. It doesn’t matter. It is what is, and as I’ve told a few of the more abrasive ones – I can’t give you what I don’t have.

    Wendy T.

  • Thomas Chappell

    My money nightmare happened around my birthdays in may.The company We were working for went under suddenly , this is about a month before our son was due. We are still working to over come it. I started a blog that is slowly moving along and She has another job in her field.

  • Mishia Mck

    Last Halloween, I went to buy jeans and my card was declined.I checked my account and someone had made $1500 in purchases using my debt card in a different state. I was devastated as I am a college student who has never been out of California.That was all the money I had. I had to call the Arkansas police department as well as the store the card was used at. My bank closed my account and I had no access to my paycheck for over a week. An investigation was initiated and everything was cleared up on my end, I had my money back in 2 weeks. I was so relieved!

  • Kyhere Here

    This goes back to when I graduated college in 1982. I’d never had a credit card so I applied for all of them to look and act grown-up. Well of course, I was quickly faced with mountainous interest charges. So I responded sequentially by paying the minimum on all but 1 until I paid 1 off in full. Then I moved to the next. For decades, I’ve paid my credit card balance in full – I learned that lesson.

    ky2here at msn dot com

  • Kyhere Here

    New twitter follower ky2here1.

    ky2here at msn dot com

  • Daniel M

    becoming homeless, hasn’t happened yet but the future looks bleak

  • openmind101

    My money nightmare was when my mother got sick and we lost our home because she could no longer work. I just wish I was old enough back then to have helped her somehow.

  • susan1215

    Our worst money nightmare is when my husband was laid off when his company was sold. I was a SAHM so he we were living on one income. We didn’t have much in savings. We overcame it by cutting our expenses, no cable, driving only when necessary, no going to eat, no vacations and we only bought essentials. I was able to get a part time job and my husband was hired for a temporary position. The good new was his job turned into a permanent position. This taught us to keep an emergency fund.
    s2s2 at Comcast dot net

  • Tanya White

    I once gave a $50 tip on accident, oh my I decided to take all 5 kids all under the age of 12 to dinner by myself, when the waiter came to take the check I did not pay attention to the fact I gave $100 bill instead of $50 bill because the kids were arguing amongst each other, I told him to keep the change. He said “really?” I said yeah its yours. Not until I got in the car did I realize what I did. That was the most expensive burger and fries we ever ate and from that point on I made a rule never to take all the kids by myself and to always pay attention when I spend money. That $50 was my gas money I budgeted for the week.

  • brmetcalf

    My nightmare was the year my husband was injured at work and couldn’t work for 2 months and I was almost 9 months pregnant and there was very little money in the bank. It was a tough 2 months money-wise until he went back to work, but he was home with me and the new baby for a few weeks and that was nice.