Bouncing a check:
Financial stress may be the most common concern out there, and bouncing a check isn’t exactly the height of fiscal responsibility. But for those who go into a cold sweat every time they bust out the checkbook, keep in mind the penalty for bouncing a check typically isn’t huge—about $30 on average. To prevent a problem, ask the bank about overdraft protection, and consider switching banks if yours doesn’t offer it.
The “cash-only” conundrum: Most of us have been there: The check arrives and that formerly adorable little café turns into a nightmare—cash only?! First, understand the waiter or cashier probably sees this all the time, so no need to panic. Ask to borrow the cash from a pal or date and then immediately go together to an ATM to pay them back. If alone, ask the waiter for the nearest ATM and head there; plastic-free places are typically pretty trusting. In the future, scan the menu for a cash-only warning before ordering or check a review site like Yelp, which usually lists whether cards are accepted.
Paying the rent late: Paying bills can be a huge source of anxiety, especially when a late fee’s involved. But there’s no need to stress too much about forgetting to drop off the rent check before heading out of town. First, if the due date is a weekend or holiday, the check typically isn’t considered late yet. Plus, there isn’t an actual penalty for submitting the rent late for a while (the exact length of time depends on lease terms) after the due date. Re-read the lease for details about the grace period and late fee date.