The banks and the money

One of the biggest problems here is that many people pick up all the money immediately when it arrives. The behavior is absolutely wrong, because it always comes back to the fact that the bills are not paid and then you receive reminders and payment requests, which then cost you money. The white piece of paper you get when you make a bank transfer is not a receipt, it’s just a piece of paper. Whether the money of the transfer was actually transferred, depends on whether the money is in the account. If something has not worked out, you can tell by the fact that the account states a minus and then immediately after that a plus on this transfer. Of course you should notice at the latest that something is not right, if you get the letter of the chargeback from the bank.