I spend too much money, it's official

So, today I went to pick up the car, which has been in the shop since September 2nd. For those of you who keep track of such things, that's 74 days. In addition to the repairs, the insurance company also paid $30 for each of those days that were "storage." (Presumably, before they approved the cost and not during the actual repair period, although I wouldn't be surprised nowadays.) That was a whole ordeal unto itself... After renting a car to get there during their business hours, I get there and the receptionist tells me that it's not ready. I inform her that she's mistaken, because my husband and I both spoke to the guy in charge of our car yesterday. She tells me that all of them are in a meeting, have a seat and she'll let me know when they're back. Of course, Charles calls them and asks for the repair guy, and he's sitting near his phone. He says go out to the body shop. So I go to the service area where you check cars in and out, they direct me how to get there, and the lady that's there tells me that it's still up on the rack but okay, they can get it. It hasn't been washed yet, I tell her I can wait. So she pulls the file on it, and it says to collect about $400 more than what I'm prepared to give her. Apparently, they had additional damage approved by an adjuster who went out to re-examine the car, but I haven't received that check yet. Want to know why? Becuse it hasn't been sent. Anyway, that was an interesting adventure. In the end, I got the car back because our insurance company faxed over a copy of the check and talked to someone who knows stuff at Ford. I start it up, and the low fuel light comes on. I actually haven't asked my husband yet, but being that his accident was when he was about to get onto the freeway, I have to assume that there was gas in the car when he took it to the shop... Anyhow, luckily there was a gas station across the street. Anyhow, car's back. After picking up the car, I went to Enterprise Rent-A-Car next door to return the car that I had rented to go to the place that had our car. Well, he tells me that in NoHo they put a $300 hold on my bank card, rather than the traditional $300 charge and then a refund for the un-used portion. That would actually have worked better. However, since they had put a hold on it and I had paid for gas and the car repair on my bank card, when the guy tried to charge me the $118 that the rental ended up costing, it was declined. I didn't think much of it, actually I thought that it was probably deemed out of my norm to pay the same car rental place twice on the same day for different amounts, and one of them in a city I've never spent money in (except for at the dealership). So I asked him to try my Capital One card, which I made a payment toward this morning but if that payment hadn't gone through I would not have had enough available credit for that transaction. Well, it went through. I then drove home, went to have lunch, and then went to the Burbank mall, where I planned to make a $64 purchase at Bed Bath and Beyond. My bank card got accepted at the restaurant, but declined at BB&B. Strange, I thought, I just used it... So I said oh well, put it on my other card. That also got declined. (So either they let me over-draw it at the car rental place, or they didn't let me use available credit at the store, depending on what time they processed my payment.) So I call the bank, figuring the Capital One card a lost cause since either of the two options I mentioned wouldn't be a plus for me making my purchase. The first phone banker person says maybe my magstrip isn't working right, there's no reason why it wouldn't have gone through. She transfers me to the ATM department people, and that phone banker says that Enterprise put a 2k+ hold on my account, and that's why it won't work. That puts me over my limit for the day. However, this banker claims that there's a $500 ATM/debit limit and a $3,000 credit limit, and that I'm over one but not the other. He says run it as credit, it should work. Upon thinking about it further now, I realize that the exact amount he told me Enterprise put on hold is the amount that I spent at the Ford dealership. Unless there's a really improbable coincidence here, whereby Enterprise decided they needed a security hold 8 times more than they normally charged and it was the same amount it took to fix the car, he must have skipped a line when reading it. If Enterprise did in fact put a hold of $300 as they verbally told me (or $250 as it says on my slip) and Ford charged me the $2k+, then I'm still under the $3k daily limit he quoted me. So I go back in the store, go back to the same line I was in, but another register opens up and they move me there. So I explain to the new cashier what happened and that I just spoke to the bank and she said to run it as credit (it automatically runs as debit unless they tell it otherwise). It declines again. So I call the bank again. This new person tells me that I've exceeded my limit for the day, period. I ask if there's anything I can do to make this purchase and he says I can write a check. (Lot of good that does me, if I don't carry cash because I've gone to plastic-money-mode, you think I carry checks?) I go the restroom at the mall, then on the way back toward the exit, I ask someone if there's an ATM. I'd call the bank and ask them if it should work, except I don't have reception inside. So I'm directed to the one ATM in the mall, inside the arcade. I get there, and it's dead. I've convinced myself it wouldn't have worked anyway, sour grapes ya'know? Good thing I wasn't at a fancy restaurant after I ate, or stranded on the highway trying to get roadside assistance. (Maybe this is why women typically go shopping in packs? I'd bring my husband along the next time I want to spend more than $3,000 in one day, but someone has to make the money so I can spend it!) We had in the bank (after two tanks of gas, lunch, the car rental, and the car repair) twice as much as what we pay for rent, and there was no way to access it until 12:01am. I was pretty determined at that point to get the items I was trying to buy, but I think they would have kicked me out of the store before then. So there you have it, my grand waste of several hours of my day, all because I spend too much money... And I still haven't figured out how they claim I spent $3k... *starts counting on fingers*