So in December I made two payments to a credit card due to 1.) a change in our pay frequency and 2.) upcoming tax season of having no spare moment to actually look at bills and pay accordingly. So I made an extra payment so I was always a payment ahead.
So the next month (aka The Start of the Tax Season of Hell), I make another payment but it's like $5 short from what I thought the minimum was. No biggie because I just made a 2nd payment at the end of Dec. Then the next few months, I pay $10 over what I think is the minimum because I can't even get a gd meal in throughout the day much less track down bills. It isn't one of my debts I'm actively paying down, so I'm just paying around the minimum until I pay down the other stuff, a little more than the minimum and I'm good, right?
FUCK NO! THAT $5 HAS EFFECTIVELY FUCKED ME IN THE ASS. I'm so mad. I'm always so good with this shit, but fuck, fucking work and fucking bullshit and no time to fucking breathe much less log into 20 something accounts and check to see what the exact dollar amount is for blah blah bill, etc. It was to the point a few times this tax season where I had scheduled bills for the following month and that was the only thing that saved me since I didn't even get a chance to log back into my bank until the payments after that were coming due!
So right now my minimum is somehow over $100 on some little bullshit credit card we haven't used in months because I was charged a $25 late fee on $5, then the next month the minimum was higher by the $25 late fee and I didn't know it, so I paid the regular amount. And so on and so forth.

:'( Hopefully if I explain it and they see that there was an extra full payment made in there, they'll wipe the late fees off, but our credit is probably already fucked. They haven't tried calling us, mailing us anything, nothing. I just get my little stupid email saying my bill is ready with no info, and it isn't accessible by smart phone AKA IT DOESN'T EXIST DURING TAX TIME.
