Slightly off-topic observation about society not necessarily geared to you but your unfortunate circumstance has reminded me:
This is why you keep a register in your checkbook and write down all your purchases that come from your checking acccount - including both debit card purchases, check purchases, PayPal type stuff that comes from your checking account, etc. Hell, if I buy something on my debit card, I put the receipt in my wallet and at the end of the day write all the amounts down in my checkbook. If somebody doesn't cash your check or delays in withdrawing money for whatever reason, that doesn't mean you "have" that amount in your checking account..
I'm "only" in my mid-20s but this seems to be a completely foreign idea to my friends and people my age. I seem to be the only young person I know who does this. I've been doing this since I was a teenager and have never bounced a check, overdrawn my account, anything of the sort. It's always kind of puzzled me that people seemingly younger than the baby-boomer generation don't do this. My friends always have to check their bank accounts online to see "how much money they have" but it's never accurate because not everything withdraws instantly and so they are constantly overdrawing their accounts and getting NSFs. It's just amazing how much hassle the seemingly outdated/obsolete check-register has saved me over the years.
+1 if you wrote a check, that money is already spent. it's funny how some think if the money is still there, the people i wrote the check to must not want it.