To whom it may concern;

In the month of September I had an unusual amount of overdrafts. This is not typical, and I am in the habit of managing my checking more efficiently. This was not a typical month, and I had used up my savings cushion for my earnest money check.

There were a few purchases that I had made in error, and due to some personal circumstances, I had not been online those days to check my balance. Normally, I have a savings cushion to transfer from when I reach a low balance. I plan on replenishing my savings with the remainder of my earnest money.

Sincerely,

'Cushion' can be a noun or a verb:

'She sat on a cushion.'

'Having a good job will cushion you from the worst effects of the recession.'

Cushion = Kissen

a beanbag is a soft cushion a beanbag is a soft cushion a beanbag is a soft cushion