Life hit me today with the first big whack in the teeth to tell me I was right about this year’s focus being The Year of Taking Control. I mentioned in my first 2016 post that my spending was out of control, very possibly a bipolar symptom. Well, today was the due date on my credit card, and holy shit, there wasn’t enough in my checking account to pay it.
There should have been, but the New Year’s holiday made a hash of things. All the automatic debits that normally come in around the first hit today, but a regular payment that also usually arrives on the first did NOT, and without it, I was short. By $700.
Tomorrow I’ll probably have that money. But if I’d waited until tomorrow to pay the credit card, I’d be charged interest on the entire balance.
I was able to transfer money from another account – one I didn’t want to touch! – to cover the bill. But I felt shocked, sick and horribly guilty. I knew I was screwing up for the last few months, but not that it was this bad. Continue reading