Stupid, stupid, stupid!
Wednesday, January 06, 2010
One of my goals for 2010 was to blog about my emotions instead of eating to deal with them, so here goes…
I checked my checking account this morning and I was negative $200. I had $80 in stuff clear plus got hit with 3 $34 overdraft charges.
I transferred the last $80 from my savings and am still short $120.
I left my boyfriend a frantic tear-filled message that I needed to borrow money.
After doing so, I remembered we set aside $500 cash we had gotten for Christmas, so I will just have to take $200 of that and deposit it, even though I was hoping to save it for a trip.
It is my own fault. I didn't pay close enough attention to what had already cleared my account, I just assumed everything had, when in reality a lot of things hadn't because of the holidays, so I was spending money I thought I had but didn't.
I am feeling guilty for being so irresponsible, and foolish for not paying more attention to my account. I also feel absolutely horrible that I have to take $200 out of our vacation fund to cover my mistakes. We weren't going to use it anytime soon, so I am incredibly grateful that this money was there for me to fall back on, but I still feel horrible that I have to use it. I plan on putting it back $50 at a time when I can.
I am a believer that everything happens for a reason, so maybe this was just the bold wakeup call that I needed to be more financially responsible, but I feel horrible. I just lost $120 for being stupid.