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The shame is mine.

A month or so ago, I forgot about an upcoming payment and ended up $500 short. Since then, I've been playing catch up. This last week, I mistakenly paid the rent into a utility account. I was able to get it refunded, which would take a few days. This meant my account showed two different figures. One was the amount sitting in the account that was unavailable to me, the other was the amount that was available. For some reason, I thought the amount which was unavailable was in credit - this is not a mistake I usually make. Most of it, in fact, was in debit. So, I went ahead and borrowed from Peter to pay Paul on a few things I really did not need.

This morning I received a big shock when I looked at my bank account and found the money sitting in there as unavailable had been cleared and suddenly my available money was over $500 less than I was expecting. On top of this, I had the debit from the other account which I'd been 'borrowing' against the money I thought was credit in my main account.

So, now I'm over $600 short of what I was expecting to be.

My shame lies in two things. That my talent for personal book keeping has failed me for a month now, and that, once again, I've been living beyond my means.

There is no excuse for either. What's more, I have now proven the argument that the more you earn, the more you spend. I was so pleased with myself that I was able to save money towards things we needed, and now, I'm broke!

For the next week my budget is $22 a day. Which means Dave and Luey are going to have to tighten their belts as well. I need to get back in the black, and big time. Besides the fees which are looming large (thanks so much for the long notice schools - you'll want your money straight away but won't let us know what it is in time to budget for it properly), there is Christmas in just five weeks time.

Damn it. I was going to do so much better than this!


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