Why I may have sympathy for men with million dollar offices.

February 12, 2009

You’d think that I’d learn my lesson, but I managed to overdraft my checking account for the second time in a month.  It makes me mad at myself because I prided myself on being in tight control over my finacial life (maybe one of the only areas really.)  The problem is that the job I have now literally pulled me back onto the finacial cliff.  I did not have enough money to pay my November rent.  But it also marked the first time in 3 years that I was back to living on a paycheck basis.  I lived two years being paid in big chunks and then I lived off the savings of the big chunks.  And about 3 years ago I stopped using my checking account.  I’d pay my bills out of the chunk, I’d make purchases on my credit card, then pay it off in full at the end of the month from the chunk.  While I was working I alway had the big chunk and it was plenty and more.  In fact I managed to save about a third of what I made that got me through the year.  But as that chunk started running out I started to carry a balance on my credit card.  Which I don’t like at all.  So now that I’m working again and living literally paycheck to paycheck (which are luckily enough) my chunk mentality is still getting me in trouble.  My expenses have gone up at least as much as my salary from the last time I was on the tight biweekly pay. Stupid grocery costs plus internet plus about $1000 more per year in rent.  So that control  I need it back.  But some things are hard to learn and when you make money mistakes you literally pay.

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