Tomorrow is wonderful payday! I look forward to every other Thursday with giddy anticipation and sometimes a little urgency. Many times, when that day is about to dawn, I am running low on funds. I start to feel anxious that I forgot to record an expense, or EFT, and I will overdraw my checking account. I have backup in case that happens, my bank will automatically move money from my savings to my checking or my emergency fund to my checking for $2 a transaction. Provided I have the funds in my savings accounts. As a last resort the money will move from my bank-issued credit card to my checking to cover the expense. This has only happened to me once, but I worry nevertheless.
I don’t really have the worry this week because there is money left in my account. How the heck did that happen?
Granted, it isn’t a lot of money. I am slowly building up a reserve in my checking so that I am a month ahead in my expenses, using YNAB. This may take several months, but I like the feeling! I should get further ahead in September, my three paycheck month.
This living paycheck to paycheck thing bites and I am just a little more closer to reversing that trend!