Here is my other revelation, and yes this one should have been obvious. I'm not going to get ahead financially by playing russian roulette with my bank and losing. I don't have credit cards, because I've gotten into debt spending what I don't have and now I'm doing the same with my checking account. I spend 14% of my income last month on bank fees or overdraft fees. That's ridiculous. No more ... I didn't realize until I started budgeting and really tracking. There's no way my bank should get one RED CENT from me - let alone 14% of my income. That's insane. I'm going to keep tracking well, if I don't have it, it won't be spent. I'm not going to "hope" that things don't hit the account before I get paid. This is all stupid, I know, but that's how I was doing it. Just another way of spending what you don't have - which is what I got myself in trouble for with credit cards.
We could really use some groceries right now ... however I don't get paid til tomorrow, so we will make due with the few things we have. I'd like to live the life I want someday - get married, have kids, buy a house, get Josh a truck he can actually use - and none of that is going to happen pissing my money away.
