Am total idiot. In figuring out debt solutions for this month, I forgot one vital expense that has to get paid Or Else: My car insurance. God damnit. I can dip into my savings account to cover it (it doesn’t come out til next week), but that means I need to cancel the haircut & fixing of the badly grown out streaks that I had scheduled if I want to stay fiscally responsible.
Argh. THIS is why I suck at financial planning: I suck at thinking.
One of these days, I will do a proper budget, I swear. This is not one of those days.
Doesn’t sound like you suck at financial planning to me. IMHO a savings account is like a safety net or emergency fund. Hey, you HAVE a savings account.
Just a warning, if you bounce two payments with ICBC they make you pay the whole amount up front. I know this because it happens to my clients. :( And yes, at least you have a savings account. I have very little saved, just a line of credit.