I screwed up

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We are so screwed. I don’t know how I did it, but I forgot to record a check last week. Not just a check, our daycare check. Which means that we had $300 less than I thought we had. Which means that when I paid our home equity loan payment (that was higher than expected) it was with money that we didn’t have. And every other little thing we bought was with money we didn’t have. And the $200 of groceries I bought last night was with money we didn’t have.

Our checking account is currently -$589. And I haven’t even paid daycare for this week yet. And who knows how many debit charges are out there that haven’t cleared yet – each with another $30 overdraft fee. We’ve got $300 in fees already just in the past 2 days.

I get paid on Thursday which should cover the negative balance, fees and daycare – but that money is supposed to pay our mortgage for July. Which we now can’t pay. We just spent the past 6 months dragging ourselves out of the hole that we were in last year and now I put us right back into it. And it’s all my own fault.
Excuse me –

I’m sitting here at work in tears – I can’t even concentrate. I am so damn mad at myself! Now I have to call daycare and beg her to let us pay her several days late. And it’s my own damn fault.

3:00 pm – update. We’re now at -$662… I did call our credit union and beg them to take pity on us and see if they could reverse even some of the fees. Unfortunately our financial mess last year caused a few overdrafts that they kindly reversed then, so I’m told that the chances are slim that they can help us now. Sigh.