Some things I have:

• a full-time job with a good income
• just over $20,000 in personal debt
• great credit nonetheless
• some counterproductive neuroses about money

In other words, while on paper my income should slightly exceed my expenditure, in reality, I usually spend at least the last few days of my pay cycles living off my credit card. Of late, that period has been extending itself, which is doing me a concern.

Continue reading “On money and failure: a budget emergency, but not that kind of budget emergency” →