Not having enough money can throw you into a pit of financial anxiety. But the opposite can be true too. Yesterday, I panicked because we appeared to have too much money.
If that sounds like an enviable problem… Well, it is and it isn’t.
The problem is that we have too much money in the secondary checking. It’s where we keep the money to pay various bills throughout the month, so too big a balance signals that I’ve forgotten something.
So imagine my freakout when I saw $2,000 in the bank instead of the usual $300ish. I desperately scanned the transactions in the account to find out how I’d screwed up.
The good news: No major bills were missed.
I did, however, forget to transfer Tim’s SSA check into the quasi-escrow account. Between that and the electric bill — which is apparently getting taken out later than usual this month — that explained around $920 of the extra moolah.
Another $180 is money we put on the credit card this week. I’ll be making a payment in a day or two. And tonight/tomorrow I’ll be transferring the next weekly lump sum in. That’s another $390 explained.
Still, that’s $740 in the bank, which was baffling and, despite my knowing better, a little panic-inducing.
But then I realized we have been spending less.
Tim hasn’t been eating much fast food (actually, much of any food) since his old dentures still don’t fit very well. That’s meant more groceries but fewer $6-7 value meals.
Also, the last three weeks have been rare respites from multiple doctor visits each week. That saves a fair amount, even with the relatively low $25 co-pay we have.
And Tim’s pain has been worse lately — especially the last five or so days. On Tuesday he could barely close his left hand. Add in his eczema flare, and you’ve got a very uncomfortable fellow.
This has the counterintuitive effect of making him use fewer pain meds.
When you’re at that stage of hurt, the best the medication can do is take the edge off slightly. So you try to just lie down and sleep. If you manage to doze, you’re less conscious of the pain.
Not to mention that the eczema flare is slowly getting worse. He should be able to hold out til his dermatologist appointment on the 12th. But for now he itches even more than normal and the rashed-up spots* are tender.
And since he’s hungry, exhausted and in extra pain/itchiness, we haven’t done much lately. There aren’t any movies he wants to go see. We can’t go out to most restaurants. And at least at home he can control how much padding he has to sit on/against.
So we’re spending less. Yay?
I wish it were under better circumstances, but I am happy about maybe having a bit extra in the account at the end of the month. Of course, this entire post could be one big jinx so…
Have you guys ever panicked over too much money in your account? Has your spending ever been lowered by something negative?
*Those being a 2″ strip from the crook of his right elbow up across half his chest, the crook of his left elbow, around both armpits, a bit on his neck, a 1.5″ by 3.5″ spot on his front right abdomen and a 2″ by 4″ spot on his right lower back. For newer readers reference, this is still only a minor to moderate flare by our standards.