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I've never been good about keeping track of money. I usually just know how much is in my checking and savings account and how much is on my credit card. I've always been fine. Well, a few days ago, I decided to stop this. I paid off my credit card with the mindset that I'd start fresh with my next paycheck (on the 15th) and start with a budget, keep track of my spending, save more, etc. Well I checked to make sure everything went through ok tonight. It didn't. Turned out my grandma hadn't cashed the check I'd written her yet and did it after I cleaned out my checking and savings (above my min. balance) to get everything ready for my new start. So now I have to borrow more money and fix that mess which will throw off my first months budget... Why did I decide to be good with my money again?