February 4th was a good day. It’s the day my best friend, Crystal, got married.

It’s also the same day of the month my credit card is due. Which means I schedule a payment that takes my checking account down to $5.

Why? Two reasons:

1.) I value paying my financial commitments over keeping some for savings (at this point in time)

2.) I know I can always make more money (‘There’s more where that came from’ mentality).

I had my financial plan…credit card payment scheduled, cash to pay my part of the hotel for the weekend and cash to pay the lady who did my hair. I was set. (Oh, and cash for coffee! ☕️)

Until…

One of my besties forgot her wallet and needed someone to cover her hair and make-up.

No prob, I can help. (I’ll just float it on my credit card, I thought to myself).

That works for the lady who did her hair but the makeup lady only takes debit cards.

Sh*t!

I look at my bestie and say ‘sorry, I can’t do that,’ burning with shame.

…

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