My husband is completely freaked out right now.
I just informed him that, until the FSA money hits our account we have $8.15 in our checking account. (We have almost $1200 in outstanding FSA money, problem is that since it’s automatically issued back to us I’ve never tracked how long that takes to get in to our account… one week? Two? Crap!) Payday is on the 4th, so it’s not like we’re destitute for long, and we do have credit cards so it isn’t like the children will go without milk (and there is a bit of emergency savings – but I’m really bad about replenishing that when I dip in to it). The worst part was when I told him that there is $30 left in his ATM account, and then he’s empty until payday. (Which is not a big deal unless you take in to account that he’s going to the Bronco game this afternoon with a friend and they are having lunch before hand.) A look of panic crossed his face! I’m sure he’s upstairs right now checking all of his coats and pockets for extra money.
Is this the first time this has happened? Sadly, no. But, usually when I find our account this low it’s because I’ve paid bills the night before payday and I know when I wake up in the morning things will be fine again.
Sometimes we just spend too much money during the month. Like almost every single December! And, this year we found ourselves in need of using up a large sum of FSP money (the tax free money you save out from your paychecks to pay for medical expenses not covered by insurance. Plastic surgery? Sadly not eligible or I’d be much better looking). Dental appointments, eye exams (glasses use up a huge amount of FSA money! Yea!), chiropractor visits for Husband. Of course, I wrote checks for all of this stuff! Of course it came back to bite me in the ass! Of course I won’t learn my lesson from this!
Oh well. Stuff happens.
Happy New Year!