Nothing like waking up in a jolt due to finances

[aruth]

I just woke up in a sweat because in a period of light sleep, I realized I had paid $50 on my cell phone bill with my debit card last night, and I only had $40 in my checking account! I've had so much trouble with overdrafts and having insufficient funds...and financial problems overall in the past year, so I was freaking out. The thing is, I knew I had the money to pay the bill, but I didn't think about how most of the money was in my savings account rather than my checking. So my account automatically transferred $15 to my checking, and everything was okay.

PHEW!

But now I'm wide awake after 4.5 hours of sleep. Ew.