My accounts need that! I've gone over budget in virtually every category this month--so far I've spent $447 more than I'd budgeted for. (I don't need to spend much if anything for the rest of the month, so I should end the month about $500 over plan). That's the bad news.

The good news is that July's budget was really restrictive (since I'm living on savings at the moment), and that in fact, I'm spending less than I usually do, particularly for food. A semiannual car insurance payment, a large car repair bill, and an unexpected veterinary bill added hundreds to my expenses beyond what I'd planned to spend.

I'm putting a bit on the credit card and borrowing a bit from my mom to make it through the summer. I hate having debts but they'll be gone by year's end, and I'll be launching an aggressive savings program once the paychecks resume Sept. 20th.