Definitely off track.

A few things are awry right now. The most damaging thing is that my rent and my big credit card payment both come out of one check. My check is big enough for that but there is nothing left for gas, food, necessities. So I have had to dig in to my emergency fund. That made me feel hopeless and I spent money on things like the $6/bottle anti-cavity mouthwash I kind of need but have been doing without, junk food, restaurants, etc. My saving grace is a somewhat healthy tax return which I can use to finish my emergency fund, pay off the small B of A loan, and leave enough cushion to float through those 1st of the month paychecks. Now I am done typing as I have to hunt and peck due to cutting my fingers quite badly whilst trying to make soup with a hangover.