I had a roller-coaster week. I got some money out of the ATM, and I had a surprising amount of money in my account. Sure enough, two days later, I got my credit card bill. Between travel, fieldwork supplies, and a large unexpected charge (hey, sometimes the car needs something), I owed $7,000.
I admit that I don’t keep especially close track of my money. If I’m in the field for more than a week or two, it’s not always easy to keep up with expense reports. So I get my money back all at once, and it’s like Christmas.
I have friends in consulting who live paycheck to paycheck. I always make sure to have a decent cushion – I have no idea how they juggle their finances so closely.