financial whoa's

I've overspent, between the Hawaii trip, the bike, and Christmas (we do the family Christmas when we get together at Thanksgiving, so my buying is loaded a bit early). Now, when I say I've overspent, what that means is I don't have as much of a cushion as I like:

• I still have $250/paycheck put in a 403b;
• I still save $222.22/month for my Roth IRA ($6000 annual cap for my age, divided by 27 paychecks this year);
• I still put $600/month into savings;
• And Regina saves part of the common money in various pigeonholes for things like vacations, insurance, and home repairs;
• And all my credit cards are paid off, not just every month, but usually every time I make a charge (although I batch all my weekend charges and pay them all on Sunday night or Monday).

What "overspending" means, in this case, is that I'm down to about a $100 balance in my checking account, instead of the $800-1000 I usually like to have there. I expect it will take another month or six weeks to get back to that. In the meantime, I've got to be a bit circumspect... but, for example, Regina & I will still go out to McCormick & Schmicks for her birthday tomorrow (oh, yeah, in addition to Christmas, Regina keeps her birthday in mid-November, as well).

I am lucky to have this kind of financial problem.