I thought my bank account was looking a bit healthier than it ought to be. There were a few unreconciled transactions in my accounts software back from February as well, but I just assumed that I’d paid them on Visa rather than on debit card as I’d thought. Then there was the cash withdrawals that weren’t showing… how odd. Perhaps I’d duplicated something somewhere.

My statements were only taking up one page a month as well – wow, finally got my act together and curbed my spending a bit. Fantastic.

Then I realised that the new debit card they gave me 3 months ago was actually for the joint account not my every day checking account. I’d cut up the wrong debit card and was gaily emptying the joint account instead. THREE MONTHS!

Have sheepishly phoned up the bank and asked for a new debit card. They reassured me that this sort of thing happens all the time, but I still feel pretty stupid.