It worries me that people other than me have to be mad at me for the state of my finances. I'm almost twenty-two years old, and I know for a fact that I'm a lot smarter with my money than quite a lot of people. I've made a few mistakes, and this time I'm overdrawn because I was paying off the rest of my cell phone bill. It can't get any worse, and it can't stay like this. It can only get better. So don't try to help me, don't try to lecture me; I know when I mess up and I know how to fix it, and I know how to keep a good attitude about it. If you worry about it too, it just makes it worse. Everything's OK, I just stumbled a teensy bit. Watch it get better.