2. do you have a "cushion" in your checking account so mistakes aren't as big of a deal? if you don't mind sharing, how much is the cushion? I have one, and it's $2000 - and I'd like to put some of that in a higher interest account but for some reason, I'm neurotic about going below that amount. I don't have a mortgage or much of rent (I live in the basement of my fiancé's parents), so my monthly bills are less than $800 or $900. Is it necessary to have that much "extra" in there or would it be better in an account where it will earn interest?
3. are you constantly stressed about money? because i am... and i wish i wasn't. my parents always were when I was growing up even though they had no need to be and I think that's part of why I am.