I am now, for the first time in my life, officially in debt to a financial institution. I have just rung up my bank and asked for an overdraft. It was very frightening and I had to take a few deep breaths to get through it, but I managed. The worst part is that I will have to make sure I do not get fired this month or I will not be able to pay it back and the bank will track me down and shoot me in the legs. Naturally I am always trying not to get fired but seeing as there is now an actual life and death reason for not get fired...I'm concerned.