massive unexpected expense

Well, my lack of financial planning have resulted in me not having a cushion to cover an unexpected expense.

in this case, we had to replace our cable box, which is going to set us back just under 500$

with that, plus having to pay for my mistake with my cell phone - about 300$, I have basically given myself a headache for the next 6 months, as I will have to pay in installments.

I really wish I would stop making my life more difficult . . .