Overcoming the Guilt Associated with Mismanaged Finances

I'm no stranger to financial slip-ups. When I was in college I had my wrist slapped by the bank for overdrafts ... 17 times to be precise. 17 times—a bit excessive? Well, yes. But it wasn't a typical situation. Here's what happened:

I had a fairly low account to begin with but then an unexpected automatic fee took out close to the remainder of my funds overnight. The result? My total account balance fell to $3.12. What came next was an unfortunate series of 99 cent iTunes purchases, 14 of which garnered a 35 dollar overdraft fee.