...my guess is you owe money.
But I know a lot of co-workers that are in that situation. One came by my office to talk about the $3,000.00 she had just spent on camera equipment. The next week she was talking about how she was so broke she had to borrow money from her parents to buy a tank of gas. The kicker is that she knows how to handle money but she chooses not to.
Her motto is, "I want it. Gimmme!"