I just stumbled upon the R.C. Willey bill I've been panicked over. Not because I bought the gorgeous bright red microfiber sectional I wanted there, but because I need to pay off the more-expensive-than-we-thought-it-would-be brake job I financed on 90-days SAC.

The truth is I don't have enough money to pay it and the VISA bill due two days after Christmas (that's what comes out of my meager paychecks--along with the car payment and my tithing).

The statement has been coming to me for the past two months and I didn't even notice the error. Given my current life events I never would have caught it--I would have just overdrafted in order to pay it off.

So this evening I am grateful that sometime since the last statement, someone from Big O Tires happened to notice that they had overcharged me to the tune of three hundred dollars and they bothered to correct the bill.

I think I should be able to just manage the current balance now.

A tender mercy indeed!