I’ve got a short trip to NY for work happening at the end of the month. I’ve also orchestrated a mini-windfall for myself, thanks to the agency having a rather fab scheme that allows me to sell my holiday allowance. I need the mini-windfall to get our maxi-overdraft down to manageable proportions. Also, it’s TA’s birthday in October and I’d like to make an appropriately large fuss of him. These are both high priorities. The very highest. So why am I thinking about shoe shopping in New York? Is it thoughts like this that created the overdraft in the first place?