I had to borrow money from my Emergency Fund last week to pay for my contacts. I have to wear a toric contact lens because I have an astigmatism. Because I have to wear a special contact lenses, they cost alot more than usual; even with my vision insurance.
I failed to plan for this expense so instead of putting the $300 on my credit card, I borrowed the money from my Emergency Fund. To punish myself for the poor planning, I had to pay myself back with interest.
When I fail to plan for purchases and I have to borrow from myself, I need to make it hurt. Since I borrowed $300, I was required to put $400 back in the account. Borrowing from myself is much better than borrowing from a bank and paying interest for the priviledge.
I paid myself back today so I no longer owe myself any money. I won't have to send anyone to break my legs for nonpayment.