Money Models

Hi, I’d love feedback on these models. I am not sure my C is as clear as it could be. And, is certain a feeling? Also how do I find more actions?

C: money in the bank
T: I can barely even pay my bills
F: inadequate (small, jittery eyelids and chest)
A: allow myself to overdraft, overspend thinking who cares or I won’t have the money later either so may as well.
R: I don’t cover all of my bills

C: money in the bank
T: I can absolutely figure out how to pay all of my bills with cash this month
F: certain
A: budget, earn more
R: I figure it out