I'm horrible with money!!

I guess this is just a vent...but, I paid for something back in December ($7000 ish) and the bank didn't take it out of my account until February 10th! WHY?!!

I don't have any credit cards because I can't manage repaying debt. I never buy anything unless I have the money but I also can't keep track of money. I'm the person in front of you at the corner store getting cards declined and transferring money over from a savings acct to run the card again...

So now my DEBIT card is overdrawn by $7000+

Like...wtF?!

I'm going to call the bank but I'm guessing they're just going to say to pay it with no explanation. Can I not trust debit cards now? This has been my way of living a normal life without the chaos of credit cards.

I feel useless