phantom money

When you have money in your bank account, but it can't be used because you are waiting for a bill to post from an automated payment. This usually causes frustration because you want to go on a shopping spree with that money.

I have $1000 in my checking account but I can't use it because my car insurance is due and its $850. Stupid phantom money!

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cougar factor

A measurement of the potential an older woman has for cougar-like behavior. This can increase with age as a woman reaches cougar status.

"Thanks for coming to this bar with me tonight, this really decreases my cougar factor." Older woman to younger woman.