It sounds like you LIKE the punishment, or most of it, making it a reward or something that is neccessary. Almost every sub, at times, thinks they don't get enough attention from their Dom. You don't need a reason to recieve a spanking in BDSM.
If you went to meet your Dom, with your journal of wrongs, and he was to look it over, then decide that you had made little progress. He felt a stronger punishment was needed to bring you into line. You get that excited/scared feeling waiting for him to announce the new dreaded punishmen. He lets you know that he is ONLY doing this for your own good.
He tells you to put your panties back on and there will be NO MORE spanking/paddling/caning UNTIL your credit card debt comes below a certain level. At this point YOU can decide if you're looking for a disciplinarian, someone(anyone) to feed your fetish, or a Dom, who will give out both rewards and punishments.
tj