this is a clear and simple bug that we have fixed.
in the 1994 version, when you were given a warning, a flag was set. this flag was stored in memory ONLY, and not in the save file. once it was set to true, the only way to reset it was to restart the executable or get a game over.
you could save your game on the 29th, get a warning, reload, and get a game over. you could also save on the 1st, after receiving a warning, then restart the game and get a second warning the next month. heck, you could get a warning, start a new game, and if you overspent, get a game over at the end of January.
the only way to trigger this game over scenario "normally" was to play through two consecutive months with a negative balance in a single play session.
we simply changed the flag from a memory-bound global variable to a value in the save file.