So, I’m not renown for my ability to manage money well. In fact, those who know me would probably be able to pitch my financial skills as something around the level of ‘hopeless’. It’s not really living beyond my means, it’s that I just don’t take enough care of my finances.
I should care more, but watching my parents struggle and save all their lives, only to have my dad die before he retired, it seems a bit difficult to care that much.
But I don’t want to drag Kathryn into my money pit, so I’ve been trying to sort them out a bit. Part of which was transferring some of the vast balance from the main credit card to a succession of low or no interest rate cards. These cards then lurk in the house and don’t get used. At least that was the theory.
To give you an idea of how bad I am at managing money, I didn’t notice that one of the balance transfers didn’t go through. In fact, I think that both of them haven’t gone through. I need to look back at my statements but I think I’ve been paying interest on money twice. Cunning, eh.
Thankfully, AmEx noticed that my other card never cashed the cheque. The good side of this is that I get to, somewhat suddenly, pay off a big chunk of the debt. I’ve got the interest payments back from AmEx too, so I’ve only paid the one huge amount of interest. But it’s somewhat frustrating.
Still, it means I’m in a better financial position than I thought…