I would do so much better with a budget and an organization book. This morning I dutifully paid the Visa statement in full, apportioned my HELOC and savings account. I mailed a cheque for our motorcycle insurance, and another for our mortgage.

I hid behind a cabinet to work on my binder at a coffee shop but a darling friend popped in and we had a chat. I have some hours to myself today so I can work on the binder.

Shockingly, for the past eleven weeks, although we have always had a balance on our VISA, we have managed to pay off the statement balance, incurring no finance charges. Today I saw we had paid over $700 toward a $440 balance from the month before, but we've also paid for new glasses as well.

Another surprise: when I received our renewed credit cards, I checked the expiry date on my useless credit card that I never activated, and it is five months from now. But now that a billionaire has come to the rescue of the ailing issuer, I am sure the issuer has no reason to ask me how it can make the card more competitive so I will use it as much as if not more frequently than my preferred credit card.