This month saw the arrival of my second post-Christmas credit card statement. I felt rather pleased with myself opening it, because I knew that even though I accidentally spent about £1,500 on it on Christmas presents, I paid off the balance almost completely in the first week of January.

*looks smug*

So self-satisfied was I in fact, that I almost wanted to punch myself in the face.

My eye was caught though by the line telling me I had ‘£13,416 available to spend’.

Hmm…

£13,416 is quite a lot of money…

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