it’s a love-hate relationship for me and my credit cards. I love it when I get to pay them on time and get really nice perks like gift certificates and even cash backs. I hate them when something’s wrong and I miscalculate or pay less or miss a payment and having to pay interest. i really hate them when they miscalculate something like crediting my waived annual fee or even not agreeing to wave my annual fees. Anyways, i’ve been a good girl lately and i feel it paying off. it really pays off to keep track of debt because at the end of the month, i’m not surprised seeing my statements and not baffled as to where my money went.