While I am trying my best to scrimp and save, invest and grow my wealth, it is subtle yet “shocking” sometimes to fin that easy money was slipping out of my hands. By that, I refer to penalties and fines for not doing or committing to some actions on time.

The most common types of overlooked payments are credit card bills. You get slapped with a late charge and interest charge penalties each time time you forget to pay by the due date; the longer the delay, the higher the slap. One might be lucky once or twice in waiving it, even banks have a certain level of tolerance and you put yourself in bad light as well as an awful credit history. This gets called up especially if you were to seek a loan not just from one bank but all banks, as your records are logged with