Last summer our mortgage lender offered me a credit card with 0% interest for a year. I jumped on this because our house needed such things as major appliances, shades to fit our non-standard-sized windows and professional refinishing to get rid of the acid burns on the hardwood floors. We had bought a house that had been foreclosed on -- while it was big enough for us, structurally sound, surrounded by trees and in a very nice neighborhood it had suffered some "cosmetic" damage.
I used the credit card, faithfully paid the minimum payment every month and just as faithfully deposited money in a savings account in order to pay the balance that would become due at the end of the year. I KNEW the date was 6/23/2009. I had it marked on my calendar. I went online to pay it this morning and discovered I WAS WRONG. The due date was 6/22/2009. I just paid an extra $84.84 because I was one day off!
The moral of that is -- pay attention! Double- and triple-check things! It is going to take a lot of frugality to make up for that $84.84.
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