Plastics and savings!

My debit card has gone spoilt and the horrible bank that i bank with has not reissued it as yet!!!!! Result?I have made considerable savings since last two months!!!!!!!!! Cant go to ATMs and can't swipe my card for shopping anywhere...Blessing in disguise..

Plus i refrain from keeping too many credit cards! Since i have a natural aversion to being charged a high amount of interest for being lazy and imprudent, it so happens nowadays that i do not have any plastic money but am getting richer on real money part! What an irony!

When it comes to financial planning i must be the dumbest lass around! Am trying considerable nowadays to make up for this part of myself..I hope i will do something good to myself...
But on second thoughts when i look at the wall street management i get some solace for my dumbness too !!!!!!!!! If the so called most of the efficient and sharpest financial managers in the wprld can land up in such mess, is my dumbness that big a shortcoming at all!!!!!