Is it true that the older you get the more careful you become?
Well, if it’s not, the older I get, the more careful I become.
Let me set the scene; a great restaurant, excellent food and a bottle of spicy full-bodied wine.
However, I shift a wee bit in my chair as the bill approaches and regret my somewhat glib offer to “get this one”.
Well, it was Father’s Day and I can’t think of a better dad than mine, so treating him to dinner was the least I could do.
But obviously I had to invite my mum too, so a bill for two grew to a bill for three and that all-important choice between paying by debit card or credit card becomes a win hands-down for Mr Visa.
Another win hands down for Mr Visa, as it goes.
I realise it was a financial decision to a certain extent; was there £94 in my bank account that I could spare?
But more than that, I’m always aware that something could come up when I’d need that money.
Things like restaurant bills and new dresses are all perfect for a Visa intervention.
I know we’re in a depressed economy, but it could simply be that things like this are just putting off something that’s a bit uncomfortable until a later day.
That awkward phone call, a visit to the dentist, cleaning the bathroom – these things have no financial implications, but we’d still rather not face them there and then.
I know some people prefer to get these things out of the way and make responsible financial decisions, but me and my plastic are think-about-it-tomorrow types.
If it was good enough for Scarlett O’Hara, then it’s good enough for me.