What should I do on Get Smart About Credit Day? There are quite a few options really. I could have a chat with my bank about how best to curb my spendings, or start putting money aside in that mini cash ISA I’ve had for years, or even just stop buying so many damn sweets all the time!

What do I do instead? I lose my Samsung Galaxy S II on the bus.

Having blocked the device, been told by the bus company that there’s no sign of it and logged with the police as missing, I immediately (within 150 minutes of losing it) had a brand new S III in my possession. Warranty? Nope. Insurance? Nope. Credit card? Yup. £500? Oh, yes indeedy.

Get smart about credit? Pah! Worst. Timing. Ever.

 

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