It was only a few years ago when we were using various year long 0% balance transfer credit cards to move various wedding costs around - saved us about £700 in interest and cost us zilch. Those were the days I tells you.
A good money management skill is to lock your money away in a money market or investment. I keep a local emergency fund but the balance of my money in several brokerage accounts, it would take me atleast 3 days to transfer it to my checking. You would not believe how many impulse purchases I've avoided because of those 3 days.
So you boys invest anything? I purchased some ARM stock last year and its done okay. Nvidia kind of took a crap on me. Hoping it picks back up! I got some pref shares in ARM too not included in this portfolio. A couple of good mining companies are on my list of to dos. You must Invest to make money, instead of buying some snazzy headphones I wanted, I purchased the ARM stock last year. You have to see buying stock as a nice treat..
I have a lot invested in secured funds which don't return much. One of these days I'm going to move it around.