History has a way of catching up, so it pays to live in the future.
That sums up not only the relationship I have with my credit card, but applies to many things in life.
Take the Newcastle light rail, for instance.
Launched this week with much fanfare and general positive buzz, it's a classic example of living in the future while all the whinging fades off in the past, and then waiting to see if history catches up.
Chances are it will if the tram keeps breaking down like it did on Wednesday, but that's why it is important to live in the future so you can deflect criticism from the present.
For the time being it's up and running and there's a general "gee whiz" about the whole thing that should hold off the naysayers until the next incident.
Hopefully not one involving a pedestrian or a bike rider or the NSW Audit Office.
Talking about gee whiz incidents, I had one this week when I got home to find a letter in the mailbox from my bank.
It was not my credit card statement as alluded to earlier, but rather a most unexpected and historic bit of correspondence from my bank apologising for repeated incidents dating back to 2012 regarding an account I set up for my kids.
Apparently we should not have been charged a $2.50 withdrawal fee for every first transaction of the month for who knows how long, and the bank was going to make good on it's mistake.
Now, I'm sure my bank would not have contacted me for such a thing unless someone with a big stick had given them a big whack to bring it to their attention.
Lord knows I've given the bank a big whack over the years via my mortgage, so bottom line, thank you royal commission into dodgy banking.
I never thought such a lawyer-fest would ever impact me, in a positive way at least.
Sure, I feared my super to tank, interest rates to go up and it to be harder to borrow money irresponsibly. But I hadn't seen much good coming out of it.
ScoMo had said it was a bad idea at first, and then a good idea. Then I'd heard all the war stories about dead people being charged for services they'd never received. Then I heard all the war stories about live people being charged for the same.
Then I watched the heads roll at AMP and NAB, and then I watched the eyes roll when mortgage brokers were hung out to dry as the supposed actual perpetrators of bad practices.
But ultimately I'd not expected history to catch up to the present in this way while living in a future that hadn't involved buying up bank stocks while they were so cheap. The financial markets had said the worse was yet to come, and based on the royal commission, I'd believed it.
But there you go, like Newcastle's light rail it appears everything's back on track and I'm going to get my $2.50 transaction fee back.
Now I just have to wait for the credit card monthly statement to arrive and find out what other areas of my past come back to haunt me.