Short Term Memory Loss

I'm so upset right now I can barely stand it. J.J. has been stubbornly holding on to paying the few bills he's always been in charge of paying. One is my Citibank card that I use for work expenses (and which, recently, I used to cover my root canal). So there's not a huge balance on it, and the payment's only like $20 per month. Well, due to the short term memory loss, J.J. forgot to pay it this month, and now I've incurred late fees, a ding on my formerly pristine credit report and my interest rate has been jacked up to 30%!!! I know I should have been monitoring J.J., but damn. I can't keep all the balls in the air all the time.

Worst of all is the cascade effect this will have as other creditors find out what's happened. I'm anticipating a movement toward high interest rates all around.

And I'm a financial planner, mind you. Don't you want to come work with me now????

I'm so ticked at J.J., both for not admitting he needed help and for not taking care of himself in the first place.

Stroke. It's the gift that keeps on giving.