Complete and up-to-date details of all our bank accounts.We should spend time reviewing the records or Bank Statements, noting the flow of funds into and out of those accounts. This will include the amount of money and the dates of the transactions; it will also specify if they are regular transactions. Especially, take notice of the use of credit cards, and guard against unpleasant surprises. If we overspend, and do not have enough money in our account to pay the credit card bill in full, then we’ll have to pay interest charges. If we plan well and be alert, we can avoid any unnecessary extra bank charges. Question: According to the passage, when we overspend and do not have enough money in our account to pay the credit card bill in full, then we’ll have to pay interest charges. This will cause unhappiness.