How come?

How come I got endless errands to run???!!?
Maybe everyone has the same problem but then mine seems one after another. Initially was the stupid line of credit (dont know what the hell was that) charged me an annual fee of $60 then never pay they sent me a late charge of $60 so added up to $120. I didnt even use the service of course I wouldnt want to pay. I called them up but the person said I cannot cancel like that, must write in! Stupid leh then cannot fax must post. The address was so damn bloody long! Anyway... I took a couple of days to settle that coz got to get envelope, buy stamps...
Thereafter, I received an insurance annual fee stated that they will deduct $$$ from my GIRO this month. That policy I bought for my mum so I called to cancel it. Who knows they told me I have to go to the bank to do cancellation! Sigh.... it took me another week to settle this. (I dont have time, really...)
Another letter stated that one of my bank account for deduction of my insurance was empty (yah yah I am broke!) so SICK! Hence today I went to three banks. One to settle the cancel of GIRO, two to throw in cheques to transfer $$$ to the respective bank. What the heck! I open so many bank accounts for what!!?!???!!?!?!?!
Still got a few things pending for me to settle. AI YO very busy leh!