Baby Boomers in particular, though hardly excluding others—How
ya doin’ with managing your finances and household? I’m in the midst of purging
mounds of paper that have been stuffed in manila folders in hanging files for
years. Before marriage, this wasn’t a big deal. My life fit neatly in a rolling
file cabinet, accessible with a few flicks of my fingers through the labeled
tabs to find what I needed. Receipts, instruction manuals, tax documents,
credit card statements, bank account statements, etc.--not a problem.
However... NOW… it’s a different story. Marriage doubled all
the aforementioned stuff because Darling Husband had his stuff and a different
filing system, I might add, equaling “work” for me as the household
administrator. Finally, after a year or two of marriage, I got the blending and
purging and balancing and filing under control… until the babies came along…
BUT, Repo Man has never visited and we’ve always had heat, air conditioning, and water…
except that time when I was pregnant with Girl #2 and turned on the faucet and
nothing came out.
I assume having the administrator job is not an issue for
some of you, but for those of us who had parents born or raised during the Great
Depression who had to work very hard as adults to own a house and car, we were
taught to save and file… just in case.
Problem is: We have several times the amount of accounts, memberships and
material things that our parents had. Gone are the days when you pulled out
your ledger on pay day and wrote 4 or 5 checks for the monthly bills; which
brings me to the current.
My menopausal brain is on overload!
After clearing my office/den of everything to refurnish, I
refuse to bring everything back into it. Sooo… I’m working. What I have learned
is that over the years, the filing was happening, but no purging. And because EVERYBODY and his
mother have a web site nowadays, I can trash or recycle a lot of the paper.
You might ask, “Why
not toss “all” of the paper?”
“Well, because when I need to see what my stock is doing or
why my Target bill is so high, it’s
easier to pull the paper from the file than to go through my password list,
find the password among 100 user names and passwords, type it in, be told that
something is incorrect, try it 2 more times, get told that it is now deactivated,
go to one of my numerous file boxes, find the hanging file containing the specific
manila folder, locate the 800 number, call the company, have a new password sent to
my email inbox, go back to the web site, change the temporary password to another
password (because you can’t use the old one), scratch through the old password
on my password list, and write the new one down.”
I have passwords for everything from financial institutions
to phone services to grocery stores to retail stores to libraries to social
media to charities to medical services to eBay to utility providers to email
accounts, and more. Plus, I have a list of my children’s passwords and my
mother’s.
Passwords to online access can be a pain at times… but, I
still like it.
Another system that has caused a slight annoyance recently
is my online banking. Because of a bank merger or whatever, my bank forced us
recommended that we open a new checking account and decided that we wouldn’t
get a monthly statement. “Fine,” I thought, “The statement is online;” until I
noticed that it doesn’t name the payee of the checks we’ve written! The only
way that I can see who we wrote a check to is to individually click on a transaction
on the account screen that pulls up “one” check image. All other types of
transactions (debits, credits) name the payee. Hmmm…Tax time is going to be a
bear as I click on each check image trying to find that check to the Red Cross.
Do you think this is their way of saying, “Stop writing checks.” So now I’m
back to recording the check in a “paper” check register until we use our debit card
for EVERYTHING.
Online banking can be a pain at times… but, I still like it.
Got any gift cards under the junk in the kitchen junk
drawer? I found a few. I blame it on my children who don’t know the value of a
dollar. Anyway, thankfully, most gift cards have no expiration, however, when I
went online to find the value of one of them, it was $0. Hmmm… A maintenance
fee of $2.50 per month (What are they maintaining?) charged after a year of
inactivity quickly wiped out one of the kids’ Christmas gifts. Nice that they
have a web site for checking balances, however, a system to email the gift card
holder that they are getting ready to take the money away would be nice, too.
Gift cards can be a pain at times… but I still REALLY like
them.
And while on the subject of kitchen junk drawers, one of
mine is actually a semi-organized coupon drawer with a space for take-out
menus, one for retail store coupons, and the last for grocery store coupons.
There’s nothing like an episode of Extreme
Couponing to get me clipping. Too bad that I forget to take the coupons
with me to the grocery store 70% of the time. I’m better with retail stores.
So maybe those new 3-D looking scan images will become more
popular and I can use my recently acquired smart phone to take advantage of coupons
and sales. Hmmm…
Learning new features on my smart phone can be challenging
sometimes… but I like it and have grown to accept it as a potential addiction;
and that someday it will eliminate the frustration of forgetting my coupons.
Today, I found out that one of our service providers did not
get our payment that was paid with online Bill
Pay. The woman on the phone asked if I had proof that I’d paid, to which I
answered, “Only my online bill statement that I can print a portion for you.” She
said, “Nope, that won’t do.” So I paid the $27 again after she assured me that
they will refund me if they or I find the missing money out in cyberspace;
otherwise, I’ll be calling that 800 number again. I said to her, “Nothing is
simple.” She said, “That’s right.”
So yes, even with the annoyances, I’m all for the new
advances in technology, though I don’t know what effect it’s having on our
brains. My 80 year old mother is even on
board, albeit with her own learning curve going on. Last month, she was on facebook responding to a dead person
with a little pleasantry.
“Gotta check those dates Mom.”
How do YOU feel about
all the technology?