Friday, April 11, 2014
These are some of the odd things I have to deal with when visiting the world of money and finance. Imagine trying to do business at a bank, but you lack tax returns for the last several years. Then you gather together alternative records to prove you actually have an income and the lack of tax filing is truly legal. Just for grins and giggles, try and explain a budget that has almost nothing for utility bills and extremely low fuel bills. Then there's the fact my income is tiny, but I've a home on a lake. Let's say that you once had all this stuff sorted out with a local credit union, but they were bought out by a bigger institution.
These new people don't know me.
Last summer I had to deal with the new owners while trying to sort out my finances so that I could travel all winter. It wasn't pretty, but I cobbled together something that worked. Some things that could safely be paid automatically were put on autopilot. A few things were handled on-line while traveling. Once in a great while I even sent out the occasional check through the mail. Sometimes it took weeks, but eventually my snail mail caught up with me. That is, if I've actually got it all now.
Now that I'm back I'm talking to these business people in person. I always have better luck in person. I'm too big throw out of an office. My goal is to simplify my finances even more, and to have it done before the end of the summer. With that goal in mind, with any luck, I should succeed by Christmas.
Some people get excited about money. I'm not one of them. The pursuit of little green pieces of paper or numbers on a bank statement doesn't interest me. Unfortunately, that's how the world works so I have to make at least some minimal effort to work within (or around) the system. Apparently those financial people want to at least pretend to care about all this crap.
If they really understood I was all about, they'd probably no longer be working in finance, so I've got to be careful. They have to be just educated enough to allow me to do the things I want to do, but no so educated that they run off and live in a cave in the desert. The balance is a delicate one.