Subj : Emerg. Broadcast Stations
To   : Nancy Backus
From : Barry Martin
Date : Sun Jul 05 2020 08:32:00


Hi Nancy!

<Credit cards and finances stuff>
 BM> And the credit rules sometimes seem backwards: if you need to borrow
 BM> money you can't get the credit to do so; if you have the money and
 BM> don't need to borrow money they pester you to borrow!
 NB> The trick is to normally stay on top of things, only buying what
 NB> is well within one's means, so that one has the margin to get the
 NB> less accessible needs when they arise.... and be able to make any
 NB> necessary payments on any debt that needs to be incurred...  And
 NB> then, when you have the money and don't need to borrow, not to be
 NB> sucked in by the pesterers... ;)

Yes.  Was reading the other day what the article classified as poor were
constantly zinged: if no bank account the person gets charged $7 
(article's number) for check cashing.  So to use easy numbers their $100
paycheck is now a little over $90.  Pay a bill by buying a money order,
there's a fee for that, further chipping away at that paycheck.  

OTOH I get money (interest/dividend) because I have money in the bank/ 
credit union, get free checking (and whine about paying for a new box of
checks).....



 BM>> I remember when the store switched over to direct deposit: no physical
 BM>> paycheck to symbolize payment of the work I've done.  Work work work
 BM>> and nothing in return.  Sure, the money was in my account, just I
 BM>> didn't get to touch it like with the paper paycheck.
 NB>> A different psychological/mental impact.... ;)
 BM> Yes: I was raised with paper so when "took that away" the link between
 BM> work and payment was gone.
 NB> That's when one needs to set up other ways of maintaining that
 NB> link mentally... whether between work and pay, or income and
 NB> outgo... :)

Right.  For me the handwritten entries in the journal seem to help with
that linking.


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.... Must-read books: "I Say So!" By Frank O. Pinion
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