And so once of age to baby-sit I opened a savings account at the savings bank just up the street – with my mother’s blessing and approval. I socked away my earnings from that, and later from whatever tips I may have made as a CIT. Do you remember the “counselor in training” position from years ago when you got to take care of kids at a pool or a camp and not be paid, but have access to the areas, as well as to parental end of season tips? From there I worked every summer and vacation through college, and continued to save. In my first “real” jobs out of college on through my twenty-one years at Siemens having moved up the proverbial ladder to a well-rewarded and highly responsible position, I continued to save.
And it was a good thing because after being laid off from Siemens at the end of 2001 I began using those savings to support myself. Those savings along with the modest income I have made doing things that fill my heart, carried me through until the middle of 2011 – not bad, yes?!! Now push has come to shove and I have made my first request for a withdrawal of my IRA funds. And I’m okay with that. However, I have some significant bills to pay now (I owe the housepainter, and have asked the Curmudgeon with whom I will travel in two weeks to hold the check I gave him the other day), and have a tax bill looming to be paid on August 1st.
All would be well but for two things. First, I had not successfully reconciled my checking account for months – something had gone bump in the night and I could not bring myself to sit and figure it out. (It was Paul who wrote how we do the things we should not do, and fail to do the things we ought to do…Paul, I am you.) Today praise God, I have sat and figured it out; it was the figuring and the correcting (adding in missing transactions) which prompted my call to the Curmudgeon to please hold the check. Secondly, the form I returned to make the IRA withdrawal which should have arrived on Monday, June 27th in the Wellesley, MA office to which it was sent, did not make it until yesterday, July 5th. I only know that because I called the office to say I still had not received my check – alas that was because they had not received the form.
As a fiscal conservative, this is rather unnerving for me. I like to think I am more careful with my money and my spending ways. I clearly need to be more disciplined in my checking account records (oh, and by the way if you did not know, at Siemens I left as the Manager of General Accounting and Credit & Collection!!). The good news is that I will move through this and I will be more careful in the future. And I will make the request for IRA funds further in advance in the future just in case the USPS plays “gotcha” again! I know that I am fortunate to count myself among those with problems like this, and I AM grateful.