For me, the most terrible time of each month is the day our bank statement comes. We commonly call it BSS (Bank Statement Syndrome). I don't know why it is, but I have trouble getting the parsonage checkbook to balance with the monthly bank statement.
That ominous document intimidates me every time it arrives. After all, the bank's business is keeping track of accounts. They have hundreds, maybe thousands of accounts and I have just one. On the surface, it seems a rather simple thing for me to keep our checking account up to date, but I assure you, it is not. Every time I try, I lose interest.
Keeping our checkbook accurately balanced is almost like a circus balancing act; everything is up in the air. No matter how often I add those figures, I never get the same result twice. I have resorted to adding up the figures at least three times and then take the average. So far, I've been batting a .195 and have been dropped by the major league, which has lost interest in my career. This may satisfy my conscience but it does little to appease the accounting department of my friendly banking institution.
The thing flustering me more than anything else are those fees. The average bank has more fees than a West Virginia hound dog has fleas. Everything I turn around there is another fee. (I need to stop turning around.) Somebody needs to invent a fee powder.
Each bank must employ a stable of employees whose only job is to dream up these fees. How else can you explain it? These fees are creative enough to cover every aspect of a person's wallet, retroactive three generations back.
To open an account there is a fee. Each account carries a monthly maintenance fee. I have been paying this monthly maintenance fee for several years and I have yet to see someone from the bank come out and mow my lawn. What is this maintenance fee? What are they maintaining? They certainly are not maintaining my checkbook. With all the fees I am paying, I would expect someone from the bank come to my house, sit around my table, and help me balance my checkbook. I would supply the coffee and donuts -for a small fee of course.
Another thing I do not understand is the ATM fee. Why do I have to pay money to the bank to get my money out of the bank? Whose money is it anyway?
I think banks offer monthly bonuses to the employee who comes up with the most creative fee for that month to impose on its customers. Fe?Fi?Fo?Fum all those bank fees are dumb.
Once upon a time and far far away, banks would bribe customers with toasters or umbrellas to open accounts with them. Those very days are over, you can be sure. Now, I'm the one bribing the bank to keep my account with them.
Last week I slipped the cashier the usual quarter and asked her to make sure my deposit got in my account, please. I do not know whether it is bribery or just a gamble and probably would do better with the Florida lottery.
I would not mind it so much if only my checkbook would occasionally agree with the bank statement. It takes a lot of effort on my part to keep some semblance of order in my checkbook. I am not always as successful as I would like. I make mistakes and sometimes they cost me. At my bank when I bounce a $3.75 check, I have to take a second mortgage out on my house to pay the fee.
I would close my account and transferred to another bank that there is a closing fee, a transfer fee and a fee that has no explanation whatsoever. Just a goodbye jester from my bank, one last chance for them to screw up my checking book.
Some people think God should do everything for them. All they have to do is sit back and enjoy themselves and God will do everything for them. A prevalent attitude about faith supports this erroneous notion. Someone once compared this idea of faith as putting a "nickel in the slot and pull the lever" and you get what you want.
Some things in my life only God can do and I need to understand what they are and allow Him to do them. However, some things in my life God expects me to do. God will never do these things for me. I must come to grips with this distinction. If I don't, my life will be miserable.
Some people are sitting around waiting for God to do something He is expecting them to do. As they wait, they become frustrated and start accusing God of all sorts of sinister things.
Part of getting to know God is understanding this. What is my responsibility as a Christian? What does God expect from me?
An Old Testament verse puts much of this into perspective. After Solomon dedicated the Temple God responded by saying, "If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land" (2 Chronicles 7:14 KJV).
For the most part, many people are sitting around waiting for God to balance their checkbook when He has put the pencil in our hands.
Reverend Snyder is currently ministering at the "Family of God Fellowship" in Ocala, Florida. More of his articles are available for reprint at his website: http://www.godspenman.com/ Rev. Snyder is available as a guest speaker. He writes a weekly column and is the author of "You Can Always Tell a Pastor; But Not Very Much" available at: http://www.godspenman.com/
Brookfield limo Midway .. Lockport Chicago limo O’HareBudgeting. It's a word we're all familiar with. Everyone knows... Read More
Christians are called to be good stewards of God's resources.... Read More
Well, dang! From what I've heard and read, it looks... Read More
Before buying personal or business checks you should inform yourself... Read More
Those who keep a watchful eye on where their money... Read More
Super-mumsIt seems that the proof of maternal efforts is no... Read More
Frugal living is more than a lifestyle. It's a passion.... Read More
This investment retirement account (IRA) is useful to you as... Read More
In this age of information, keeping track of your finances... Read More
Things are so expensive these days. We seem to be... Read More
If you were to ask 100 women "What would you... Read More
Recently, many of these loyalty rewards programs have come to... Read More
Finding a stable and secure income that will come year... Read More
Get Access to Realistic profitable strategies & discover the mindset... Read More
Did you know that 43% of all married couples argue... Read More
On the other hand, there are those people who are... Read More
If you have a 401(k) account, it can be very... Read More
Address labels are many things to many different people. If... Read More
Millions of people give a lot of thought to financial... Read More
Here are ten steps you can follow to help improve... Read More
Today many women are struggling with debt and it's even... Read More
For most of us the process of getting out of... Read More
So, you've made the decision to apply for a credit... Read More
Most consumers are aware of the importance of their credit... Read More
Good money management needn't be difficult. In fact, there a... Read More
Medinah cheap limo ..Your food budget is the most flexible area of your... Read More
Are your financial muscles well toned and healthy or flabby... Read More
What is it about being frugal, why do it at... Read More
Sorting out your personal finances can be a tricky and... Read More
Ever wonder where address labels come from? Avery? is perhaps... Read More
One of the simplest ways to improve your professional image... Read More
It doesn't take much for you to get behind on... Read More
Have you ever stopped to think about how your "mood"... Read More
Doesn't it seem like the only impressive numbers we've seen... Read More
Here are ten steps you can follow to help improve... Read More
With a traditional Investment Retirement Account (IRA) you pay taxes... Read More
I've been sharing the following idea with people for a... Read More
Commonly referred to as the first of the three major... Read More
Between 15 - 20% of people in our country (UK)... Read More
With prices increasing all the time, saving money can be... Read More
Are you having problems with debt? Are you afraid to... Read More
Saving for a Down Payment is hard work, so it's... Read More
Many people graduate from college owing thousands of dollars in... Read More
Would you be interested in freeing up 10% to 15%... Read More
There have been an estimated 9.9 million victims on America... Read More
Whatever your reason for having a tight budget, the truth... Read More
Recent security breaches at several credit card companies continue to... Read More
ID theft is a major consumer concern, though there is... Read More
If you're like most people, your personal financial records are... Read More
So, you've made the decision to apply for a credit... Read More
Personal Finance |