When I was young, my parents introduced us to the concept of saving money.
To make it fun, they presented my brother and me with these cardboard money holders. Inside were half moon slots just the right size to securely place a dime.
Chris and I had such fun filling these up!
Then came the day our parents encouraged us to make a deposit at the bank.
They explained that the money was ours, and the bank would securely hold onto it until we needed to make a withdrawal.
Well, it wasn’t too much later that we visited the savings and loan to check on our investment.
My younger brother, who was probably around 6 or 7 years old, was none too happy when he was handed a few crisp dollar bills.
“Where are my dimes?” he asked our mother, panic rising in his voice. “And where’s the little book I gave them?!”
No one had explained to us that the bank might have offered “safe-keeping,” but the original form we remembered was not guaranteed.
Perhaps that’s where I developed my own distrust of handing over “my money” to just anybody.
Many a time over the years I’ve been known to mutter, “I’m this close to keeping my money under the mattress.”
So just try to imagine what a tailspin my brain is in over technology and banking!
It seems that lately every time I go to the bank to make a deposit, I’m asked if I have the app. Yes, I reply.
“And do you know that you can make a deposit remotely?” they’ll continue.
Good intentions, perhaps. But my nerves start jangling.
Things were only compounded recently when I realized I hadn’t received a bank statement in a couple months.
My husband, Ron, called me as I was going to request copies of the statement.
“You know, you can get on the app and see all the transactions and the balance,” he said, clearly attempting to help.
Great! Him, too?!
This is the man who didn’t even have a cell phone — or an answering machine at his house — when we started dating. And full disclosure, he retired his flip phone only last year and converted to a smartphone.
Now he’s lapped me and made up for lost time on all things digital?!
Thankfully, after requesting the missing statements and going old-school on balancing our account, I gingerly took off the proverbial training wheels and am learning to navigate said app.
I may never completely catch up, but the bumps and bruises of making the transition have — so far — required no band-aids or tranquilizers.
Fortunately, despite inflation and the tendency to worry over bills, I am married to a man who taught me that, “If your problems can be solved with money, you don’t have many problems.”
The Bible also contains wise advice on not placing more value on material things.
“But lay up for yourselves treasures in heaven … for where your treasure is, there your heart will be, also.” (Matthew 6:20-21).
Phyllis Moore is a speaker, author and former reporter with the News Argus. She also has a YouTube channel, Phyllisophically Speaking.