By RAHN ADAMS
MORGANTON, N.C. (Aug. 16, 2019) – When the preacher prompted me to promise, “For richer or poorer,” almost 37 years ago, he wasn’t kidding.
Ever since we retired three years ago, we’ve been cutting back on just about everything, learning to do without many of the things we had taken for granted during our working lives when regular paychecks were coming in.
It used to be that I didn’t even bother balancing our checkbook; I just glanced at the account balance whenever I hit the ATM for cash. If that balance was within a few hundred dollars of what I thought it should be, I wasn’t worried.
Right now, some of you are horrified. How could I have been so blasé about our personal finances? Others of you are asking, “What’s a checkbook? And how do you balance it?”
Well, now I balance our checkbook (a rectangular, pocket-sized, plastic- or leather-covered pad of printed bank forms that are filled out by an authorized account holder and traded for goods or services in lieu of cash). When the monthly bank statement arrives in the mail—yes, the old-fashioned way, not on a smartphone app—I go over it in detail to make sure everything agrees, at least to the dollar.