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The Watercooler
phefftt.....if I just opened the mail
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<blockquote data-quote="Marguerite" data-source="post: 330540" data-attributes="member: 1991"><p>Steely, in your case I think depression is a major factor. It makes it very easy to feel overwhelmed and so you take the short-term course of action that makes you feel better - for now. Every envelope with a window in it is scary, so you bury it.</p><p></p><p>husband has set up spreadsheets for all our transactions. So it's not just bills, but receipts we log. Because you cold be losing money too, by not claiming stuff on insurance. Or you could be losing money with unexplained credit charges whichh can easily slip by people who don't double-check.</p><p></p><p>We log all expenses, all receipts. Even the groceries which I pay for with credit card, get logged. Then when the bill comes in, we compare it to our spreadsheet. For every item on the bill that is also on our spreadsheet, we change the colour or tick a box. That way we can know roughly how much credit we have left. It also helps us know if a cheque hasn't been presented.</p><p></p><p>Medical expenses - some of it we can claim, some of it we can't. What we can't claim gets tallied up and used in our tax returns. Keeping it all together is really useful.</p><p></p><p>Opening the bills - it's not fun, but if you can view the process of matching purchases you already know about on the spreadsheet, to the statement when it arrives, view it as a puzzle, then maybe it makes it a bit easier to open it up.</p><p></p><p>Whatever you do, you need a system. The computer can help, even if it's only to keep track of it all.</p><p></p><p>The fact that you're having this trouble tells me you need to share this info with a therapist. Let THEM worry for you (they may then be worried that you won't pay their bill!)</p><p></p><p>Marg</p></blockquote><p></p>
[QUOTE="Marguerite, post: 330540, member: 1991"] Steely, in your case I think depression is a major factor. It makes it very easy to feel overwhelmed and so you take the short-term course of action that makes you feel better - for now. Every envelope with a window in it is scary, so you bury it. husband has set up spreadsheets for all our transactions. So it's not just bills, but receipts we log. Because you cold be losing money too, by not claiming stuff on insurance. Or you could be losing money with unexplained credit charges whichh can easily slip by people who don't double-check. We log all expenses, all receipts. Even the groceries which I pay for with credit card, get logged. Then when the bill comes in, we compare it to our spreadsheet. For every item on the bill that is also on our spreadsheet, we change the colour or tick a box. That way we can know roughly how much credit we have left. It also helps us know if a cheque hasn't been presented. Medical expenses - some of it we can claim, some of it we can't. What we can't claim gets tallied up and used in our tax returns. Keeping it all together is really useful. Opening the bills - it's not fun, but if you can view the process of matching purchases you already know about on the spreadsheet, to the statement when it arrives, view it as a puzzle, then maybe it makes it a bit easier to open it up. Whatever you do, you need a system. The computer can help, even if it's only to keep track of it all. The fact that you're having this trouble tells me you need to share this info with a therapist. Let THEM worry for you (they may then be worried that you won't pay their bill!) Marg [/QUOTE]
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phefftt.....if I just opened the mail
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