It required some effort to get myself relaxed enough to finally achieve sleep last night. Just before bedtime, I had gone to my chequing account online to transfer over enough money to cover the shortfall in that account for the monthly mortgage that could possibly be automatically debited from the account as early as today, but certainly no later than Monday.
I felt that I ought to be in relatively good shape afterwards where that savings account was concerned ─ it is an account where I am finding it more and more necessary to shelter money that I have taken from the chequing account to put it out of reach of my wife.
She has taken the liberty of withdrawing several hundreds of dollars at a time from the chequing account, and letting me know thereafter, promising to replace it in several days' time.
The problem with that, as I have now discovered, is that there is so very much activity with the chequing account that I am unable to keep track of just which are her withdrawals and which are her make-up deposits. Often her make-up deposits are done in partial amounts, so it quickly becomes impossible to tell just where it is that she stands with her debts to the account.
Up until a few years ago, she used to deposit her paycheques into the account, but she no longer does that. The only money that goes into the account on a regular basis is my monthly pension income.
Yet my wife continues to tap into my pension as if it is still a joint account ─ it is, of course; but in name only. She no longer contributes to it.
She works part-time and thus has her own income, but it is never enough. And I have to suffer the consequences.
I thought that I might be in good shape this month because due to my age (I am 72), my RRIF (Registered Retirement Income Fund) started paying out a year ago on a quarterly basis, and the payment this month was the largest yet ─ over $500 beyond my usual pension.
Consequently, I thought that I was comfortably ahead of the game where the mortgage was concerned despite some Christmas withdrawals ─ you see, each December, a good part of my pension is paid to me a few days ahead of Christmas, whereas the usual pay date is sometime in the final few days of any month.
So although I did start "spending" my monthly pension somewhat earlier than usual last month due to Christmas purchases, I knew that around the middle of this month that quarterly RRIF would be coming to the rescue even though heretofore it has never even been as much as $400.
Thus, discovering that it was over $500 was an enormous comfort, and I even started considering buying a thing or two for myself.
Well, last night I discovered that I was going to have to put all of that extra pension ─ along with other money in the savings account ─ towards the monthly mortgage coming due. And I had over $1,100 in that savings account!
Now it only has something over $100 in its balance because I had to transfer so much of the fund over to my chequing account, ensuring that it had approximately $200 more than would be required just to be secure in case some automated debit or two is applied to the account meantime. There are so many damned piddling hits on the account throughout each month for various bank and insurance interest payments that it is impossible for me anymore to even know what they are for, let alone when they will strike.
Many of these interest transactions relate to my wife.
Anyway, I was so depressed last night after realizing just how dire is my situation that ... well, I was almost teary-eyed despite feeling anger. Settling down to find sleep was not simply done.
I never did have much of an RRSP to convert into a RRIF. And eventually, I will no longer be getting any of those quarterly RRIF payments because the fund will have run dry. As a result, had this month's chequing account fiasco occurred when I had no RRIF payments any longer, what could I have done?
There is much, much more that I am not divulging relating to the debt I am living under due to my wife's past demands and extravagances ─ just take my word for it.I don't want to blog any further today, so I will just comment on the weather ─ it continues to be very mild and well above freezing, even at night. I wrote in yesterday's post that a rather chill breeze blowing through the upstairs open window just beyond my computer had me slightly concerned that maybe a new cold front was on its way, but that is evidently not the situation.
As yesterday, there was even some blue sky and sunshine today.
I also want to report that I did not watch a Christmas movie early last evening as I had written I might. By the time I quit blogging and had gotten downstairs to the T.V., I saw that it was already at least 6:50 p.m., and I need more time than was being allowed in order to fully watch such a movie before my younger brother arrives home from drinking at his girlfriend's home ─ or wherever else he might be doing so. He professes to hate Christmas movies, so they are fare I must enjoy alone.
A big part of enjoying them involves the dark rum that I like to indulge in to enhance the mood aspect of an emotional Christmas movie, and I find myself feeling keen on that alcohol buzz. With that being so, I am going to quit this post here and go and locate a worthy movie via the apps that I have downloaded into our Android TV Box.
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