Virtually Neverending

Twitter: Leilani Dowding

Early last evening I was to have some supper and then one can of strong (8% alcohol) malt while watching an episode of Batwoman ─ this time, season two's episode 13 ("I'll Give You a Clue").

Thereafter some back and forth texting kept me up until after 9:30 p.m., so I learned that my wife was not having to work today, but she would not be coming home ─ some story of helping some woman she knows celebrate the woman's upcoming wedding.

Since she would not be working today, she said that she would visit our financial institution to see about having my $1,519.29 returned to my personal account. Someone at the financial institution had transferred that money out of my personal account and into my wife's account ─ which is one of several joint accounts that we have together ─ to bring down a nearly $3,000 negative balance that had been created last week because my wife had somehow gotten them to extend her an unknown amount of credit without me being privy to it.

Anytime my wife gets credit, she starts depleting it, so in just two or so days she had put her account into a negative balance of $2,990.96. Then I suspect that once it was seen how rapacious my wife was, it was decided to stop her credit arrangement and begin having the negative balance reduced.

But they had no damned right plundering my personal or private account of all that it contained. That account was not one of our joint accounts, and I created it a few months ago so that I could have a safe place to keep my money ─ and what is required for our bi-weekly mortgage ─ secure from my irresponsible wife who has regularly withdrawn large amounts of my money that has not only jeopardized the mortgage, but left me with virtually nothing.

I only have pension income, and that arrives but once a month. When my wife 'robs' me, I am hooped until I get my next pension direct deposit.

So she was going to see if she could have my money returned, or at least have them return enough to cover the mortgage payment due to be debited from my account tomorrow by another financial institution.

As well as monthly pension income, I also receive a quarterly RRIF payment that slowly empties out what had once been my RRSP ─ I never ended up with much of an RRSP fund, so these varying quarterly payments are nice, but not exactly huge. I received my latest one this past Monday, and it was something over $400. The deposit is made into my chequing account, which is one of the joint accounts my wife and I share ─ this is where all of my pension income still goes, for I have yet to have the government change deposit destinations. I just try to be alert and get the money transferred into my personal account before my wife sees and accesses it.

I immediately used $100 of that RRIF on Monday to make a credit card payment on a balance entirely my wife's fault ─ the card is in both of our names, but she was the only one of us who ever used it. Then after she maxed it out, she gave up making payments, and I was left to deal with it. I froze the card so that it could not be used, and have been working on paying off the credit debt.

I had considered withdrawing the $300 that remained when I went for my five-mile+ walk in the wee a.m. of Tuesday, but I just didn't feel up to the errand. I had the walk, but I never went by the ATM. And so I was determined that I would withdraw the money when I had my walk last night.

As I said, I was to bed after 9:30 p.m. last evening despite having my cellphone alarm set for 1:30 a.m. to get me up to ready for that walk. When that alarm chimed, I rose, being aware that both of my stepsons were still up downstairs (I could hear them talking).

I logged into my account ... and saw that the $300 had been transferred out to my wife's account. Angrily, I resolved that just before I left on my walk, I would transfer the money back and hope that she did not meantime withdraw it. I could not put the money into my personal account because I have yet to get a debit card set up to access that account, so there was no sense transferring it if I intended to withdraw it.

It was raining, and rather seriously. An online check for hereabouts yielded the claim that the temperature was 11.1° Celsius (51.98° F.), so I resolved to not only wear a heavy denim jacket, but also a sweater beneath it to help shield me from the soaking I knew was to come.

I found a text my wife had sent me at 12:41 a.m.:

Hi, I try to move money from you account it's ok but I can't deposit back so I have to go the bank tomorrow to deposit money

That was too difficult to decipher ... until I was ready to leave and set about transferring back the $300 to my chequing account among our joint accounts. The transfer failed.

I tried again a few times with the same result. Then I tried $250, then $200, then $150, then $100 ─ all transfers failed.

I have seen before how sometimes there is a lag in the electronic balancing of accounts. So what I thought may have happened is that my wife withdrew the $300, but the system was still displaying the money as being present. However, it would not allow for the non-existent money to be moved anywhere else, and thus my attempt to transfer any failed.

And so I had my rainy walk, and even though I wore my inferior no-name AliExpress hikers that actually inhibit hiking, I made far better time in them than I have managed thus far. I left home at 2:01 a.m., and was back here at 3:50 a.m. ─ that is darned good for any of my footwear.

But I was wet, for sure. I had even stopped early into my walk for a half dozen token sets of pull-ups and chin-ups.

Once I was back, I checked that account again and tried to transfer anew, but the result was the same. This should not be happening ─ the system should have updated if the money was not there any longer, and displayed the true balance.

And then my wife's message made sense. For some reason, her account was frozen. Money could go in, but not out ─ the financial institution had done something to her account, probably as a protection because of how swiftly she had racked up a credit debt last week. She had eradicated the remaining negative balance by having me transfer $1,500 into it that she had e-Transferred to me ─ on Sunday, I think; but the freeze on her account remained.

So my wife also intended today to visit our financial institution to resolve this new dilemma, as well as see about retrieving money back for our mortgage payment ─ as I said earlier, they had absolutely no business taking everything I had in my personal account to pay down a debt they had allowed my wife to rack up. I was not party to that credit arrangement. Had I been required to sign off on it because it was our joint account, I would have refused ─ my wife should never be allowed credit ─ ever! She is too irresponsible.

She didn't rise today until into the noon hour, so when she started texting me, I got her to understand that if she was able to e-Transfer me enough money for the mortgage, I would be able to deposit it into my personal account. I had warned her that if we did not have enough money for the mortgage by 6 p.m. today, I was going to enlist her sons ─ and they would be furious with her, and she knows it. There is only one reason that she would have needed to get credit last week ─ she had suffered major losses again at the casino that she is addicted to.

So she is deathly afraid to have them know what has been going on.

I don't know what she was able to do, but she e-Transferred me $1,000, and I in turn transferred it to my personal account for tomorrow's mortgage.

She must not have visited the financial institution to see about why her account is frozen, because early this evening I attempted yet again to transfer back the $300:

Could not perform the operation.

Anyway, if I remember correctly, she has to work a full day tomorrow, and likely will not be back here until afterwards.

As for this morning, upon returning from my hike, I found my idiot eldest stepson still up and watching videos on his laptop at the dining table. But I came into the house unseen and came directly upstairs here to my bedroom where I keep this computer.

Perhaps I was back to bed by 5:30 a.m. All I recall for certain is that I never checked the time afterwards until something like 8:42 a.m.

I rose, correctly believing that my younger brother was up by then and watching T.V.

Once I joined him, around 9:10 a.m. he invited me to put our Android TV Box into operation, so I led us off with four of the latest short video excerpts from YouTube's Redacted channel.

My brother left to pick up his girlfriend Bev just after 10 a.m. to drive her to work, but he warned that he was also going to stop for a haircut and would be back later than usual.

When he did return, I thought that I had the video of the first three Common Law Basics Course lessons at Rumble's Liberty Not Slavery channel set up to play, but when the video finished after just over a half hour, I realized that I had played the second video containing the fourth lesson.

I may give the first video a go, but not for some while.

We finished our viewing with an episode of My Family ─ season (series) two's episode five ("Death and Ben Take a Holiday").

My brother then sought some bed rest before leaving for the day to socialize. I got involved in texting and even a phone call with my wife, and was not to seek a needed nap until well past 2 p.m.

It has been quite a rainy day, although not always a serious rain. It would be nice if I had a rain-free walk after I rise at 1:30 a.m. to ready for it.

I thought I might watch a Christmas movie early this evening, but I squandered too much time and had to settle on an episode each of Supergirl (season six's episode 15 "Hope for Tomorrow") and then Cybill (season two's episode 21 "When You're Hot, You're Hot").

During them, I had my supper and two cans of beer.

Enough of today.