Monday, August 29, 2011

This is why...I am not a bookkeeper

O.K.  Well, I really am the bookkeeper of the family.  Just not a very good one if you ask me.  I handle the bills, etc.  My husband is the accountant.  A tax accountant.  Really.  He gets paid for this stuff.  It's in his brain.  He gets it.  He looks things over things once in a while (at least at tax time) and graciously explains to me the error of my ways :)   Apparently it's not acceptable to consider it a wash if you are under 100 in the expenses  and over 100 in the credits.  It works our mathematically so I can reconcile, but when it comes down to it - it has caused some problems. 

After doing this for 16 years (I took over when I became a stay at home mom) I thought I was finally getting the hang of this.  Until 4 little pieces of mail arrived over the last 3 days that make absolutely no sense to me (or didn't).  It doesn't help that we recently bought a foreclosed house and are in the process of selling our old one.

1.  A late pmt notice for a loan that we have never received a bill for. 
2.  A stmt for said loan that tells me the amount due in the next couple of weeks - yet includes no return envelope, nothing to include along with a check, and get favorite...NO ADDRESS ANYWHERE on this notice.  Not even in the fine print.

(well...I did receive a call from that bank this morning stating that they are new to this, no one is being charged late fees, that that was indeed my billing stmt, and giving me the address to mail my check (although it was on the late pmt notice).  So...none of that was my fault and they are fixing things on their end.  Just in case, I photocopied the information and wrote down the address for future pmts - Quicken will let me know when they are due. :)

3.  A refund check.  This may be an escrow refund - but it doesn't seem big enough.  I really don't know.  I'll have to ask my dh accountant about this one.  The notice does contain a transaction ID.  But, no phone number or anything to ask anyone about this.

4.  This one isn't so confusing.  Just a little unfair I think.  I received the first bill for another loan.  Pmt due date in 3 days.  I don't have a problem mailing a check tomorrow - but I hope there aren't any delays - sheeesh.  Again, Quicken will let me know when the next one is due, so I'll be ready.

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