I just paid our latest credit card balance online. Nothing unusual about that. The balance was a little less than normal, but then it normally fluctuates throughout the year, depending on travel, annual payment due dates, and household purchases. What caught my eye was the line-by-line list of credits and expenses.
First, the credits. In addition to last month’s payment, there were two credits for events that we had signed-up for but were cancelled. Both were annual gatherings we had been looking forward to, but each fell victim to the virus. Although I am grateful that we received full refunds, I feel sorry for all the people who had put so much time, effort, and money planning the events only to have them cancelled.
Now, the purchases. Almost every one of them were for items that were delivered to our home – either electronically (like Netflix and our digital subscription to the New York Times), or were brought by truck. Amazon made the bulk of the deliveries, but food items were a close second. There also may have been a few deliveries of wine.
Our credit card statements from just a few months prior look completely different. I guess I had never really examined the statements before; once I verified all charges, I paid the balanced and moved on. Now, looking closer, I can see some interesting patterns.
As expected, most of our purchases from before were made in person. I was surprised, though, how often we went to various grocery and big box stores. Missing a specific ingredient for a meal or need an item for a project? No problem. Because most of these stores are just a few miles away, it was easy to get in the car and pop over. And, if these errands happened to occur around lunchtime (which they often did for some incomprehensible reason) why not stop for a bite to eat?
Although I don’t consider myself a big clothes shopper – especially since I retired – I apparently liked to visit those types of stores now and then ( 🙂 ). Not a lot – and the purchases were fairly moderate – but enough that it made me wonder what exactly I was buying things for. It’s not like my closet is in danger of emptying out anytime soon.
There has been a lot of discussion about possible positive changes our society might make after all this is over. Although I don’t hold out a lot of hope for world peace and the end of greed and corruption, I am grateful that our credit card bill has revealed a few personal changes I’d like to make.
I don’t miss all the running around doing errands, but I do miss the lunches out. But, rather than grabbing a quick bite in between, I’d like to make that time together the focus. And with better food. Too many of the lunches involved ordering at a counter.
I’m a little surprised that I don’t miss shopping for clothes. With the weather warming up, I would have visited the mall at least once over the last two months. The fact that I haven’t missed that particular indulgence makes me think maybe it wasn’t the clothes. Maybe it was getting out for a few hours to be alone with my thoughts. Going to a park or visiting a museum or gallery would provide the same “me time” without the price tag.
Everything being cancelled this year has brought home the importance of taking advantage of opportunities when I can. There were more than a few things I meant to do but had put off… until it was too late. I don’t want to feel those regrets again.
How about you? Do you anticipate any personal long-term changes based on your experience over the last few months? Is there anything you hope to do more of – or less of – in the future?
Retirementally Challenged 