For the last year or more, we’ve been sending my mother post-dated cheques each month to help her out with whatever she needs. It is a royal pain in the ass, because who the fuck uses cheques anymore. I’ve done the research, and it is literally the only way to get the money to my mother because you can’t e-transfer cash to someone who has no e.
The cheques ran out this month, and I had a brilliant idea: why not replace the cheques with a credit card that mom can use whenever she needs anything. Several times this year I’ve had to provide my credit card information to strangers over the phone, because mom needed my help paying for something. I’d have her go and get/do what she needed, then have them call me for payment. It, like most things involving my mother, is a royal pain in the ass. If mom had a credit card she didn’t need to worry about, she could get these things herself. Less ass-pain for me, more freedom for mom. It’s win win!
I just spent half an hour on the phone with my mother, walking her through the complicated scenario of “use this card whenever you need to buy anything”. See, she used my monthly cheque to pay health/car/whatever insurance – how would she pay those without the money I give her? Easily, I explained: use the new card for anything you buy. You won’t be spending your money, so when your insurance payments are due, it’ll just come out of your account like normal.
“Okay so I take this card to my insurance and pay there?” No, you don’t need to do that. Because you aren’t spending the money in your bank account when you do groceries or go shopping, you can pay for insurance. “How will I do that without your cheque?” When you use the card, you’re spending MY money, not your own. “So I can use this card and pay my insurance?” No, mom. You don’t use the card for insurance. You use it for everything else. “Oh so I can buy whatever I need, like insurance?” NO, MOM. “I take the card to the bank and they pay my insurance?” WHAT. NO. “But then how do I pay my insurance?” MOM. LISTEN TO ME. THROW AWAY YOUR BANK CARD. USE THIS CARD INSTEAD. “For my insurance?” NO, MOM. FOR EVERYTHING ELSE. *explains how money works* “Why couldn’t you just give me cheques? This is so complicated!” Mom, we’re giving you more money this way. It’s not complicated. Cheques are complicated. “Well, I’ll take this to the medical office and see if they can pay my insurance with it.” .. sure, mom. Let me know if it works. If you need more help, tell [current elderly man friend] to call me and I’ll explain it to him. “Hah! He doesn’t understand anything, that won’t help!”
As we said our goodbyes, I was slow to hang up the phone. The last thing I heard before my head exploded was “aye yi yi!”, said to her cat and the TV.
Please do not let me have any further brilliant ideas when it comes to my mother.