"Good Morning Sunshine"

There is an hour in the morning, especially on weekends, that I need to take slowly and ease into the day. Waking up with no alarm clock is nice and so is no rush hour to work, but no matter how late I sleep in on Sunday, I need one hour to be happy about my day. Just give me an hour to sip on coffee, read my email, browse through the comics, and whatever. Even though I have a lot of house chores to catch up on, or should take advantage of a beautiful morning, I can’t just get up and go. Vacuuming is too loud, showering sounds chilly, and leaving the house moves the morning too fast. I’ll take my time with a cup of coffee, herbal tea, or a tall OJ, but I can’t brush my hair, get out of my pajamas, or even plan out the day until I had my hour, to wake up my smile.

Random Rambling about Money

The dentist makes me cry.
Anybody working with my car makes me cry.
And just recently the new admin in the grad school office made me cry.
But I just realized the common thread with all of them. Money.

They all hit me in the wallet in an unplanned and unwelcomed way.
My smile must be worth a lot after all the work the dentist has done in my mouth. In the past my car always needed something fixed when I finally had a little extra cash, and most recently I became an example of how dropping a class after the deadline will be expensive no matter how good the excuse.

Money has always made me emotional. You would think that would mean I loved money, invested wisely and was frugal. Not true. It only means money makes me cry.

When I was a kid I remember being sensitive to bills at a restaurant. My family would be on a vacation in Florida at a modest restaurant and I would hold back nervous tears because everyone was ordering lobster or ribs. As if the $150 bill was actually going to make or break the vacation budget.

So I have financial goals, but haven'’t started on the action plan. While I have little excuse, it did get me thinking about why I have not moved on this and came up with an idea. Virtual bankers. My banking brother, this could be your million-dollar bank idea! Hear me out.

Banks hold odd hours, well common hours with all the other working people, making it hard for me get there. If I actually make it there, I wait in lines to talk to people behind a desk, out in the open where I find to be missing information that could be found on my desk or within computer files. Or I could really use the presence of a friend that could help advise me when making important financial decisions.

If I had a waiting chair like my couch, all my information at an arm’s reach, and was in my familiar and comfortable home, I would talk money more often. I picture evening hours when I have my checkbook out, questions about my savings, and brainstorming about my financial future. I log in to my financial advisor, ask questions and get advice from with my beau upstairs, my family by phone, with a friend on ichat, or research all the options online as we speak. Not just a website that lists options, has a FAQ section, or lets you move money around, but a live person to chat with via instant messaging, audio, or video conferencing.

What do you think? Or does this already exist and I missed the memo?