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I' considered myself young enough and clever enough to manage my financial affairs alone. Bu! I was single then. Later. when entwined. this independent attitude “became an annoyance for my wife. Desk drawers and chase: shelves are packed with posscmions. ill of them collected over my 81 years ~ 02! lifetime. No.1)ut home isn't a dumping ground. livery- thing's boundup in bind- crs and pmpefly labeled. This way. I make good use of all available space. Admittedly. 8! times. my wife's patience reach- es a level of frustration. My answer is never. Yes. someone else will. but not me. They'll carry it out when they carrme out. The same applies when it comes to money. Some inay call me frugal. I call me thrifty for :ing a student of the 0 school. I've learned to appreciate the. value of a dollar. Ah yes. a dollar. ' lclearly ,mcall rat-iv- ing a dollar a day cutting roadside weeds for tho Township of Markham. » “When are you going to gex rid of all that stufl?’ lean says i For a similar wage. I also worked one Sum- mer for a neighbouring, fatmer. And banked every penny. By the beginning of September I'd saved up enough to keep me inichocolaxe milk and Planters peanuts through Christmas. ' Where does this lead? To my bank â€" Sco- liabank in downtown Stoufiville. This institu- tion is one I truly (rust. Unfonunately. (for me). I didn’t always practise whatl’pmachcd. While inilially indig- nant that my monetary expertise had rnmo under question". I finally agreed. "Let's obtain the assis~ lance of a money man- ager.” she said. “someone proficient in his field.” And I'm glad I did. Fur the lurnaround's been amazing. We mm find mvcstmt‘ms. onrv clnakcd in (‘ohwvha working in our favour. Mme importantly. we're ablv l0 sloop at Financially frugal to sitting pretty 3 ,mggiyg, ‘m a ’ pack rat. Always have been. Always wmbe. Whatever I save. Believe me. it ’5 nothing we did. It's what someone else did (dfid is doing). Melissa Stronach. Sco- tiabank's senior person- nel officer has taken us under her wing, provid' ing’ a peace of mind we'd never known before and a financial plan I'd once foolishly spurned. night Roaming Around While banking trends today tend towards the impersonal. not so with this ~mother of! three. When I walk past her, office door. she waves. While standing in the teller line. she speaks. Once a year, usinlly in lanuary. she arranges a meeting. always at nur convenience. not hers. ' Even before we arrive, she ha§-.uur-- financial picture at her fingertips. Minutes later. it's visibly While willing to pro- pose. there's never pres- sure. ' framed on a computer screen. ready for review. _ “I'm here for you.” she says with a smile. 'I know your comfort zone.” The latter relates to a lucra- tive cushion in our sav- ings account. a balance that pays-next, lo noth- ing. But she expresses n0 nbicclimis for by now she knows] won't bend. What she does. how- ever. is explain - why [his is better than that and that is better than this. And true m her word. we always come nut win- ners. ‘ - ' We feel extremely f0?- tunale, For us. Sluuffville's Scptiabank. has a jewel on its .slafl. an individual who has modified our money management from a journey down a dmdmnd «mm! m an (‘xrurslontalnng a high waw m hmvrn. hm 1110mm ‘ is a Stnufli It'llr n'sidmu who has n Inn": [at arm nquym [m mom than (liymrx, with Jim Thomas nul- klun no daftth h an ab “humilth j ltwithbrhcmchcmx (butmbm)ndoin’t pt! it who “extend” on a tumbling machine mantel: Solfmdhonyoummmyour M- -‘hF'JEPA-i‘o'i'fiém v» ‘c-w 8599/": I V. I I Till! w 153.1sz my. a: in“, My 3: m; "’1! :5.” it. 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