I suppose everyone has adapted to the New Year and writing 2012 on their checks and correspondences without any problems.
With today's online payments, direct payments, debit cards, and credit cards we don't write as many checks as we once did.
I was a "hold-out" as a debit card user. When the debit cards first became available I was reluctant to use it. I don't do change well and I just wasn't sure about getting the debit card purchases all recorded and subtracted from my check recorder. It took me a little longer than most, but when I came around I knew why the debit cards are so popular. Swipe the card and go. It is so much faster and easier than writing a check. Check writing in many places included waiting for the cashier to call a manager to approve the check, initial it, and then go on. That was before the days of electronics. Most places now just run the check through and give it back to you. Instant payments.
One thing I do my best to do is record all debit card purchases in my checkbook as soon as I make them. I have never depended on remembering where and how much I spent. I can lose a receipt from the checkout counter to the car. I was taught at a young age the importance of keeping up with a checkbook properly, reconciling it every month and checking it at least once a week for errors. I don't think check writing will ever become completely obsolete, but most of us do not write the number of checks we once did.
The debit cards are easier, faster and can be used anywhere when we are in our hometown or traveling. Once I looked at the pros and cons, I became an avid debit card user. I still make several payments by check, but really I am coming around to the convenience of automatic withdrawals. A lot of people are banking online, but again I am a holdout.
Online banking could be in my future, but, again, I am not quite ready yet. Like I said, I am a little slow on change, but once I get there I do okay.
The last dozen years have passed fast. It seems just like last year we were worried about technology as we went into the year 2000. We had heard so much from the "experts" about possible problems we could not help but be a little uneasy. Honestly, I did not waste much time worrying about it. I decided if the people are smart enough to develop it, they are smart enough to fix it.
Call me na*ve, but the older I get, the more I try to only worry about things I can do something about. It has taken me a long time to realize what a waste of time it is to worry about things we have no control over. I am a work in progress and I have to remind myself every day to turn loose of those worries.
In 2012 I hope to work on things I can make better and not worry about the things I cannot change, and as the Serenity Prayer says, I hope I have the wisdom to know the difference.