Reality Check

My mother was in charge of the household budget, and one time she got to thinking it would be nice if there was just a little more money left over after the bills were paid. She thought maybe getting the monthly house payment lowered might help, so she called the bank that held the mortgage. She was connected to a loan office who told her that it might be  possible to refinance the loan.

“I’d like to understand your situation,” he said.  “Are you carrying large balances on credit cards?”

“No, we don’t have any credit cards.”

“Are you making payments for a lot of things you bought on credit?"

“Just our car,” she said.

“Are you behind on any payments?”

“No.”

“Do you have a lot of medical bills?”

“No.”

“Do you have kids in college?”

“No.”

Sounding a little irked, he said “Well, what’s your problem, lady?”

“I guess I don’t have one,” she said, then thanked him and hung up.