On 2018-01-19, I am officially out of debt. My last one was a loan that was used to reduce the interest on another debt. I spent my savings to take out the debt and will need to rebuild my savings account, but this should be a bit easier to swallow considering I am not making any other payments.
For my revolving credit, I will make small charges and pay it off immediately. This is to keep my credit score as high as possible in hopes to get a mortgage. Getting a mortgage will be hard considering my income, and Social Security’s rules regarding bank assets, and SSI. Simply put, I am not allowed more than $2,000 in bank assets. A down payment on a $30,000 mortgage will be $6,000 so, therefore, I won’t be able to save a down payment. Continue reading No More Debt
Very little occurred in the last month of the year. Since the winter so far has been mild, I had been able to walk Malak. The first week – nothing happened with exception of getting a couple of groceries at the closest grocery store. The younger of the two sisters sent me some SMS messages, and as normal with her, abruptly stopped.
Continue reading December 2017
A couple of months ago, I canceled my Verizon FiOS for Comcast Internet Essentials. One of the main reasons was cost. Comcast Internet Essentials is an Internet Service Plan intended for low-income households. The plan provides a 15/3MBPS internet connection for $10/month. Since I been using it for a couple of months, I figured to write a review about it. Continue reading Review: Comcast Internet Essentials
Little happened this month. I saw my Pain Psychologist, and my anesthesiologist in the second week of the month. I also got Internet Essentials from Comcast. It was disappointing that I couldn’t use my own modem and router, but such is life. I did some changes in how people reach me. I will be phasing out my “home” phone line and just relying on a single number. I have been able to solve the time calling rules that were in place.
Also took Malak to the vet. He had some wounds on him under his chin. I cleaned the area and went to make sure nothing bad happened. It seems as if all (buy my pocket) is fine. Nothing else happened. December will be more active.
Thanksgiving was a bit of effort. I helped someone with their dinner. Malak got to eat some turkey skins. He also finished his medication treatments. The third and fourth week however otherwise has been relatively quiet. On some good news, I managed to almost make my savings goal. I should be finished in the first week of December.
With being disappointed with the customer service of Verizon, and the availability of Internet Essentials from Comcast, I decided to return to Comcast, but only with this program. Comcast Internet Essentials is intended to help select low income groups to get low-speed internet for a reasonable price. In my case, I receive 15MBPS down and 2MBPS up for $10 + taxes and fees. The reason why I call this low speed is FCC defines broadband as a 25/5MBPS connection.
The service was installed by a technician who had to come and set my service up since I had FIOS. While I already have a cable modem, and router, I was told by the technician that I had to use their hardware, but it is free. Installing the service took about an hour with full bootup taking as long as 15 minutes. Continue reading Comcast Internet Essentials: First Impressions
This month was much like most months. However, I was busier than normal with appointments. There have been some changes. First, the department of Traveler’s AId which provides me with bus fare to get to and from doctor appointments have changed. I called the new department for the first time late last month. I also acquired a USB A – C cable. This will allow me to charge my phone next to where I sleep. Before this, I had to charge it early in the morning.
The first week was as normal. I, however, had a phone call regarding my brother. He, however, has yet to actually call me since the last time he did me wrong. This is for the best in my opinion, but he still sees it fit to cause more issues with me. Next, I had a doctor’s appointment which I went to. When I got back into Downtown, I missed my bus and had to go to a McDonalds’ to get off of my feet. This was because of me having to get bread to support my meals.
Continue reading October 2017
On October 2, 2017 – I have set up a Let’s Encrypt SSL through my hosting provider (Dreamhost). The certificate seems to only be valid for a few months, but I am sure there will be a way to make it more permanent. For those that would care, the site will automatically go to secured hosting when selecting a link within the site. However, to assure some ease of future policies, I will continue to just use the non-encrypted URL, and make it so going to pages, and posts will be encrypted.
There is likely no need for this since I do not take credit card payments over my site, but it might offer some assurance and guarantee for someone that would prefer an encrypted site.
The first week was spent mostly paying bills, although I had an appointment which I went to. There is still fatigue with the new medicine, but hopefully, I can get that dealt with. The goal was to get everything accomplished as quickly as possible. This is to allow me to have an accurate depiction of my money in the second week.
The second week, as normal – I received my food stamps, and again had issues with Verizon. I received a couple of emails saying my ATA went offline. This is not something that happened so frequently with Comcast. I am likely to try to get back with Comcast in a month. I also had to make a phone call for someone that owes me money, although he usually takes his time in getting it together. On another note, since I terminated my services with Freedom Pop, I decided to take the 2 month trial with Pandora’s premium service. If the service is good, I will be spending about the same as I would if I had Freedom Pop. Continue reading September 2017
This month could have been better. At the very least, it was frustrating. Where I will have a significant bias, and take much of what happened as personal, I will try to not let it affect the basic truth of what happened. This will be done as best as can be.
In the first week of the month, my brother did something wrong by me. It has even come to the point where I can not trust him any longer. With that being said, I had asked my landlord to do a couple of things to help deal with what my brother has done to me. If the precautions I have taken will fail, I will have to consider moving, or worst case scenario, surrender Malak and become homeless until I will be able to find a new place to live. Continue reading August 2017
The first week was hectic. First, I managed to consolidate all of my bills into one loan. This will hit me a bit, but will hopefully be able to reduce the stress of the debt I had – some being as high as 27%. Also, in the first week, I received my rent rebate which was transferred to my new checking account. I also had a couple of appointments and had to go to the community center to collect my food from their food bank.
The second week, I got my food stamps which of course – I used to get the majority of my food. I also took Malak in for his annual checkup. Because of everything beforehand, it was a bit hard on me. I made due as normally. I also changed ISPs from Comcast to Verizon FiOS. I am going to keep that as long as possible, however, I need it for at least 4 months, otherwise, the change will be for naught. The reason of the change is Comcast will not allow current customers to get Internet Essentials. Malak also got his annual checkup. He is 80lb of muscle, and relatively healthy for his age. The vet recommended fish oil capsules to help with any joint issues he might have in the future. He is at least 6 years old now, so that is a reasonable concern. As expected, he tested negative for heartworm. Continue reading July 2017