Tag Archives: bills

February 2017

This month could have been better, but one can’t complain. With the month being warmer than most Februaries – Malak was able to get more walks. Started to see a new therapist for my social anxiety, however he hasn’t given any recommendations other than what was recommended before with the pain psychologist. Still have yet to have a new psychiatrist.

On some other news, I have been having problems with my cellular phone. I think I will stop buying Blu Products since anything I seem to buy from there never meet my expectations a few months later. Considering that Pixel (successor to Nexus) is so expensive, I might have to look for alternatives. However, my plans do not allow me to replace my current phone; so I have some time yet.
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Declaring War on My Debt

At time of writing this post, I have three debts of $2,650 + Interest, and one debt in collections (which I will detail later in this post). This is a significant improvement from a couple of years ago where I owed nearly $40,000. Needless to say, I have declared war on the money I owe to banks, and other creditors and taking on my financial mistakes with a vengeance.

This however is not without sacrifice. I had to make some serious decisions in my life, and I am sure some people will disagree with my actions, but the ideal is to live meagerly now so I can have a better life later. Some people will want to get out of debt so they can buy a car or a house. I don’t see me having such options available to me. In reality, the idea of owning a place I can call my own is a fantasy rather than a dream. So why am I doing it? Well, first – it is the right thing to do. Second, when I seen a light at the end of the tunnel, I had to make $125 in minimum payments per month to be on good terms with the companies I deal with now. Considering that I live below the poverty line, this is a serious challenge that will never end unless I first fix my life, and second attack my debt with the ferocity it deserves. Continue reading Declaring War on My Debt

Week 49 – 2014

This week was as most starts of the month where I do a lot of activity, but of little interest. I picked up a couple of groceries at the end of the month, and had an errand in the middle of the month where I also added funds to my Connect Card. This was essential as I had very little left. I also had an appointment with my Anesthesiologist, but this was the normal 3 month follow up. And of course, I paid my bills – all of which were done electronically. Andrea paid a portion of her phone bill, and hopefully will pay the rest before Tuesday of next week.

As for plans for next week, I will have another doctor’s appointment, and will have to get groceries for most of the month. I will also be continuing to work on my one site that I want to finish (but not likely) before the end of this month. I will also be indulging myself on American Horror Story – Coven (season 3).

Week 44 – 2014

This week was slow with a lot of a waste of time towards the end. I will focus on this waste of time. One Friday (31st of October), I had jury duty. So, I have went through questioning, and sitting with interviews, right? Wrong. I spent the entire day waiting, and waiting before lunch, then waiting, and waiting again before being released around 3:30PM. In turn, I got $10.70 for my time with my lunch costing $8.00 and then there is bus fare. On top of that, I couldn’t pick up the dogs’ heartworm prevention medicine.

Other than that, not much happened. I walked the dogs on Saturday, and prepared for my bills to be paid. This meant that I paid the rent, and the electric while transferring the remainder to my credit cards, and Google Wallet. I also have a deposit which I will have to make on Monday. As for plans for next week, I will have to go to get cleats on my shoes, get the dogs’ heartworm prevention medicine, make a deposit, and a couple of other errands. My goal is to do everything on one day as to reduce the amount of bus fare I will have to spend.

Week 40 – 2014

This week started quiet, but ended with a little bit of hectic activity. This is because the first of the month came in the middle of the week. On Wednesday, I paid my rent, electric, and my credit cards. On Thursday, my credit card payments was acknowledge which I then used a part of the credit to pay my Internet, and Phone (which is my normal behavior). On some worse news, my only set of headphones are not working effectively which means I will have to try to acquire a new pair which means about $25 that I didn’t plan for.

As for plans for next week, I will have to eventually acquire groceries, and should expect money from Andrea, and Chris for their portion of the phone bill. And with about 2 months left in this year, I need to address a document that I will like to submit to city, county, and state government as well as PAT (Port Authority Transit). The reason is I feel if you are going to complain about something, you should have a reasonable and realistic solution proposed to solve what is being complained about. So, much of my effort will be to that document and the companion web site.

Week 36 – 2014

This week could have been better. Although one thing that happened was I finally received the check from Assurant. In that event, it took them 30 seconds to take my money, and 30 days to return it. Otherwise, everything else went in regards to paying bills, adding funds on my transit card, and getting the basic things that the first week of the month needs to be addressed with. I have been playing Clash of Clans, but hadn’t been very successful with attacks, but oh well – hopefully that area will improve. No real plans for the coming week are expected. Andrea and Chris are late with their phone bill (as normal).

Week 32

This week was much any other week, although it ended terribly. As for the majority of the week, it has been much like most weeks. I paid bills, and got the things I needed. As for the end though, my tablet’s screen broke. This was due to a drop after my ankles gave way. I invoked my insurance with Assurance Solutions, and it was a complete rip-off. They were insisted on sending me the Samsung Galaxy Tab 3 7.0 with the claim that it was a comparable model. It was far from a comparable model, and the Tab is inferior in every way. I managed to work out a somewhat reasonable solution with T-Mobile in replacing my tablet, but this is likely a one time thing which means I can’t trust the insurance provider to do the right thing in the future.

This is in addition that I still have yet to get tests for Talisa. This is still $100, and the tablet breaking is a major set back. While I “could” wait, there is also the issue of paying for the tablet I can’t use, and paying for service tied to the tablet. There is also the rumors I read on the Internet where Assurance will not support a device that has been broken for more than 30 days. I am hoping to have another option on standby, but as always, I expect worst case scenario.

Continue reading Week 32

Week 31 – 2014

This week was the last week of the month, and therefore not much happened. I was able to give the dogs a long walk, and had to go to the Grocery store, but otherwise – not much happened. The first of the month came on Friday which meant my benefits came on that day. I paid my bills with exception of my Verizon bill which they manage to put an inaccurate amount on the bill again. I am at the point where if they don’t fix this problem, I will reduce my speeds – especially since some times I don’t even see a benefit of the “50MBPS” connection.

As for plans for the next week, I should be getting money owed for their portion of the bill from both Andrea and Chris. I should also be able to hopefully pay my Internet bill, and will be expecting a bag of dog food to come in. Otherwise, not much is planned.

My 7 Month Cashless Experiment

Now, I am not saying that we should eliminate money. At this time, there are simply too many political, logistical, and social issues that will stand in the way of that Utopia. However, I am suggesting that we go Cashless. There is a difference. Money is what we use to trade for goods and services. Cash is the physical representation of money. Since January of 2014, I have conducted a small experiment. I decided to discover the impact and consequences of going cashless. I am the type that wants to be as unbiased as possible, and if I am going to complain about something, I am going to know what I am complaining about, and bring up realistic solutions to whatever my gripe is.

So, what did I rely on, and what happens when someone gave me cash? Well, what I would always carry will be my photo ID, my Google Wallet card which has all of my discretionary money, and if needed – I could transfer money from a credit card to my Wallet account. Last I had my Public Transit card. The ID had nothing to do with going cashless. However, to ride the public transit system, I used the Public Transit Card. When I needed to refill the card, I used a credit card, or my Wallet Card. So what happens when someone handed me cash? Well, I placed it in an envelope and would take that money down with me the next time I would be close to my bank. Once a month, I will take $10 of that cash to do laundry. This is because the Laundromat in Troy Hill supports only cash. Once my money was deposited into my bank account, I can then pay bills, or transfer to my wallet. Also, the shoe repair shop will require a minimum of $10 for cashless transactions. If need be, I will get cash – but will be spent within 15 minutes to address the shoe repair. The only other instance in where there is some form of physical representation will be my Landlord and sending him a check. However, I pay my landlord through the bank’s site and they mail him a check with no additional cost to me. However if my Landlord would take Google Wallet, he could get his money in minutes on the first rather than maybe the 3rd – 5th of the month, only to have to take time to deposit it.

Again, let’s go into the difference between cash and money. Cash is a physical thing. You can touch it, and put it in your pocket. It can be stolen, lost or given away rather freely. Money is the backing of a government and promise to honor a means of trade without having to rely on goods. At one time, cash and money was one and the same. Then came the banking system, and computer transactions. Think about it. If a Millionaire went an bought a $400,000 car – do you really think he is going to bring a briefcase with $400,000 in the dealership? No, he is going to write a check. That check is a promissory note of $400,000 that authorizes the bank to take that money and give it to the dealership. Now, do you really think that banks send large sums of money to each other? In a time before computers – yes. There would even be $100,000 US Notes that could be used to purchase something. These were typically used between banks. Now, it is a simple modification of a computer system and databases. Already – most of the money that transfers and used in commerce is digital. So what are the reasons for not going cashless? Well continue reading

Continue reading My 7 Month Cashless Experiment

Week 27 – 2014

This was a busy week. The first of the month fell in this week which will explain why. I was out most of the days in some degree, and had been a bit busy throughout. First, I spent a little on my credit card to get new socks and briefs. I was lacking in socks without holes, and my briefs were falling apart. I swear though, underclothes are getting too expensive. On the first, my benefits came, although there was some delay. I was able to address most things quickly though. I paid my rent, and electric bill. I then transferred the rest to my two Capital One cards. The Quicksilver got the money for the phone bill, and Internet service. The reason for this is because this card provides a cash back on purchases made. While nothing to brag about, it is better than nothing. However, even though I paid the bills before the banks open on the first, the money didn’t get recognized until the third.

I also decided to buy a new phone. I of course used T-Mobile’s EIP in-house credit which seems to rival my two credit cards put together. This is rather depressing, but I am not complaining. I was considering trading in the old phone for credit to the new phone, but they only wanted to offer me $20 for my near perfect condition Nexus 4. For that T-Mobile, FU! Needless to say, I kept the Nexus 4. It is now being used as a house phone which therefore retires my old cordless phone from service.

Continue reading Week 27 – 2014