Tag Archives: bills

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

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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.

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Week 19 – 2014

Not much happened this week. I done a little work on my various sites. I also took the dogs out for a couple of long walks this week. I finished paying my bills including my Electric Bill. Andrea paid most of the bill for her phone which was used to make another payment to my credit card. I also had to buy some groceries, and I ordered dog food for the month. Not much else went on. I did receive my food benefits, but will be waiting until I have to go close to the grocery store before buying food. This is why I bought some groceries early.

As for plans for next week, I will have two doctor appointments, one being for the ear which started draining again, while the other is a dental cleaning appointment. Also, with Google terminating XMPP support with GTalk, this will mean I will have to make some adjustments with my home phone. I will be doing this at the last minute to reduce the cost of using the SIP provider. Otherwise, not much is planned for the week to come.

Week 14 – 2014

This week was a bit of a busy week. Almost every day, I was out doing something. Exceptions to this was on Sunday. On Monday, the dogs got a long walk. This was a bit different from their normal one as they had a walk as far as Downtown. On Tuesday, I had a dental appointment for denture fittings. On Wednesday, I had an appointment with my primary care doctor which wanted me to see a specialist for an ear problem I have. On Thursday, I made the appointment which they wanted me to come in the next morning. In addition, the dogs got a longer walk – this time just to the Giant Eagle. In addition, Chris stopped by for a couple of hours. On Friday, I had the appointment with the ear doctor which some medicine was prescribed. After which, I had to run an errand. On Saturday, I had to wait for FedEx to deliver a package. This package was rawhide sticks for the dogs, a USB Charging hub, and cooking rings which is used for pancakes, and eggs. After that, I went to the Laundromat which I had to do my laundry.

On other events, I received a letter from Duquesne Electric accepting me into the CAP program which helps with reducing the electric bill. I also got cleats on my shoes which was needed especially considering that I do have to walk a lot with the dogs. I got my SSI benefits which went to my bills, and credit cards. Otherwise, this has been a productive, but hard weekend. There were a few days where I had to supplement my pain medicine with Ibuprofen.

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Week 9 – 2014

This is my first weekly update which replaces the daily update. This week could have been better. I received my T-Mobile bill, and noticed there was a discrepancy in my data for my Nexus 7. After talking with a half of dozen people (literally), and went through a range of email communications, I have the problem partially solved. It would seem that 30 days after I activated the tablet, my data is terminated even though I am supposed to get 200MB for the life of the tablet. A support ticket was sent to the engineer, but this could be as late as the first Monday of March for someone to address it. In the meantime, I am stuck having to get a 500MB data added to my bill, and the representative couldn’t even do that correctly. Email support fixed that, and promises to refund the charges for the 500MB while I fight to get my 200MB for that I am entitled too.

It got extremely cold this week again, but I managed to walk the dogs a few time. However, there were also a couple of days where it was dangerously cold for them to be going for a walk. Of course, they got to play indoors which is nice and warm. Talisa especially loves to sleep under the wool blanket at night. The dogs are doing well, although one of them misplaced the Kong toy again so I had to put the other one up until I take the time to look for it.

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2014-01-31

Not much happened today. I received my benefits which was then used to pay my bills. My electric bill was higher than I would have liked, so I wasn’t able to put as much as I would have wanted on my credit card. Obviously my minimum balance is still paid (minimum×2+Interest+Monthly Recurring). Alexis got her new SIM card active so she is now able to use her new phone. In addition, the dogs got a walk today, and the pipes unfroze.

Not much else happened today. And no real plans for tomorrow. I will have to walk the dogs as expected, but otherwise – nothing much to go on. Sometime this weekend, I will like to do my laundry, but will wait until after I see my brother, or on Sunday, whichever is to come first.

2013-11-28 (Thanksgiving)

Today was like much most holidays. No bus service, and nothing special. One nice thing was that my landlord did bring over a dinner. I obviously took it, and shared the ham with the dogs. I however took the turkey and stuffing.

On another note, I received my SSI benefits early, but it didn’t matter much since no transaction will take place until tomorrow. However, nonetheless, I still sent the electronic orders to pay my bills. My bank account started with $4.10 – then went to $714.86, and tomorrow, it will be down to $12.78.

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2013-08-01

Not much happened today. My benefits came in, and of course I paid all of my bills. My electric was about $10 less than I expected which was good as that allowed me to get a couple of things at the grocery store. I just have to wait on the money owed to me so I can apply more to the credit card. I was only able to apply about $100 to the money I owe which I will need the money owed to pay off more money.

I also received my thumb drive. This drive allowed me to create a restore drive in case if something should happen to the computer. I then deleted the partition on the computer so I could have my full drive space back.

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2013-05-31

Today could have been a better day. I didn’t sleep well the previous night. I started to feel the effects in the evening. I did walk the dogs then made a phone call. Andrea also paid the phone bill which was good as this provided funds that was needed. I also spent a few moments paying my bills. While all of my bills are paid, it does have a serious impact on my bank account.

I chatted with a few people, although a couple of them didn’t seem that interested in chatted even though they didn’t seem that interested. The evening was coming to a close while dozing offer just before I take the dogs out for the last time before bed.

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2013-05-30

Not much happened today. I was home most of the day although I went to the pharmacy to drop off my prescription. It’s due to be filled on the 9th, but that is a Sunday, and I have to do grocery shopping on the 11th, so that is when I will pick up my prescription.

I walked the dogs, and of course gave them time to play. Not much else happened, especially with today being so hot. I received my electric bill electronically, and I could either pay $15.75 or pay $31.67 as a budget amount – you know because the more expensive option is s much smarter. I made the necessary adjustments to my calendar entry for tomorrow so I have one place to compare all of the variable bills.

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