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
New year, and new challenges. I was able to get my food assistance benefits corrected, but now they are about half of what they should be. This will mean that I will have to either push more money to my food budget, or decrease my food consumption. My income however went up $20 and waiting on the repercussions of that in other resources I have to rely on. As always, I will make due with or without. This is a simple fact of life. Since things can’t change, it is a matter of acceptance or not.
This will mean that the new domains acquired last year will likely expire. I will have to make some adjustments to what I can or want to do in life. In turn, I will try to be more active with Twitter, which will send posts to Facebook.This will help satisfy any one that has a desire to know now demand with life. I will continue working on my ACTA Plan site even though I hadn’t made my deadline. The keyword is my deadline.
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.
Continue reading Week 9 – 2014
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.
This blog post was definitely harder than I expected. It would seem as if this amount would have been worth noting, but I had to make some decisions on big ticket items such as a house of my own. Assuming that I would had to furnish it, and it would have likely needed renovation, this made it too much. Which then brought more money for other things. While I will try to keep this post shorter than I could have made it, it will still be a long post.
There will have to be some things to keep in mind. First, this amount is Net (after taxes). Second, this is to assume that it would not affect my sources of income and assistance unless I have too much after 6 months. The reason for this is imagine if someone said, here is $100,000 – but you can not work, and any financial assistance will be in a waiting line that could take 5-10 years. Needless to say, if you were smart, you would probably say no.
Continue reading If I had $100,000
The first day after the New Year Holidays, and it will seem as if I am jumping through hoops to get very little done. I was smart enough to not urinate this morning. Why would this be smart? Well, because of either insurance, or the pain clinic’s policy, there are random urine tests. Sounds more like a criminal rather than a patient, however I nonetheless did so, and within moments of being given a cup.
Next was to Downtown to get the information I will need for moving. Ha, not so easy. After spending about 30 minutes waiting on the correct housing specialist, I finally got the ability to have an appointment, and found out what my base standard is. So, this will of course mean that I would have to contact the potential land lord and let him know. This will be done later this evening since I wouldn’t want to interrupt during his working hours. Continue reading Jumping Through Hoops with Little Accomplished