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
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
This month could have been better. I severed ties with my brother and his ex-girlfriend. If one was to talk to him, he would make it sound as if it was over one incident. In reality, it is over 20 years of misbehavior, and the incidents in question are just the straw that broke the camel’s back so to say. The first week also had an outing on the behalf of someone else, and two appointments – all of which took a bit out of me. Nonetheless, I made due as usual.
The second week – mostly was spent trying to reduce the issues of the first week. I did have to go to the grocery store. The upstair’s neighbor passed her responsibility for the cat on to me. I already changed my passphrase, and will no longer allow her to have access to my network. I am sure she will not be happy about it, but I care not. As for the kitten, the cat went to animal control Continue reading June 2017
On 17th of June, 2017 – I have chosen to completely delete my Facebook Account. According to Facebook, I have a 14 day grace period in case I changed my mind, but I doubt I will. As time goes on, I feel that my value to most others as a person seems to be less and less. I don’t need Facebook to show me all of the useless and while sometimes amusing, lack of anything real. With this in mind, I decided to do the actual deletion, and removed the link from my .tel address as well as removed the link from my Social Network Page.
So what happens if someone wants to get in touch with me? Well, believe it or not, there is more to the Internet other than Facebook and Porn. When doing a Google search, one of my websites should show up. I can be reached via email, and Hangouts for IM communications. My Google Voice number supports SMS and MMS. If you are reading this post, you can reach me easily. Simply put, I don’t care if most people don’t know how to reach me. Almost everyone that were “Facebook Friends” have other ways to reach me. Continue reading No More Facebook for Me
The first two weeks of the month were extremely busy. On the first, I took my prescription down to Rite-Aid to be filled. It would seem as if they wanted to “give company policy” to make me make a special trip the next day to get my prescription. I was considering seeing if there were alternatives, but it will seem as if the anesthesiologist will start submitting my morphine to the pharmacy electronically. I will expect I will still need to provide ID.
Seen my pain psychologist on Wednesday, and went to a community center for the food bank on Friday. These too were in the first week of the month. In addition, on Tuesday of the first week, I went to the pharmacy (again), followed by getting cleats on my shoes, and an appointment for an eye exam and new glasses. It would seem as if my eyes were a bit worse. To make matters worse, not only did I need Transition Lenses (when the lens gets darker in sunlight), but the eye doctor wanted me to have a no glare lens as well. I expected to have a $500 bill, and the bill came to $493. This meant I needed to use a credit card. I got the new glasses on May 12.
Continue reading May 2017
Some things for the better and for the worse happened this month. While my life on the surface is rather quiet, there has been some significant impacts that happened. There is still some things that remain the same. My income and financial situation hasn’t changed. I have no significant other in my life, and the pain still remains.
One thing that happened is my neighbor went to the hospital as she typically does, and asked me to feed her cat. Maybe it is just me, but if you can’t stay out of the hospital, you shouldn’t have pets. I told her I would do what I can, and reminded her that I should not be going up and down steps on a regular basis because of my issues. It is times like this that I wish I could just have my own place where the neighbor doesn’t feel entitled that I am somehow responsible for their choices. Continue reading March 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.
Continue reading February 2017
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
This month was more than most months I have. An acquaintance that really likes to have Malak to come and visit broke her hip, and was in the hospital for a time. Because of buses, I wasn’t able to take a part-time under the table job – which I guess is just as well. Malak has been resisting on using the treadmill which may mean he won’t get as much exercise as he should. I guess if I had foresight, I wouldn’t have spent the $200 on a credit line to get it.
I also received an email from TelNIC which is in charge of the registry and hosting of .tel domains. They are making some changes which includes allowing them to be hosted with other companies, and no longer supporting sub-domains. For the catered nature of .tel domains, I am not in agreement with either option. Obviously, if someone hosts their .tel outside of TelNIC, they will likely have sub-domain support, however – this could dismiss the reason why .tel domains served a role. Now they are just like any other domain. And for those that don’t know what a sub domain is – an example will be frank in http://frank.pilone.name. Continue reading December 2016