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
This month could have been better. The medicine still isn’t working as well as I would like it too. Will be seeing that doctor in a couple of weeks. In the meantime, that doctor doesn’t seem to have much of an interest in communicating with my pain psychologist. In addition, the case manager I received have been of no value, and don’t even have any confidence that he is doing anything for me.
I also canceled my Facebook account. All of the “friends” I had on there had made no attempts to reach out to me, so it shows how much of value that Facebook really had. The handful of people that I had contact information will likely be cleared out in my bi-annual cleaning of my contacts. Other platforms are a little more useful, but not much. Continue reading September 2016
The expired couch that has been an annoyance for 6 weeks was finally removed and taken for the trash. Will just have to deal with an old TV, and monitor. My brother said he will get it, but considering it took as long as it has for him to help with the couch, I hold very little hope. Republic Wireless has decided to not do any updates for their Motorola Moto G3 phones. Thier reasoning is that they want to focus on their new 3.0 plans and devices which is basically telling everyone to go F themselves. The phone will likely continue to function as a Wifi Phone, but if they have no intention on updating the phone because “F You”, then I have little reasoning in continuing to invest in Republic Wireless beyond just the Wifi Only Plan. It’s a shame that OEMs and carriers are allowed to do that to their customers.
Replaced my old phone with one that has Android 6.0 even though 7 is around the corner. From the company’s experience I had with them, I have little doubt that the phone will get any real update. I would much rather have a Nexus device, but there are no such phones with dual SIM. Using a 200MB SIM from FreedomPOP. They offer “voice/SMS” but this is through their proprietary software which means VOIP services. I will just be using the data for free which is again limited to 200MB.
Continue reading July 2016
This month has been much like most months. Got a new couch, but the old couch still remains in my center room. Malak is doing well, and sometimes better than I am. My niece had a birthday, and from my knowledge – enjoyed it. Keeping HBO Now which is my only premium entertainment, and had to buy speakers and a backpack. The speakers was because my PC speakers are failure, and the backpack because the old one failed.
Nothing special planned for June. Will like to try to get to a cheaper grocery store this coming month. Will be doing much of the same thing. Currently working on South Stations for my ACTA Proposal if anyone is interested. Otherwise – all is quiet.
This month could have been better, but as usual, I make due with or without. Replaced my previous notebook which now functions as a desktop PC with a smaller convertible notebook. I will have to make payments on it which is pretty much my entire life. However, the convertible notebook has proven of value – if it is a bit on the low end.
This month was the first month in more than a couple of decades that I went to a food bank. It is not a matter of pride, but always felt as if there were others that will need it more such as children, or elderly. Even with a food bank, I have to take a bus. It will be on the third Wednesday of the month. I will walk down, and take a bus back. This will be the most efficient means. Continue reading April 2016
This month has been a bit hard and hectic. Having intensive therapy has taken a toll on me, but this month, I seen the end of it. I would like to say it has helped me, but hadn’t notice anything really different. Although, no one can say I didn’t try. This month has also seen the addition of two people with Facebook. One will be one of my sisters, and the other will be someone I knew from when I was an early adult. Both are married and doing well for themselves, so that is good.
I am finding it hard to keep ends met. No inflation my f****n a**! Nonetheless, I am pushing to make due. To help reduce my financial impact, I applied with my bank that I have been with for several years for a debt consolidation loan. Since I am seeking to take a loan to eliminate debt, and reduce my monthly payments, I will assume I will have a better chance. On a brighter note (with a double-edged sword), my student loan has been forgiven. Continue reading March 2016
February could have been a better month. While more people made a bigger deal about my birthday than I did, the month was very little to celebrate about. The anxiety and other issues that has been more commonplace has yet to really subside to any measurable degree. This has reduced the quality of life to say. I have been able to get some content for the ACTA site up, but will likely drop rideacta.com, or the very least redirect it to the current site I have been building on. This is due to financial reasons.
Been pushing to try to make $100 which is what I get in food assistance benefits last 1 month. If this sounds hard, it’s because it is. A double edge sword with regards to my life is that I have been approved for student loan forgiveness. This will mean that within a month, my student loan of $32,000 will be forgiven, and therefore pull me a significant way out of debt. The bad news is that $32,000 will be considered as income for the purpose of state/federal taxes. Assuming for 20% on both taxes, that will be $6,400 in taxes – however my income is around $9,000 per month. This will mean I won’t need tax help, but now need to somehow exempt my loan income from my responsibility for taxes as the taxes will be about 70% of my total income. Will likely contact the PA Attorney Bar to see if there will be anyone that can offer free advise in matters such as this. Continue reading February 2016
This month has been a challenging month. Due to some issues, I have been going to an Intensive Outpatient Therapy 3 times a week for 3 hours a day. It takes about 90 minutes to get there, and another 90 minutes to get back home by bus. This has caused a bit of strain on me, which I am hoping it will eventually make things better.
Also, due to finances and compatibility, I had cancelled Project Fi. For a person that made full use of Google Voice and its features, Project Fi wasn’t supporting my needs. In addition, my bill would have been about $30/month which would have meant more work to compensate. In turn, I had chosen to acquire a dual SIM phone with my Life Line SIM in one slot, and Ting for data in the other. I would have wanted to keep with T-Mobile’s 200MB plan, but they have been causing more problems than it is worth, and the cheapest data only plan would have been $30/month which is still not affordable. Continue reading January 2016
Malak has been doing better, and been dedicating time to him. Will not be getting a COL increase for next year, so I will be relying on the same amount of income with everything else going up. Still miss Talisa, but I take some solace (for what’s it’s worth) that she is getting the care she needs, and she’s happy and healthy.
Been given a new medicine which is supposed to take effect this month, but I don’t feel much in any real positive effects. Will give it some time, and let the doctor know when I see him. Also found out will have to have another ear surgery in a few months. They want to make sure the cyst has been completely removed, and that it isn’t growing back.
Christmas was much like any other day (with no buses). On another note, entering an Intensive Outpatient Program to hopefully help address my discomfort with crowds. The pain had good days, bad days, and very bad days. Will of course post information about any progress in January’s post.