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Post by X factor on Jan 24, 2021 15:56:43 GMT -5
I don't open fiscally potentially threatening bills on the weekend or outside of business hours, here's why
You know how you get those letters, now and then that just make you wonder if behind on a payment, or this or that, or maybe from DMV, or other Gov labeled mail, well when I get those I don't open them until business hours, why?
Cause why burden self with bad news you cannot resolve outside of business hours?
Say it's Saturday evening, and you open mail that says you owe $400.00 'or else', and to call this number M-F 8-5 pm....well what's the point of opening that mail if can't do anything about it till Monday, now all you've done is dragged down your weekend cause now you'll get upset, dispute it in your mind, but doesn't matter if they're wrong, cause now that mail, or notice is in your head for rest of weekend.
So what I do now, is if I can't solve issue I think may be in mail, I don't open it until I can, as to not needlessly worry about stuff.
Makes sense to me, especially these days with so much doom and gloom going around.
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Post by X factor on Mar 11, 2021 2:57:21 GMT -5
Feels so good to be home after long shift at work Let's face it, if have to labor all your life, just to always remain 1 year or less ahead of bills, than it's a form of servitude with benefits, and you know, maybe that's just as good as it gets for most, even in world history. But to be honest, if going to labor for so little in return, would rather just return to olden days when people had like 40 acres of land to manage however, that way, sure, you still have to work and toil, but at least doing it for 'self' and or family, or 'group', and not for some measly income. 40 acres of beautiful land, forested land, with a meadow, and growing around and animals VS a small cramped apartment working at Walmart..hmm Give me my 40 acres of land please, I'll take my chance with 40 acres, and naturally grown food, some livestock, and free to roam the country side as I see fit, I'll take that any day over a low wage and living in some urban apartment around dangerous people.  I'd much prefer the above, land, where could make own rules for life, walk around naked if I wanted to, wake up when I felt like it, no Government rules or taxes, just live as wild free animals do. If I were incharge of nation I'd give people this option, for those who just don't want to be apart of the 9-5 BS anymore, if ever. Back in the day, neighbors would help neighbors build houses, cabins, for free, once built, it was yours, no bank to pay back over a 30 year period, it was just yours, from day one, and I think if there's a god, a good god, I think god would prefer that over todays way of doing things where now have to practically be a millionaire to have a mountain home or cabin. And then if can actually afford as a working class person, never there, cause working so much to make payments on the house and land, then when can finally enjoy, to old to. This current system not as good as people think. Stupid older media conservative types think you either have to worship greed and capitolism or you must be an extreme communist...no...some of just just want to be 'free' and not apart of either system.
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Post by X factor on Mar 12, 2021 1:47:10 GMT -5
Being poor doesn't mean you're unhappy, not until older anyways
Being fiscally poor doesn't mean one is unhappy, as media types like to portray it, but what it does mean is as you age, you have less options of escaping labor.
Well, I guess after this massive spending bill, some private pensions funds can now be replinished and funded.
I have mixed views, at first I'm thinking waste, but then, I don't know, these States, pension plans ect, they're all a collective part of Americans and America after all, I guess I'd rather have as many parts of this nation healthy, than some parts sick, assuming money ever flows to where it's suppose to go, which is highly unlikely, as usual, most of it just vanishes.
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I'm still healthy, fit, but for how long?
And because I labor for a living, when can't labor then what?...a homeless tent?
IF don't have family to fall back on, and can no longer work, earn a income, then what?
I try not to think about it.
Right now just wore out from such a long shift, not to mention I work out while at work, cause once home, don't want to be bothered with working out, so I work out while at work, during 'wait around' times.
So I combine two things I don't like into one, then when off work try to only do that which I enjoy.
Tonight, I think I'll just crash early...have lot's planned for tomorrow.
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Post by X factor on Mar 16, 2021 11:01:28 GMT -5
My problem is is I just don't have enough money saved up yet to do anything 'grand' or life changing..I have like just enough saved up that whatever I do, it would take near all of it, and that's a risk.
One can easily spend a years worth of labor, all in one transaction..and when people take your money, they don't care.
And it annoys me how rich people never seem to have enough money, like sucker vampires or something, as far as seminars, this member fee, ect, like blood suckers they just take your money, and don't care how devistated you life can be if broke.
They can and are millionaires, set up seminars, and still take peoples money, and never tire of doing so.
I'm at saving point where got to be ever so careful, cause you start getting 'restless to spend', and when that happens, if not careful, when again dump a years worth of savings on something stupid, some stupid 'venture' or seminar or this or that, or a new car.
Cause just saving and never spending, let's face it, that can get boring after a while, but so can being broke.
But when have money saved, and don't spend, it feels the same as being broke almost.
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Post by X factor on May 29, 2021 12:05:42 GMT -5
Poor persons A/C A/C went out, and until I call the maintanance person to come fix it, I need a solution. I've been online looking at those min desk top coolers, but the reviews aren't so good.  I mean the reviews I read aren't to good on these devices, but they sure look oh so cool in the adds. Basically a small fan blowing through cooled water, which soon reaches room tempurature. So I figure why not just use large fan most already have, freeze some bottled water or fill jugs and freeze them, and then when frozen place them instead in front of computer and all for free. To me that makes better sense, and will try it out later today or as soon as water jugs freeze, I'm eager to see if this does indeed work. When poor, 'what works' doesn't always have to look pretty.
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Post by X factor on Jun 4, 2021 3:43:17 GMT -5
How the heck is anyone really free if always working all the time just to pay basic rent and other basic bills?
Millionaires and talk radio hosts always rail against raising minimum wage, well then let them trade places with a hourly worker type and try paying rent that's $1,400.--
And this idea that 10 to 15 hour jobs are just for people starting off in life, are you hobbitding me?
There are many in their late 20's, 30's, 40's, 50's, 60's, earning that today.
This isn't the 1960's for crying out loud where there was always a natural curve of pay increase, now there's pay ceilings, where you're stuck at certain pay, even if work at place for 20 years.
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Post by X factor on Jun 4, 2021 3:45:12 GMT -5
I mean if all one does is worry about how to pay bills, and works all the time, it just really kills the joy of life, yet Biden about to just cut another 5 trillion dollar budget for the rich, yes for the rich, cause obviously that money isn't helping normal working class types.
Repirations for the rich, is what I call it.
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Post by X factor on Jul 4, 2021 12:54:15 GMT -5
One way I save money is by just not going to the store all the time, and convincing self I need a fridge full of food, cause I don't.
I was homeless once, lived in van I had, and you'd be surprised how little you can live off of, but then when back in 'the system', place of own, and the luxuries of, we start convincing ourselves that we need all this stuff again, and food, lot's of food, but we don't.
I convinced self that had to go shopping every week, and spend 70 + on food, but I don't.
When homeless could, would, live off of crackers, and canned meat, as in sardines, stuff you could eat in one setting without it spoiling.
If I go to store right now, I'll spend no less than 20-30 bucks on stuff I don't need, sure stuff I want, that looks tasty, but stuff I don't need.
I don't need fridge to be packed all the time, if I have water, and some canned stuff, potatoes, rice, eggs, I'm fine.
Now if had large family, many mouths to feed, that's a whole different story.
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Post by X factor on Nov 25, 2021 23:33:15 GMT -5
The worst part about being income poor now days, is having to live around certain types, people, with a totally gutter mentality, totally inconsiderate class of whatever.
People born, seemingly with the sole purpose of making life miserable for others with their behavior.
I wish I were rich simply so could not live around such types.
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Post by X factor on Feb 3, 2022 7:47:59 GMT -5
When younger, should of taken job with the State or County or any Gov entity so that when older could get nearly free medical care.
Even if just sweeping floors for the Gov, you get nearly free health care, and as you age, health is everything.
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Post by X factor on Feb 7, 2022 14:41:19 GMT -5
Here's the thing about paying off debt when poor
When poor and have bad credit cash is King.
Now lets say you have 5 gran in the bank.
Let's say though that you have bad credit, but told if pay off 4000.oo of that credit you're credit score will improve.
So say you pay the 4 gran, now you have just 1000 dollars in cash...and won't really reflect on credit for months, if even then.
So now you have no more cash cushion, so say your car breaks down, say you got to go to the hospital but have no insurance, I mean just name you calamity, well now you're back living check to check since spent all your savings on paying down your back debt so credit score can go up.
So what are you going to do if something goes wrong?
Now you either have to borrow the money or, yep, apply for credit again in order to charge it to a card.
So what do ya do, pay down past debt for a better credit score in the future, even though that will leave you near broke, or do you continue to just save your cash, and don't bother paying down any past debt until you at least have a 8-10 gran cushion, after paying down or off past debt?
It's a personal choice I suppose, and depends on personal circumstances.
I mean if married, one person can pay down their debt and if something goes wrong at least two incomes coming in, but if single, and your labor is the only source of income, what do you do?
Pay off your debt and then just hope nothing bad goes wrong for 5 months until build your money up again??
It's a hard knox life like Jay-Z and Little Annie both said.
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Post by X factor on Feb 7, 2022 14:47:06 GMT -5
Here's the thing about paying off debt when poor When poor and have bad credit cash is King. Now lets say you have 5 gran in the bank. Let's say though that you have bad credit, but told if pay off 4000.oo of that credit you're credit score will improve. So say you pay the 4 gran, now you have just 1000 dollars in cash...and won't really reflect on credit for months, if even then. So now you have no more cash cushion, so say your car breaks down, say you got to go to the hospital but have no insurance, I mean just name you calamity, well now you're back living check to check since spent all your savings on paying down your back debt so credit score can go up. So what are you going to do if something goes wrong? Now you either have to borrow the money or, yep, apply for credit again in order to charge it to a card. So what do ya do, pay down past debt for a better credit score in the future, even though that will leave you near broke, or do you continue to just save your cash, and don't bother paying down any past debt until you at least have a 8-10 gran cushion, after paying down or off past debt? It's a personal choice I suppose, and depends on personal circumstances. I mean if married, one person can pay down their debt and if something goes wrong at least two incomes coming in, but if single, and your labor is the only source of income, what do you do? Pay off your debt and then just hope nothing bad goes wrong for 5 months until build your money up again?? It's a hard knox life like Jay-Z and Little Annie both said.
Cause when have cash don't need credit, unless trying to buy a house, but other than a house, usually large amounts of cash 'talk', enough cash down will get you a car or just about anything else any common person would want....but if broke, near broke, and then again have to rely on credit to get anything, than just putting self in same position again of depending on credit. |
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Post by X factor on Feb 12, 2022 7:44:08 GMT -5
funny or sad how the bible written is such a way where it makes poor people feel obligated to serve the wealthy, to pay down debt ect ect.
Notice how the bible written in such a way that if you're a slave or servant, it's your godly duty to serve your master? hmm, how convenient.
Is that the mindset of 'God', or is that the mindset of those who wrote the bible?
You decide.
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Post by X factor on Feb 12, 2022 7:45:53 GMT -5
funny or sad how the bible written is such a way where it makes poor people feel obligated to serve the wealthy, to pay down debt ect ect. Notice how the bible written in such a way that if you're a slave or servant, it's your godly duty to serve your master? hmm, how convenient. Is that the mindset of 'God', or is that the mindset of those who wrote the bible? You decide. |
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Post by X factor on Feb 12, 2022 7:48:56 GMT -5
I don't get how slaves could of converted to Christanity, I mean a god that would physically demoralize 'you', a people, treat you like crap forever (to the slave it would have been forever, from cradle to grave).
Then the people who are mistreating you, have defined you as less than human, convince you to worship their god that makes them treat you that way to begin with, no thanks, I would of said had I been a slave.
I'd of rather worshipped the devil, than a god who made early Christian, or colonial Christians as heartless as they were towards their fellow man.
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