Tag Archives: finances

Things are ungood

My economic situation has not been good lately, and neither has my physical situation.

Let’s get to the physical situation first because it’s almost funny.

I had to use the cards I got paid with from the job I was laid off from to go to CVS to buy a few groceries on Saturday. In the process I had to remove my keychain from my backpack I use like a purse so they could scan my loyalty  card and I forgot to put it back on the bag. So I had to go get it back because keys Etc. So, about a half-mile out my shoes untied themselves and I had to re-tie them so I wouldn’t trip over them. I got the right shoe tied no problem, but as I was tying the left shoe I lost my balance and fell down, and as I was getting up I did something and my right glutes started hurting and not working up to tolerances, forget specs. I was 0.6 miles from Casa de El Poeta when I decided to exercise the better part of valor and return to the house without my keys. And I did, staggering like a drunk to go read comics in the newspaper and on my computer and rejoin the game group in progress, where I was introduced to our new hacker as a local legend, The Old Man. I didn’t get much done in-game, but stuff was accomplished without me.

Now, about the finances, I set things up so that when I get my SS payment some goes into the firewalled account that I can only access by coming in-person and chatting with a teller to transfer money to an account that has external access, and some to my regular savings account that I can get to by finding an ATM and using my card to withdraw cash, or by coming in-person to transfer money to an account with direct access. The firewalled account draws more interest than the other two, and I use it to accumulate money for things like taxes and insurance. This way I don’t spend the budget for taxes and insurance on other stuff and I get more interest than sticking it in the checking account. The money in the savings account is for other things and to accumulate until I have enough for some big ticket stuff I can’t just pay for out of petty cash. What’s left is Petty Cash.

I also arranged for the money from closing the trust to be deposited in the firewalled account for taking care of taxes and insurance this year. I expect the firewalled account to be very flush by this time next year. As the saying goes, I may be crazy, but I’m not stupid. I’m making sure the house is taken care of so we don’t end up on the street.

And that’s enough of a peek into my finances for now. As for the rest of it, my glutes still hurt but I’m walking close to normal now, just need to use the cane a little more than usual.

Things have been too hectic to write much lately

Both externally and internally, things have been busy in the ramp up to the election. So much so that sitting down at the laptop was basically impossible. Collecting my thoughts enough to get them out my fingers got me running inside my mind so much that I just gave up and decided to experience the moment instead of trying to analyze and record it.

On politics, we had a 50-50 day here at Casa de El Poeta, Beto lost, but Colin won, and I still haven’t found out if my state rep is the Tea Party loser from the last 4 primaries or the Democrat. The seat was open as the woman who beat the Tea Party loser in the primary decided to spend more time with her family and less time getting threatened by party bosses. Google finally got me to a 100% ballots counted and the TP loser lost again. The TP crazy that was my state senator lost to the Democrat. It won’t change much in Austin, but at least I will have a voice in my state government. Now maybe we can get something done about the crazy traffic laws, like reducing the minimum posted speed limit from 50% fatal to pedestrians (and cyclists) 30 MPH to 5% fatal 20 MPH, and a 3 feet to pass law for cyclists and pedestrians. Anywho, anxiety about what level of crazy was going to represent my views in the legislature as well as in the Senate and Congress prevented me from organizing my thoughts enough to write.

Physically I haven’t been sitting at the computer for writing much either, as I have been away from the house more than usual, for self-care. I got a massage, and did some shopping at the Harbor Freight, and last week I got my toes done so I don’t claw Mrs. the Poet in my sleep. I still need to get a haircut, but that will have to wait until I get more funds. I’m down to the point I need to conserve money for bus fare until the end of the month.

On the T-bucket front after last week’s assessment of assets I came to the conclusion that a mid-engine bucket is out of the question from a ride and handling standpoint. The parts I have are just not right for a mid-engine car, and the unsprung weight would result in tires not spending time in contact with the road surface. Front tires not on the road causes massive understeer no matter what you do about front to rear roll balance, if the front tires aren’t on the road it doesn’t matter what you do with the steering the car won’t turn.

And that’s about the limit of what I can get my head around to write today.

I’m annoyed

I went out to get a massage today, but when I stopped at the ATM to get the money instead of a $150 balance we were $165 in the hole. Somewhere along the way about $280 left our account before the overdraft charge. I didn’t do it, and Mrs. the Poet doesn’t recall doing it, which leaves either an authorized automatic withdrawal that was much larger than budgeted, or an unauthorized withdrawal. Mrs. the Poet plans on calling the bank for a transaction record to see where the money went, I can’t do it because technically it’s her account. I’m on the account, so I can write checks and make deposits, but stuff like this requires Mrs. the Poet to initiate the process.

I wouldn’t be so peeved except I was already out the cost of bus fare when I found out we were at a negative balance and had been on the road for over an hour. So basically I spent $2.50 and 3½ hours of travel time to do nothing. Had I been able to get my massage I would have been in the rush hour headway for the trip back eliminating the long wait for a bus back home, but I had an hour between return buses after I discovered I had no money to pay for my massage, and another half-hour at the transit center waiting for the next bus home.

The good part is all the walking I did came close to maxing out my Sweatcoin collecting. Almost the full 5 Sweatcoins I can get at this level of membership. Not the same as I was doing when M+Points was at its heyday, but about the same as I could get near the end. I was down to $1 a week at the end, about what I’m making now. If I walk really far I could collect $0.25/day, which if I could do that every day would be great, even more than I made collecting M+Points. You already know the bad part. I also did some more thinking about the Sprint-T but did not come to any new conclusions.