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I need a credit card (i think)

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daywane:

--- Quote from: danny_galaga on July 18, 2009, 03:15:26 am ---
--- Quote from: protokatie on July 17, 2009, 06:08:09 am ---Danny, it is all about how much you OWE not how much you OWN. It is a sick system, to the point that fiat money is mostly given value based on debt to banks, and not any real world intrinsic value. A few months back I posted a thread on how money is made (it isnt made by the treasury of any nation, but by the banks).

The only time a bank will care about what you own is as collateral against you failing to pay interest (plus principal, of course...)

--- End quote ---

Well, like i say, i chose to ignore accepted practice, and lo and behold the bank was happy to roll with it. I owed no one anything, and all i owned was a crappy second hand car...

--- End quote ---

Banks here do not work that way. Seems strange to me.

as for my 401K is , I think it is crazy to toss out close to $100.00 a month (company match) out the window.

I think I can recover the $100.00 a month in utilities.
! thing I have found a leak I have had for some time. (At least I think I have had it for a very long time)

My house has a concrete slab floor. 2 weeks ago water started flowing in my bathroom floor. (this happens from time to time on large rains.)
but it never quit. I was in the hospital at the time, talking to wife on phone, She described the problem... I thought about it and said we have not had that much rain in a few days. I called my brother up. He turned off water valve to main  line, Problem is gone.
2 days later I am out of hospital. I had my brother cut the expected bad pipe. Capt it off and problem solved. I have lost cold water to kitchen sink and clothes washer.

My temporary fix is a garden hose to the kitchen sink and washer ... This is only temporary till I fill better. I will find the other end of line in the wall as soon as I can and put a new line in.

my water bill has allways been much higher than neighbors. I all was thought it because my wife is a house wife, Home 24/7

also I hear the electrick company charges differant rates at differant times of the day?

I will check this out also. My electrick bill is also much higher than all neighbors also.

Fordman:
You are correct about the electric company charging different rates. 2:00pm to 11:00pm are considered 'Peak Hours' and that is when you are charged different per killowatt hour. Some states regulate the 'Peak Hours' and others dont. Mississippi & Alabama dont regulate their eletricity suppliers so usually the home owners get raked over the coals during 'Peak Hours'. Peak Hours are the hottest hours of the day which usually drain the grid more when air conditioners are running full blast.

If you need the dollars now to pay bills or to eat, then stop the 401K contibution only temporarily. Then when your back on your feet, then start back up again.

All kinds of ways to cut down on the bills. If you have cable or sattelite, cancel it. Shop around for cheaper car insurance (although cheaper doeant mean better). Do you have a term life policy payment that you can put on hiatus for 6 months? Do you use store brand instead of Charmin? (Tough decision there). COUPONS COUPONS COUPONS! Use your local library for movie rentals instead of Blockbuster. Homebrew some iced tea instead of soda. Recycle the cans, plastic and then find a McDonalds or gas station for your real garbage and dump it there (instant $60.00 savings per month). Plenty of cost cutting options! I couldnt believe how much I was wasting on stuff until I had taken a personal inventory and it blew my mind! My monthly savings are round $1100 a month now!

Hope you feel better and get that leak fixed before you have slab/foundation damage!

Fordman

protokatie:

--- Quote ---then find a McDonalds or gas station for your real garbage and dump it there (instant $60.00 savings per month).
--- End quote ---

Dunno about a 60 a month savings on that (how much crap DO you throw away a month?). But on another note; using such facilities to dump your personal trash can get you into trouble. It is theft of services, and as you are using private property to do it, trespassing. If they have locks or doors around their dumpsters, and you circumvent those obstacles, you can add a potential breaking and entry (esp if they have a "no unauthorized dumping" sign).  I have worked at places (C stores et al) where we had to go after people using the dumpsters for their personal trash. It costs a lot of time/money to clean up when those things get over filled (the trash guys refuse to pick up the refuse if the dumpsters are over loaded).

Fordman:
Here where I live, it's $60.00 per can per month. It is that exspensive because we are running out of landfill space here, but no one wants a new one in their area, so its to help encourage recycling.

Here's where the 'DUH!' factor comes into play. You dont throw away receipts or anything with your name or account transaction ID #. That stuff gets shredded. After we recycle, we really dont have that much real garbage and the garbage can out in front of a restaurant or gas station is perfect for the real garbage that we do generate! I'm not talking about 3 hefty bags full of garbage and trying to dump in a dumpster!

 :cheers:

Fordman

ChadTower:
Where I live there are no landfills left.  The towns all pay a third party service to do curbside collection and ship it off to NJ.  Even here it's $125/year + $1.25/bag.  Recycling is included so if you consider my household average at two adults and two kids we put out 1 bag a week and 2-3 bins full of recyclables.  That's roughtly $10/month service fee plus $5 in bag fees for $15 total.  You'd have to be putting out ten full bags of trash every week to spend $60/month on trash disposal or you'd have to be constantly throwing away furniture and TVs (special waste comes with extra fees).

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