Closing Shop

selective focus photography of closed signage
Photo by Tim Mossholder on Pexels.com

Perhaps one of the biggest change that we will be experiencing for 2020 is the closing of our store.

My wife and me have been running that small brick and mortar shop for at lest ten, but less than fifteen years. It has been a grind, and we had experienced a time when it was very successful in its heyday. However, as all good things must come to an end, so must our business.

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When Things Don’t Go As Planned

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Photo by Branimir on Pexels.com

I was expecting our financial situation to take a bit of a breather this month with the release of a few benefits from work. Last month’s loan, though it was not enough, sort of made a buffer to enable me to turn some debts that were late by a month to be updated.

Unfortunately, tragedy struck in the form of my wife’s dentures. One of her teeth which served as an anchor for her dental jacket rot, and her jacket came loose. A dental appointment was in order. I dreaded the expenses.

True enough, the costs were high, and I am left with the feeling of dread and despair. How will I continue? How will I survive? I can feel the grip of creditors tightening at my neck. Continue reading “When Things Don’t Go As Planned”

Paypal Won’t Give Me My Money

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Photo by Alexander Mils on Pexels.com

My redbubble sales rolled in my paypal last Tuesday, on the 15th.

I have been looking forward to this today, because, well, bills got to get paid.

While the money I get from my online shop is tiny, the small amount I get is still a big help in my financial situation.

The minimum payout from redbubble is almost enough to cover a month’s electric bill, or a week’s worth of gas. Like I said, it’s not that large.

Withdrawing funds from paypal is subject to a processing fee. To minimize the cost, I take out funds when the levels are high enough. Generally, that’s when my redbubble payments come in each month (when I’m lucky enough that my sales reach the threshold.) My ko-fi account also is linked to my paypal.

I was looking forward to this day because I knew I met Redbubble’s minimum payout, and I got some bills to pay. The additional funds will be like a breath of fresh air in a claustrophobic situation.

I hurried to paypal when I saw the notification email… and proceeded to transfer the entire amount to my bank. However, my world crashed in on me when I saw this notification error…

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The Worst Financial Decision I’ll Probably Make

I’m supposed to know these things. Financial literacy is my thing for it’s my line of work…

angry bad john art black and white emotion
Photo by Jan Prokes on Pexels.com

Unfortunately, I’ll be making a bad decision real soon, with the hopes of buying myself more time.

You see, to make ends meet and pay my loans as they fall due, I will be refinancing an existing loan so I could get the cash from that, and use the proceeds to pay off the monthly dues of some of my other loans.

Good grief.

Continue reading “The Worst Financial Decision I’ll Probably Make”