Sweating Bullets

My phone might be really close to dying out on me.

wrecked iphone
Not my phone, and seems to be in a really worse off condition than mine.Photo by Skitterphoto on Pexels.com

However, it is an old phone. An Iphone 6s which was handed down to me from my wife. It also had its screen replaced when it took a dive off a high table and smashed its face up.

Continue reading “Sweating Bullets”

Not Really in a Good Place

Hello, everyone. I hope you are all doing well.

I know I have not been posting much this month mainly because I have been finding difficulty to gather up the motivation and inspiration to do so.

people discuss about graphs and rates
Photo by fauxels on Pexels.com

Things have not been going well. Last month, I applied for a loan to help restructure my current loans to give my financial situation a bit of a breather. When my salary for this month rolled in, the payment for that loan was already deducted because I was already billed, yet no fund was received. I followed up to the concerned agency and they said that my loan, although already approved, was still in processing. Well, if it was still in processing, I argued, why did they bill me already? I got a reply along the lines of that is how their system works and that I would get the proceeds before the month ends.

As of today, the month is really close to ending, and I have yet to receive the funds for the loan.

My budget is really tight.

With the closing of our store last month, I have no other source of liquid funds. This debt restructuring that I was supposed to be doing was meant to absorb debts incurred by the business (it is a sole-proprietorship, so yeah, its debts are ours), and the debts we made so that we could live off my salary.

With the fumble that the lending agency did, my tight budget got blown to bits, and I am feeling the stress of it, plus the passive-aggressive assaults from the wife. Both hurts like hell.

Follow-ups have been made, respectable e-mail of complaints have been sent, but they seem to have resulted to nothing. This is one of the problems with dealing with large national agencies. A tiny speck of an individual is nothing against the large machine.

I can be lenient with our family spending. As long as the bills are paid and debts settled, we can buy what we want. However, the current financial situation has put a large strain with me and my wife. So, yeah, I guess I am not really in a good place at the moment.

So, here I am writing about it as a way to vent some stress off of me.

I am still constantly following up the agency for the release of my loan. I have also learned that I am not alone and that others are also sharing my predicament. We keep getting responses that our funds will be released soon. “Before the end of the week,” they say, “or maybe early next week.”

Guess what? I got those exact words when I followed up in the beginning of the month when I saw the billing that was to be deducted from my salary.

I am not too hopeful, but I am desperately wishing that my turn be up for processing and the damn check be finished.

I got bills to pay and mouth to feed, too.

Anyway… *ahem*…

Steven Universe - Peridot In the Toilet iPhone Case by jomzojeda
My attempt at toilet humor

It would seem that redbubble.com has implemented some sort of affiliate program on their system, so if you click on my link (My Shop), and buy from whoever in their site, it would seem I would get some credit off of it. I haven’t actually seen it in action as the only inflow I had so far from that website are a few sales of my design. So, if you are in the market for a new phone case this year, or probably something nifty for your laptop, click my link. There are a lot of designs that are much, much cooler than mine, that I guarantee. Hahaha…

That is all for now, if you made it this far, thank you so much for reading. I hope you have nice day.

Trying Something New For 2020

During New Year’s Eve preparations, while rummaging for things to be used for cooking, and stashing in the turbo broiler we used for Christmas Diner, I saw our electronic keyboard.

I thought nothing of it, but before I stashed it back in the cabinet where it was stored, I plugged it in and hammered a few notes. Hammered because I barely know how to play.

close up photo of person playing piano
Photo by Gezer Amorim on Pexels.com

The keyboard is far from professional, and we bought it for the purpose of studying. For years, it gathered some dust inside the storage cabinet.

However, I had the sudden urge to study music again. Continue reading “Trying Something New For 2020”

The Last Day of 2019

photo of fireworks display
Photo by Designecologist on Pexels.com
I woke up on the morning of  January 1, 2020 with an aching shoulder and torso… what in the world did I do yesterday…
December 31, 2019 had been a busy day. We had to pick up our order of food for our new year’s celebration at home later that afternoon. In the morning, however, we still had some buying to do.

Continue reading “The Last Day of 2019”

When Things Don’t Go As Planned

low angle shot of a tree bare of leaves
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”

The World Owes Me Nothing

ball shaped blur close up focus
Photo by Porapak Apichodilok on Pexels.com

My dreams are dead or dying,
But this I must remember,
I am here on this earth living,
And the world owes me nothing.

In light of everything going on, I have to remind myself that the world owes me nothing. I am not entitled to anything despite everything I believe I am owed due to what I have achieved or done.

Handling problems is hard, most specially when there are people around you dragging their feet. It can be very frustrating, and, frankly, there are times when I am very tempted to give up and keel over with the punches thrown at me.

We are in a financial crisis, yes, but at least my wife seems to be more aware on how to handle our finances better. She insisted on holding the traditional role of budgeting our family’s finances, and well, I hope she has learned her lesson. If you can’t learn your lessons from books and teachers, experience will teach you a harsh lesson you would have difficulty forgetting.

I became more focused on my writing. It would seem that being in a tough situation helps me being more creative. I have managed to turn writing into an outlet, and have somehow polished and honed my skills. There is still a lot of room to improve, I just have to keep moving forward.

If there is something I have learned, is that being bitter about the situation helps with absolutely nothing. I must keep looking at the bright side, and focus on getting to the next day, and the next day for now. I can only chip at the problems that lay before me one at a time. It may seem like it is a large chunk that is unbeatable… but if I take it one slice at a time, it will fall, and I shall be victorious.

I know, yet I keep forgetting, and thus, I must remind myself constantly.

I hope you are doing well, and I hope  you have a nice day. Thanks for reading.

Inktober – Throwing in the Towel (+Other Updates)

With October having just 7 days left, I guess I have to call it. I won’t be able to continue with the Inktober challenge anymore.

Towel

Hello, I’m glad you could join me.

As I said with my title, I can no longer continue with Inktober. I am way behind in the days, and I feel that I can no longer catch up.

I have been swamped with real world obligations, and while that is not necessarily a bad thing, I would hate to make the fun of Inktober become a chore and a burden. And so, I’m calling it.

Continue reading “Inktober – Throwing in the Towel (+Other Updates)”

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”