Saturday, July 15, 2017

Monthly Financial Update

Ok, so, things are bad.

Explanation of how they got that way in the next section, if you want numbers skip to the section after, if you want just numbers skip to the last section.

* * *

I think it's like this, six months ago I was planning on trying to turn things around in a number of ways and some of that involved buying stuff for home improvement, food storage, and other things.

Five months ago, before any of the stuff had even arrived (I ordered online), I broke my ankle in three places while taking the first real steps toward cleaning up the house as part of the whole "turn things around" initiative.

As in, after much thought over the optimal order to do things in, I figured out that "move these flattened cardboard boxes downstairs for storage" was the best thing to start with, and it was while doing that that I fell down the stairs and great injury and agony ensued.  While other people might fall halfway down the stairs, I went all the way from the landing (flat area at the top of the stairs, ground floor level) right down to the basement stairs.

So that fucked up all plans, including the ones involved in paying for the stuff I'd bought for the "turn things around" initiative.  Interest deferred for six months and all that.

From there, for three months or so, I languished and everything was terrible and I couldn't do much of anything but lay on the floor with my ankle elevated and play video games on a console.  (First time in my life owning a console, by the way.)

I . . . kind of got financially reckless in the name of preserving my sanity (by buying things with which to preserve my sanity.)  There might have also been some purchases related to being able to survive physically, I don't really remember though.  Again, interest deferred for six months.

And there are the usual non-monthlies, and also when my computer was replaced (it's been repaired at least once since then, but this is definitely the replacement) the warranty didn't give me enough money to buy the replacement (the perils of buying something on sale when the warranty is for purchase price) so I had to pay the difference, and I had to pay to back it up, and I had to pay for an external hard drive on which to put the back up, and I think there was other stuff too.  That also had deferred interest, but for way longer than six months.  It, however, happens to run out exactly when all the other stuff is.

* * *

Right now I'm agonizing over whether or not to buy new glasses because I really want to but if I do I'll fall short on the regular monthly expenses that I'm supposed to be able to cover, God damn it.

I don't even know what fucking happened there.  The SSA cutting me back to a level I can't live on only accounts for the non-monthly expenses being nice little disasters.

Speaking of, $288 is over due for one of those.

Put together that past due thing, the regular expenses I can't afford, and the stuff that I need to pay off by the end of the month to avoid retroactive interest, and it comes out to $663.55 I need this month.

Next month taxes are due and I really fucking need to pay them on time this time.  Taxes in themselves are less than $20 shy of the entire total I just listed for this month.  Put everything together and it's $986.30

The month after things go down to $465.97, and then everything goes to shit, but not quite as badly as I expected because for some reason I got months swapped when making my chart of all this and thought taxes were due then.

Anyway, that's six month stuff, computer stuff, and . . . I thought there was something else.  Probably my putting taxes in the wrong month or something.  Comes out to $1815.54

And then, just when all of the deferred time bomb shit winds down, that's when taxes and insurance are due in the same month: $954.23.

It's all Hell and I don't see any viable way through.

* * *

Just numbers.

Need but do not have:
This month -  $663.55
August         -  $986.30
September  -  $465.97
October       - $1815.54
November   - $954.23

Total: $4,885.59

Conclusion: I'm completely and utterly fucked.

Do recall that you can donate to me via Paypal, upper right hand corner.  Unless you have a Paypal account and are using money from that account (i.e. not a credit card), in that case it's actually a lot better for me if you log into Paypal then use the "Send Money" feature with my email address: cpw [at] maine [dot] rr [dot] com (that way Paypal gives me the full amount.)

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