Owning Your Land

  Hello all, well here's the story for the week. Owning your own land is the right choice. Why do I say that property? Taxes, especially here in New York, are killing people. Me especially. I got my property tax bill for the year, which was over 10,000. the city was nice enough, if you want to call it that, and said I could pay $2375.00 over the next couple of quarters until I make up the full amount. Whether way, the price is too high for a small piece of land I don't own. I must have paid the city millions through the course of the years for property taxes. If I were smart, I would have purchased a small piece of land in the south and kicked property taxes to the curb.

You know this is the moth that all the bills seem to get higher and come in at the same time as I mentioned above the property taxes came with the con ed bill and medical lab bills that I just can't seem to get rid of Since I have a illness that won't let me stop taking test. My medical bills will be ongoing for the rest of my life, so I have accepted that. Has long as my insurance covers the cost of it, I'm good in that area.

Did I mention that it was also my mother's birthday, so I treated her and a few people to dinner and other things that will cost me a bit when the visa bill gets here. Pray that extra money comes my way, or someone willing to sell me a piece of land dirt cheap!

                                                     That's my story, what do you think? 

Happy June

  Hello, all Happy June! well, here's the story so far for the week. June is becoming expensive for me. I had a mall party for my mother; it was her birthday this week. It was small, I took my aunt to see her since they don't live to close. They hung out for a couple of days and we all celebrated her birthday with her. It felt good that I could get them together since they are getting up in age. For the time I spent with them, nobody came out of their pockets for anything it was all on me, and it was expensive. But hey, who can put a price on family right?

 The summer's here, and I'm not looking forward to the dreaded property tax bill that will be here soon. In New York, where I live, I pay around 10,000 for property taxes for the year, and what do I get from that payment? Nothing!! that worths while. I looked at all the tax exemptions that I could get. I did manage to get some and others for some silly reason I don't qualify for. One thing I will say is never move to New York, it's a greedy city, always taxing or finding you for silly stuff. Oh, yeah, almost forgot to tell you I was happy this month only got one Con Edison bill it was expensive, but at least I'm not paying two bills for two different properties since I sold my rental. I look at it as a win, win it comes to saving some money since my rental con Edison bill was about $200 or more a month for an empty house. See, I told you New York was expensive. 

                                      Well, that's my story so far So what do you think?

Collection For How Much?

  Hello all, here is the story for the week. First, Happy June 1Th. Now here's my story. I got called yesterday from a medical office that I deal with. The woman was nice. She told me that if I didn't pay them, they had no choice but to send me to collections for the payment. I asked her how much I owed because I normally paid all my medical bills on time. she said $21. I said, really, you're going to send someone to collection over 21 dollars. I said by the time collections get their fee, you're lucky to get about $5-10 of the bill if that. The paper and phone calls cost more.  I told her I didn't get the bill, so if she would send it to me, I had no problem paying it.

Have things gotten that bad where companies have to send you to collections for such small amounts of money when they are making millions of dollars a month in medical services. Is it me, or is this crazy?

Trying to plan my mother's birthday since she will be in her 80s this year. I have a fear that time with her is fleeing. So, I try and spend as much time with her as I can. You know life is way too short. You just pray that you don't take it for granted or the people in your life for granted. Because, like they say, tomorrow is not promised to anybody. It's a gift

                                                 So that's my story what do you think? 

I'm A idiot!!

  Hello all, well here's the story for the week. I'm an idiot! Here's why I have alerts on my credit cards and bank accounts if something is wrong. I get an alert that says my credit card balance is over, and the balance is about $2000. When I read that, I panic, thinking I didn't spend that much on stuff with my credit card for the month. So, I called the credit card company, and they went over my charges. The way they were saying things to me, it looked like someone got my car number and started charging stuff on it. Because I had not gotten the statement, I could not see the actual charges. So, what I did was tell the credit card company that certain things on my credit card were fraudulent and to issue me a new card right away. They did that and froze my old card until I got the new one. Oh, I was good, right? Wrong, once I got the actual credit card statement t it wasn't fraud that charge all that stuff, it was me. I forgot that I had the car repaired and other stuff I had charges, which made the bill over mu limit. I'm an idiot. What I should have done was wait until I got the statement and then reported what items were not mine. Has this ever happened to you? 

Moving on, I realize I don't miss having my second home that I would have used for a rental if not for Covid and all. Because we have been having a lot of heavy rain. When it rains, the basement of my rental home always seems to get water in it for some reason No matter how hard I try to fix the problem, it always comes back with heavy downpours of rain. Well, that's not my problem any longer. Am I wrong for thinking this way?

                                              So that's my story. what do you think? 

Watch Yourself

  Hello all, well here's the story for the week. First, Happy May. Time is flying, right? Anyway, first thing I went on a mini vacation to the beach and casino, a short 4-day trip. The hotel room was complimentary except for the resort fee, so the bill should have been around $150. Why did they try to bill me $285 for a four-night stay? I had to re-read my bill to see what happened.  You know the hotel, he and I had talked about it, but end up giving me my complimentary nights anyway.

My lawnman that comes once a week to take care of my lawn presented me bills stating that he was charging $180 for one day of lawn maintenance for spring clean up, as he would call it. I had to explain to him that he didn't show up on the day he said he did and that I didn't see anything on my lawn to say that he did any spring cleaning. He removed the price from the bill, saying he had made a mistake. Yeah right!

I always check my bank statements to make sure the bank or anybody else is not taking my money. I caught a bank error where they failed to credit me for interest. I quickly called them and pointed it out to them. They apologized and made the correction after having me sit on the phone for a good half hour.

These are some of the things that you have to pay attention to . Which basically means any bills that come your way that  you have to pay, check and double-check them, and question anything that doesn't look right,

                                      Well, that's my story What do you think?  

I Suck!!!

  Hello all well here's the story for the week, I suck at stuff some of it anyway. For instance, I tried doing the budget gambling thing. You know where you go to a casino and have a set amount to spend on gambling. that was me I had $200 so why when I left the casino I found out that I had given them $400 of my hard-earned money and not the $200 I budgeted for.

 I am trying to write short stories to make a few dollars and I like to write. Started creating short stories to sell on  Kindle shorts and I am still in the writing and creating stages and it's only been 1 year already, see I suck.

Trying to order books from the library through their interloan procedure and the books that I wanted they already had in stock in their libraries.

Most of the time when I have coupons for something that I need I seem to either let them expire or leave them at home.  Or I don't take advantage of the things that are free.

Almost letting my car registration expire because I forget to check on it from time to time. So now I have to run around at the last minute to get everything done with a time limit of like two days.

                           These are some of the things that I just suck at. 

                                         That's my story what do you think?   

Cars?

                                                                       Hello Family

Happy April 1th. Here's the story for the week. Cars why do we have them again? The reason I say that is because I had my car fixed to the tune of 1700 dollars this month before that it was $500. Mind you this car is not that old it's a 2020 car. It's almost costing me in repairs more than the car. Things are so expensive I need the car but if I had a choice, I would take mass transit since I live in New York and the buses run regularly around her. But because of my various doctor's appointments, I need a car. I can't win for losing sometimes.

Do you worry that you won't have enough to retire someday? I do. I worry all the time. I don't want to be homeless in New York City if I can help it. Besides that, because Of my medical expenses, there are enough of them. I need to make sure I have enough for my medical bills which by the way I have co-pays every month of twenty dollars or more for the device I have to monitor my heart. if I didn't have insurance the motoring system would cost me $1100 a month. which I don't have. So being in New York is not only expensive it's scary to live here if you don't have enough money.

Also stuck between a rock and a hard place my partner is up in age and wants to enjoy life I'm the one who wants to save money for my medical expenses he wants to spend some of it to enjoy life. So, I have to work out a balance where we both get what we want Got any ideas?

                                 So that's my story for the week what do you think?