Spending versus saving

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I was about to write: your posts are so beautiful.
Then I read about CK 007's difficulties, I'm sorry.

I used to be used to always getting by on my own.
My parents were never around.
My friends were often well-dressed.
I had holes in my shoes!
I didn't care, not even they.
You know about the installments: my father was obsessed with meeting expenses.
He never took risks, he did things halfway.
If he invested money in safe things, he only invested half of what he had available.
He started paying off debts several years ago.
I was young, I think my intuition for numbers saved him.
I took care of his accounts.
Statistics have always interested me, I was very young, but I told him that in two more years he would be bankrupt.

I told him to put the business up for sale.
At first he said no.
Then, closing the income and expense ledger, I told him to close the company.
We managed to sell it in just two years.
He never thanked me.
It was normal for him that I had a talent for numbers and intuition.

Well! I stopped paying his debts two years ago.
Lots of installments on everything.
And letters to which I responded immediately, also because at the time, law was in my best interest.
And I wrote them immediately.
The debt figures were then reduced by 75%.

I cited all the Supreme Court rulings because one of those is law here.
In reality, I could do several well-paid jobs, only my autism is socially limiting; people stress me out in the long run.

Until four years ago, I thought: if there's a way to make money from an idea, I'll have it.
Even with small winnings, I found a way with my arithmetic methods.
Shopkeeper: Is that possible?
They've been trying to win that game for a week, and you win with 3 out of 4 tickets.
She gave them to me, surprised.
It was Saturday: my calculation was exactly the same as the time elapsed and the previous bets.
And the method of 4 consecutive tickets of 5 euros each.
I won exactly enough to pay a tax the next day.

Living for money isn't my thing.
Living decently is.
So I did, I'd like to see him and tell him, everything's fine now, but he's gone!

§
The rest of the posts: I love cats and dogs.

Whenever I've been in trouble and lost in the woods, I've always found either a cat or a dog who led me to the path to get out.
Very strange thing.

However, a dog, and perhaps even a cat, has an immense capacity to understand what we say; they understand 20% of what we say.
Besides understanding when you're messed up.
The strange thing was that during a difficult time, I met a beautiful cat, and he stayed with me for a while, then I don't know where he went.
I walked further and a Golden Retriever approached me.
He stayed with me; he understood that I was sad.

They are wonderful animals.

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An acquaintance of mine did the same things to care for her elderly cats.

Only two of them, who are no longer with us due to old age, were in the care of a capable person.

Another thing that doesn't make sense...

One of them died, then the other one months later.

We smell a strange smell of cat urine in the house.

But all of them, it coincided exactly with their passing.

I can't seem to make any sense of it: but then, half an hour later, the house smelled good again.

As if they'd said goodbye in their own way.

on one hand, my sole source of income is a minimum wage job, part time, and unstable. my sister has been threatening to sell the house that i live in, and when she does, i have to pay rent. grocery costs and other costs have been skyrocketing. it is really hard for me to find a job and not get made redundant, b/c i have an unlikable personality and zero job skills.

as a result, i should be saving $$$$ and cutting expenses and doing extreme things like:

coupons
growing my own vegetables
"america's cheapest family"

______________________________________________________________________________

on the other hand, if, tomorrow, i get shot with a gun and drop dead, $$$$ won't do anything for me, so i might as well waste it while i am still alive.

I'm sorry.

But if she sold it, I think part of the house would be yours, and therefore the proceeds would be yours.

Unless she made sure your share ended up in her hands.

*You can have an appraisal done on the house and sell it based on that appraisal alone.

I don't know your state's legislation, so I'm not qualified to give you any advice regarding Opposition to the Sale.
Would you end up on the street? Does your sister understand this? Or is she unaware?

I'm alexithymic, but her behavior seems to me to be devoid of any feelings toward you, and I don't know your dynamics.

*You can ask her to help you find a full-time job.
So you can give her more money.
*If you want to avoid the sale, make it less clean or highlight the defects clearly when potential buyers arrive.

You have to defend yourself somehow.

*You can protect yourself somehow. People look first at the paint on the walls, then at the fixtures, and form their own opinions about things related to appearance.
Slant paintings even slightly or add personal touches; there's nothing that makes buyers feel more uncomfortable, except mold, unpleasant odors, and unpleasant neighbors.

A while ago, I passed two seller selections,
but I gave up.

If you also sell objects and have a good knowledge of modern antiques, know that you might find valuable items and resell them.
The people who keep them in their shops often have no idea about their value.

Sometimes I use an app to determine if a vintage item is valuable.
It tells me directly what it is: just scan it.
And sometimes I go to auction sites to understand auction prices.
If you had a full-time job, you could ask for a paltry raise by calculating an apparently low figure.
Except that if multiplied by a year, the weeks of pay can increase, or even just the extra days.
No one will notice at first; perhaps only the payroll workers will.

You can work for simple tasks, working with independent older people, but with age-related difficulties.
By presenting written references from people who attest to your integrity and honesty—true ones, therefore—you can evaluate potential ads or contact other people who know older people and ask them if they've requested help: grocery shopping, or to be accompanied to visits, or to go out for a walk.

Sorry if I've written things that aren't helpful to you.

*One strategy could be to buy when the products are close to their expiration date.
You'll find them discounted.
*Another strategy is to offer to help food vendors or restaurateurs, because they'll understand they can help you and perhaps get a discounted meal or free food.

The best solution, however, would be to not care about their skills. Apply for a job anyway.
If you don't know how to do it, try to learn it; even for free, it will initially be considered a good qualification for getting it.

Look for extra work: dog sitting, for example. Learn how to handle dogs first, because you can take more than one out.

Look at the prevailing activities in your city and try to understand what people do most, even if it's gardens to tend, plants to prune, or things like that.
Take a simple course, and you'll have the chance to have it certified that you know how to do it, and try not to underestimate yourself, because that's easy to happen when you're in a psychological crisis.

I would never do this with my siblings.
Always help them, and vice versa.
Each as they could.
The other gave back over time.

I wouldn't leave a sibling on the street, or want someone dear to me to be there.

Disgraceful behavior.

*To dress well (at least in our country it's easy), you can turn to organizations that help people in financial difficulty.
Or, and I don't know if they exist in your area: there are church markets.
I usually give away things I don't use; I don't keep them in a closet gathering dust.

They can help people in crisis.

In big cities, there are tons of people queuing up to eat, get dressed, and of course, get washed.

Generally, Italian municipalities don't like leaving people on the streets.

They tolerate them because they have so many different stories in their past.

Some are mentally ill and would never live in a house again.

Other people accept help and have housing.

But it still bothers me when people ignore them.

Sometimes, for example, on the subway, you see some really strange people and you don't know what to do.

Today, a friend of mine sent two photos of an older man with very white hair and dirty clothes. I can't post them, obviously, but I noticed that in both photos, two girls sitting nearby were watching her take her wonderful photographs (she's talented), and they weren't judging him.

But I don't understand those looks from the people sitting there.

Okay: everyone does what they think is best for themselves.

But they're people who are empty inside.

Same here, bud. It's hard to spend money when you barely have the energy to leave the house.

Also, I don't think many Aspies are all that interested in keeping up with the Joneses or following trends to be popular, so I imagine that helps towards saving more.

That could be some of it. It may also be that they're full-time instead of part-time & perhaps even work some over-time. They could also be getting paid more an hour due to their job position(I'd imagine that lot attendant is the lowest class), having been working there longer, having more experience or qualifications when they started, &/or get better performance reviews

Paradoxically, it's worth getting into debt.

It depends on how you spend it.

If I have a company and I spend on innovation, first I'll have a debt, then I'll repay it with the proceeds until I pay it off, sometimes well before the agreement is reached, as happened with Chrysler, which repaid it several years before the settlement.

Marchionne succeeded.

Too bad he became seriously ill and is no longer with us.

But the paradox of modern economics we studied in school centers precisely on debt.



Many have a terrible habit: not paying their condominium bills.

It turns out to be an outstanding debt, and the other condominium owners, according to the law, are in trouble; they must pay the outstanding debt in Italy, otherwise they'll have problems with the energy companies.

I'll start with the best solution: taking out condominium insurance that covers these not uncommon risks.

I don't know if it works like this in your area?
Creditors must initially take action directly against the defaulting condominium owners, but who pays if they continue to default on their debts? In such cases, unfortunately, creditors can turn to other condominium owners who are in good standing.
That is, if my neighbor doesn't pay, the creditors take action against him.
But then they take action against the honest people who have paid their bills regularly.

This also entails two other things: filing a lawsuit, and perhaps not being able to sell one's apartment if one is in debt.

The utility company, however, favors the person who doesn't pay by reducing the water and energy flow to the non-payer, bringing it down to 20%.

Another paradox: if a person doesn't pay, they shouldn't have anything.

Nikola Tesla thought he could provide free electricity to people.

Clearly, the US electric company told him absolutely no.


When purchasing, it's best to check the purchase terms, and if the asset is susceptible to deterioration, it's not worth paying in cash at all.

For example, if I buy a car, it's better to pay for it in installments with the option of exchanging it for a new one if it breaks down permanently or has a series of problems.

If you're richer, companies will trade it for you without any problem.

Set aside the bare minimum to live on for a year.
No more.

Let's say there's a bank failure... the first creditor is the customer with the least means, so with a balance of less than €100,000.

Where I live, they consider you poor if you don't have at least a checking account of this size.

Another thing: sometimes it's better to rent.

As a homeowner, you pay a lot of expenses, even if you own one, in addition to the obvious ones of bills and waste disposal.

If you have more than one home, it's better to sell it; by inductive calculation, over 30 years, you could pay at least €90,000 in house taxes.

Our public debt is significant, but we only owe a quarter to foreign creditors.

The debt is 75% domestic.

Which means it's in no way in anyone's interest to let us go bankrupt.
Internally and externally, we would no longer pay interest.
Economies that appear to be functioning aren't functioning: Japan, for example, pays a lot of interest.

Which, however, holds significant portions of the US debt with China.

But no one would let the US go bankrupt.