{"id":409,"date":"2021-05-19T02:33:32","date_gmt":"2021-05-19T02:33:32","guid":{"rendered":"https:\/\/moneyaintmath.com\/?p=409"},"modified":"2021-05-19T02:36:39","modified_gmt":"2021-05-19T02:36:39","slug":"monkey-malnutrition","status":"publish","type":"post","link":"https:\/\/moneyaintmath.com\/?p=409","title":{"rendered":"Monkey Malnutrition"},"content":{"rendered":"\n

Found a truly stellar article that outlined the steps to getting out of debt while living P2P (AND I SURE DON\u2019T MEAN PLAYSTATION<\/em>) \/ of course most of it doesn\u2019t work for us thusly or already in effect but it might be helpful to pass along the info \u2026 real brief\/undies only:<\/p>\n\n\n\n

1.  Halt-cease-end use of credit cards<\/u><\/strong> \/ full stop, no more, all done
\u2026 rather than add to a credit card balance, sell something, work more, get add\u2019l $$$ instead of digging the hole deeper and adding interest on top \u2026 yehno<\/p>\n\n\n\n

2.  Create working budget<\/u><\/strong> \/ OK so we\u2019ve been through this \u2026 budgets don\u2019t WORK
Think:  7Qs spending plan \u2026 yeh it\u2019s a mental trick but those are the best kinds \u2026
the 7Qs + cash = taming&training debt monkey; ergo \/ to wit \u2013 money = monkey ohyesss<\/em><\/p>\n\n\n\n

3.  Wants \u2260 Needs<\/u><\/strong>.  Article claims food (in-home\/house-fixed groceries), clothing (thriftshop? I say ohyesss), shelter (home again home again), transportation (getting back home again after not being there) and utilities (making home habitable \u2026 altho\u2019 caves shelter from the elements)<\/p>\n\n\n\n

Cable is not a need, but (at this point in the human experience) the Internet is \u2026 this little section of intersphere relies on the whole wide world of the web so \u2026 yeh, the Internet is a utility, like heat and electricity, or hot running water and flushing toilets.  Don\u2019t need those either.  We can dig holes to squat and still make fire \u2026 might need a permit, tho\u2019<\/p>\n\n\n\n

Somewhere around here there was a discussion about this \u2026 food, clothing, shelter, healthcare, and purpose\/reason to live \u2013 got to eat, got to cover the body up, got to protect the body from the outsides, got to fix the body when the insides are broken, and got to give the body a reason to keep going.  So wants v. needs really depends on personal circumstances so not as helpful as initially supposed but could be if given some thought probably should but later moving on<\/p>\n\n\n\n

4.  Verify debts via credit (\u00e0 la translation: DEBT<\/em>) report<\/u><\/strong> \u2013 use the free online thing to get a free credit report from the big three \u2026 or one of the big three \u2026 anywhy the inhuman conglomerates that automate the accumulation and storage of ALL of your personal transactions, business and history for the purview of others \u2026 yah, should probably see what the mankind masters are saying about you.<\/p>\n\n\n\n

So check the credit (\u00e0 la translation: DEBT<\/em><\/strong><\/em><\/strong>) report and find out for certain total due \u2013 how much is owed, and to whom.  This article does highlight the irrelevance of the score because you\/me\/us\/we SHOULD DEFINITELY NOT BE OH NO NOT BE seeking more credit (\u00e0 la translation: DEBT<\/em><\/strong><\/em><\/strong>) \u2026 but still must determine your assigned placement on the borrower spectrum by the masters of mankind, and then work to adjust position \/ get off?<\/p>\n\n\n\n

5.  ER fund, or savings in case SHTF<\/u><\/strong> \u2026 something<\/em> hits the fan, or as the article puts it, \u201cprotect us against life.\u201d 
I like that.  Like life itself is the threat.  How encouraging. <\/p>\n\n\n\n

This article goes on to discuss that money = mass, as in stockpile, as in \u2026 dare I say it? Of course stackpile<\/em> of cash (heh) (methinks approx. $2.5K) is doable simply with the intention of doing so \u2026 again, sell stuff, work more, don\u2019t spend \u2026 same tropes, repackaged well. <\/p>\n\n\n\n

6.  Debt avalanche (snowball, snowflake, yadda\/yadda)<\/u><\/strong> \u2013 repayment strategies \u2026 all boils down to consistent little at a time and chunks whenever possible<\/p>\n\n\n\n

One thing: article says not to give account info over the phone \u2026 Suggestion?  Set up a separate bank account used solely to fund debt satisfaction \u2026 that way, only put in rotten fruit to feed the monkey \ud83d\ude0a<\/p>\n\n\n\n

7.  Negotiate \/ Settle with Creditors<\/u><\/strong> (see! tol\u2019ja!  debt satisfaction<\/em> \u2026) \u2013 lenders are like lovers \u2026 they want communication and money, and most will accept less of the latter for more of the former \u2026 just sayin\u2019 \u2026<\/p>\n\n\n\n

Another thing: article also says to expect debt feeders to lie \u2013 if they use words don\u2019t believe them \u2013 and get all settlement details and agreements and amounts and terms in writing, in hand, before mailing\/sending\/paying ANY amount in debt satisfaction \u2026 and then US tracked mail … I\/me\/we would send a cashier\u2019s check AFTER receiving the debtfeeder written invoice with the terms for satisfying the debt.  That monkey is DONE well not yet but working active on it \u2026<\/p>\n\n\n\n

8.  Increase income<\/u><\/strong> \u2013 get another JOB!  sell all your CRAP!  build a BRAND!  write a BLOG!  
Ad infinitum, ad nauseum \u2026 the point is to succeed to the point we don\u2019t have to work.  Right. <\/p>\n\n\n\n

            Sooo, sloth is the human ideal. <\/p>\n\n\n\n

            Also happens to be a deadly sin.  {Proverbs 20:13<\/em>} moving on<\/p>\n\n\n\n

9.  Reduce Expenses<\/u><\/strong> \/ save wherever&whenever possible \u2013 and we present to you previously somewhere \u2026 the 7Qs \u2026 and only use cash \u2026 unless you can\u2019t (more on that later \u2026)<\/p>\n\n\n\n

Later:  To my\/our\/a general surprised and mounting displeasure, it is proven that many current businesses do not accept cash or personal check payments in exchange for goods and services, seeking only the elusive \u201cones-and-zeros\u201d represented by a credit (\u00e0 la translation: DEBT<\/em><\/strong><\/em><\/strong>) card or debit (\u00e0 la translation: CASH<\/u><\/strong>) card. <\/p>\n\n\n\n

First off \u2013 don\u2019t like\/want\/need direct electronic access to entirety of household funds.  Nope.  Do not like \/ want \/ need.  Bad things can happen with banks and a loose debit (\u00e0 la translation: CASH<\/u><\/strong>) card.  Suuurrre<\/em>, the bank replaces your funds, until the investigation is complete.  Ooo<\/em>.  Then what if the bank tells you SOL, or sorry<\/em> out of luck?  What then? <\/p>\n\n\n\n

Explain what happened to the mortgage company.  It cares. <\/p>\n\n\n\n

And again, credit cards are the problem, but in many instances the only solution to obtain the desired goods and services wanted v. needed to maintain the whole life routine. <\/p>\n\n\n\n

So, altho\u2019 above-advice #1 makes perfect sense \u2026 not practical \/ practicable for many of the masses \u2026 at least, not this one. <\/p>\n\n\n\n

Good thing?  Paid off each month.  Another good thing?  Spending on that card 100% manageable, no surprises.  Except the annual fee.  To use the card.  In addition to the interest.  Which I don\u2019t pay.  So I see their point moving on<\/p>\n\n\n\n

All the rest of it is in process, step at a time \u2026 this monkey is huge <\/em>\u2026 but time heals all wounds, and wounds all heels (saw that somewhere \u2026 and do not want \/ need to be a master of mankind \u2026 Christ Jesus Himself was very explicit about a camel, a needle and a rich man, and Book of Enoch<\/em> says GOD has a place for those who have escaped judgment before death \u2026 just sayin\u2019 \u2026 more to come)<\/p>\n\n\n\n

The thing I\/we\/us\/the group has not seen thus far is a discussion of the dysfunction in the relationship related to spender v. saver dynamic, when the conflict has reached the apex (nadir?), and the saver has abandoned the spender to figure it out.  <\/p>\n\n\n\n

I s\u2019pose that\u2019s what we\u2019re here for.  Heh.  Hi. <\/p>\n\n\n\n

At this point funds and expense responsibilities are divided, which is actually a good thing; the majority of wartime hostilities revolved around money \u2026 since Half and other half no longer discuss finances, the marital union\/household is much calmer. <\/p>\n\n\n\n

Maybe that\u2019s the advice.  Money = marriage, and money \u2260 marriage. <\/p>\n\n\n\n

Hmm. <\/p>\n\n\n\n

But taxes on filing joint are lower. <\/p>\n\n\n\n

Another trick?  Probably.  Or maybe not.  Maybe \u2026 it\u2019s just us. <\/p>\n\n\n\n

And no, counseling is not an option.  That\u2019s what the blaaawwwggg<\/em> is for \u2026 pay ATTENTION<\/p>\n","protected":false},"excerpt":{"rendered":"

Found a truly stellar article that outlined the steps to getting out of debt while living P2P (AND I SURE DON\u2019T MEAN PLAYSTATION) \/ of course most of it doesn\u2019t work for us thusly or already in effect but it might be helpful to pass along the info \u2026 real brief\/undies only: 1.  Halt-cease-end use … <\/p>\n

Read the full post →“Monkey Malnutrition”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[21,25,28,23,26],"tags":[],"class_list":["post-409","post","type-post","status-publish","format-standard","hentry","category-nobuy","category-debt-monkeys-the-credit-circus","category-proof-of-god","category-partnership-sailed","category-strategic-spending"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/posts\/409","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=409"}],"version-history":[{"count":4,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/posts\/409\/revisions"}],"predecessor-version":[{"id":568,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=\/wp\/v2\/posts\/409\/revisions\/568"}],"wp:attachment":[{"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyaintmath.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}