Derry, Northern Ireland

Derry, Northern Ireland
A book I'm working on is set in this town.

Tuesday, November 12, 2024

Plans tossed aside...

Okay...Chicago job is on. An overnighter. So that had to be set up and worked into my schedule. And I'm having trouble getting a prescription refilled, so that took time. And on top of it, I took my first step in getting back in control of my debt.

I'm using a debt consolidation service that will end my use of a couple of cards that just keep building up. They will work out a deal with my two Mastercards, and I will stop paying 20% a year interest. How it's going to work makes me a bit nervous. I stop making monthly payments and they talk to the cards' people to settle. Should take about six months.

But it's this or I slide into total bankruptcy, and I don't want that. So I've ended a couple of auto-pay charges to them -- like for Ps, Word and internet -- and removed them as usable for flights, hotels and car rental. That last one, with Avis, was a major chore. They wouldn't let me do it online; I had to call to get it straightened out...and got passed up to second tier customer service before it was done.

The good thing is, my rent is rated according to my income. Never more than 30%. And I'll have a lot of deductions, this year, thanks to APoS and the publicity I did for it...that achieved nothing. So maybe in June I can get it lowered.

Guess we'll see how it goes. I just couldn't let things continue as they were, especially if the GOP implements Project 2025's recommendations on Social Security and Medicare. My savings has dwindled way too far down.

Meaning nothing got done on PM. I'm still debating on completing it...but I guess I will. See what happens.

Looks like I'll be working till I'm dead.

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