Wed 300920 Bank charges

BANK CHARGES

Woke up, realised it's the end of the month; and, therefore, the bank are going to add on their usual interest charges, generally: £30.00. This meant my a/c. was now overdrawn, and, therefore, in the 'red'; and, I had to make a deposit to set it back in the 'black'. 

After making a deposit or two...; currently, my a/c says just: £1.xx in credit.

That balance total is very deeply worrying, because there is an urgent Direct Debit due to leave the a/c. tomorrow of £40.00. I will need to find some way to go and top up the a/c., immediately, before tomorrow when it will be far too 'late'...!

Tue 290920 Paid CashPlus/TalkTalk/Thames Water/TV License/Merlene phone call/Take away

PAID CASHPLUS

I owe CashPlus £225.00 loan; I paid them £25.00...which should leave £200.00 still owing.

LATEST UPDATE: When I actually called to check what the balance was it said: £215.xx still owing...; so, I guess, they must have added on monthly interest.

PAID TALKTALK

I paid TalkTalk £30.00...which is the monthly cost of both broadband/phone.

PAID THAMES WATER

I paid Thames Water £35.80.

PAID TV LICENSE

I paid TV Licence £12.00

12:00 MIDDAY MERENE PHONED ME

Around midday, I got a surprise phone call from my cousin, Merlene. 

She: "Hello, Paul"

Me: "Who's that...?"

She: "Somebody who knows you."

Me: "What do you want?!"

She: "Want to know how you're doing...?"

Me: Silence (Dropped down the phone, hard!)

If I thought for one single minute that my cousins meant me any 'good' wishes/and, not strictly all 'bad'...I would go and visit them, happily, right now. The reason I refuse to keep in contact with them...; and, avoid them as much as is possible; is I don't believe they mean me any good at all...all that's going to happen if I ever choose to get myself involved with them...is it's going to bring me nothing else but trouble, trouble, and, more trouble...none of which I want/or, need...as if life wasn't already quite difficult enough...without other people coming in an interfering in your life...with only bad intentions to come and hurt you as badly as they can!

1 PM BROUGHT PIZZA/CHICKEN WINGS TAKE AWAY

From ever since I awoke during the morning...my intentions were to go down the road and buy myself a take away; so, I went and brought 2...

1 x Super Pizza 18 inches/Seafood flavour

2 x Chicken wings & fries...the normal price for one is £3.00/only the minimum payment by card is for £4.00; so, that's why I decided to buy two.

1:25 PM THINKING ABOUT VISITING TATE GALLERY TO GO AND DO SOME 'COPYING' 

Another thought that's been in my mind from ever since morning...is I need to go and practice doing some 'copying' at Tate Britain. However, so far I haven't done anything, yet. Still eating...

 

Wed 150920 Paid: CashPlus/Council Tax/-etc. Gambled £5.xx/lost! Phoned Geoff. Paypal a/c. OD

BILLS

PAID CASHPLUS

I made a CashPlus loan payment of £60.xx towards a £260.xx loan; so, I still got £200.00 to pay, now.

PAID COUNCIL TAX

I paid just £10.00 towards the Council Tax bill. (Normally, I would pay £33.00 monthly.)

PAID POCKET

My Pocket balance said: £0.05p; so, I had to top it up with £11.00

OTHER

I made another payment for £50.00.

GAMBLING

I deposited £5.xx on Roulette...; my previous balance had said: £6.xx; at one point, I was winning £12.xx; then, started loosing...until when my balance said just £0.70p left; that's when I decided to quit.

BANK BALANCE

My current bank balance says just: £2.43p.

LOANS: LOQBOX

Sometime, around the end of last week, I took out a 'credit building' loan for £300.00...to be paid back £25.00 monthly over 12 months; which is meant to restore back some of my really poor 'credit rating' score.

Sites that show what is your current credit rating score...

- https://www.creditkarma.com 

- https://www.clearscore.com

LIFE INSURANCE

I'm currently paying for monthly Life Insurance with...

- AIG
- Legal & General

...both of these fees might have to stop; because I cannot afford it.

BUILDERS

I tried contacting Zoltan the builder about coming back, and, finishing off the job he started; however, with no success. Just like Geoff had said...do not pay the builders off too soon; as once they got their money...they have no reason to return.

My method of contacting Zoltan was through the Facebook Messenger app. I sent his photos/videos of the work that's still undone; as well as, pictures of the 'leaking' kitchen pipe.

STUDYING 

PROGRAMMING/DONE NONE

Unfortunately, I haven't been doing hardly any programming at all of late; just not in the mood to go and study maths.

ART/DRAWING

I been busy practising doing some 'imaginary drawings'...and, not very well; got to try and learn properly by studying anatomy books more. 

OTHER STUDYING

I should be doing 'courses' online...which I've gone and paid for...sometimes through monthly installments:

- https://www.curiositystream.com

- https://www.mybluprint.com

- https://www.audible.com

-https://www.britainnica.com (cancelled monthly subscription this month/to run out on the 260920)

- Also, Amazon Unlimited (forgot their web site address)

...a lot of these monthly subscriptions have got to stop; as, frankly, I cannot afford it!

FITNESS

Recently, I went and brought some 'keep fit' items from off eBay...

-  1 x free standing punch ball

- 1 x free standing kick bag (haven't worked out how to make the thing stand up straight/it says add water to the base...but, I still haven't quite worked out how to do that, yet)

- 1 x top and bottom bag (I've still not installed the top and bottom bag, yet)

I've done no 'walking/running' about the block...or, inside of the park/or, even on the streets.

I hardly ever ride my bike out there, neither; unless it's to go visit a gallery (Tate Britain)/or, to go out and do some much needed shopping. I should, at least, try and ride my bike around the block every single day...in order to get 'fresh air'.

11 AM SPOKE TO GEOFF

Unfortunately, my cousins house was burgled, recently; I think, it was Monday 7th September 2020. They had gone for a 3 hour trip to go visit Geoff's mother who is seriously ill; and, then, when they returned found the house being in a turned over mess; with important items missing...apparently, the burglars were looking to find items of jewellery.

They sent the kids to go and stay elsewhere...; and, then, fixed up the house to look more or less like normal; which is when they invited the kids to return back home, again. They made up a story that the burglar alarm had frightened the burglar's off. In reality, the burglar's had cut through the wires of the alarm; thus, disarming it. They broke in through the back of the property; most probably, through having climbed over the front; too, rather alarmingly, they left a 'baseball bat' behind them....possibly, to use for protection.

I told Geoff that i might come and see them some time during the weekend.

12:50 PM PAYPAL GAVE ME A CALL TO SAY MY ACCOUNT IS IN DEBIT/PAID THEM THE FULL AMOUNT OWING USING MY CASHPLUS LOAN CARD

I got a phone call from PayPal...; who said my a/c. was in debit because the bank would not allow any funds to be withdrawn...this was because my current a/c was overdrawn. I used my CashPlus loan card to pay PayPal off, immediately, in full; altogether the sum paid was: -£86.62. 

This means I now owe to CashPlus a sum total of £286.62 in loan -to be repaid- money.