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.

 

 

SAT 290820 BUILDERS DONE...MORE OR LESS

290820 BUILDERS DONE...MORE OR LESS

Unfortunately, I haven't been updating this blog quite as regularly as I should have; therefore, this post is just to fill in some parts that have been missing.

Currently, the builders have...

Removed rubbish waste...a truck came to take it all away...

http://www.jrlwasteremovals.co.uk

- Old cooker (not working) gone
 
- Old leaking toilet gone

- Old leaking bathroom tap/fixtures removed

Also, they built...

- Built a new bathroom

- Built a new toilet

- Changed the Kitchen sink(not installed a new kitchen sink/but, threw away the old rotten low twin cupboard base; and, built an empty wooden base to use with the old kitchen sink, instead).

Altogether, I had to pay them £3,800.00; which is all done.

As usual, I think, I might have paid far too early...; as they haven't returned to complete doing the job...certain gaps here and there need to be filled in; also, there is more rubbish in the front part which needs to be removed(however, I believe I can do that part myself...just use a wheelie bin...down to the tip half way down the road).

The main gist of the job, however, which was to fix the collapsed ceiling.../floor on top...has been all done; so, the house is, now, 'safe'...to walk/live in, again. -Thank God!- Before, I really wasn't sure if I was going to fall through the weakened floor/or, the ceiling might collapse on my head whenever I went downstairs to use the toilet facilities.

GAVE AWAY FOLDER OF KEY HAYES WORK

In a mad moment of gratefulness/generosity...I went and gave away an A4 size black plastic folder containing around 80+ Key Hayes water colour painting on paper art works. Each piece cost me around £14.00 (brought from off eBay)...so, when you do the maths...80 x £14.00 = £1,120.00.

Unfortunately, I tend to be very generous, indeed, to people who do work for me; in fact, far too generous.

Anyway, Zoltan, says his daughter is into art...; and, so, if she appreciates it...all well and good; all I ask is that people do appreciate the artworks I give them.

Somebody once said...you don't actually 'own' art; instead, 'art is something you will, eventually, pass on to others'...you sort of guard/protect/keep it safe while it's in your own personal custody; it is passed on to either family, friends, acquaintances; or, if the art is really good...then, to a main gallery/or else, possibly, even, the National Gallery; at other times, people 'inherit' it; or, it's 'sold' at auction so that the 'highest bidder' can buy.

NOTE: I haven't actually seen the builders in over a week. So, this post is being written, afterwards. They were meant to return; or, at least, one of them, the primary, 'big' Zoltan (not his 'slim' mate rather confusingly, also, called Zoltan); but, I think, he's far too busy to come. Why bother coming, again; when you've already been fully paid...?!

280820 YESTERDAY SHOPPED AT STREATHAM POUND STORE

Yesterday, I went shopping at Streatham pound store.

290820 TODAY, SHOPPED AT WEST NORWOOD ICELAND

Today, I went and did some further shopping at West Norwood Iceland.

WILL NEED TO BUY, AT LEAST, 3 FRIDGES

What I really need to buy is, 3 tall fridge/freezers...(even if it's 2nd hand)...

1 > For the kitchen

2 > For the living room

3> Another for the basement floor 

All of the previous 3 fridges/need replacing, desperately; either they no longer work/or, are really far too old to work most effectively/efficiently.

Then, I should be able to store all of the shopping I need; and, wouldn't need to keep on going down the road to do any more shopping...which is a task I absolutely hate...; having to balance 4 shopping bags on my bikes 2 handle bars...2 full shopping bags on either side...can be extremely awkward...whilst attempting to ride/watch traffic, all at the one same time...rather like practising doing some 'juggling'...?!

 

Fri 140820 Builders continue working...

BUILDERS STILL WORKING

As usual, the builders, Zoltan - medium size fellow to large(main head worker to whom I pay all of the money)/(and, his partner, also called, Zoltan - slim/doesn't speak English too well...mostly talks using his own language, Hungarian) come to work here every day...they said they will stop working on Sunday.

They arrive 8 AM; and, will usually finish at around: 4 to 5 PM.

So, far they...

- errected scaffolding to hold up collapsed ceiling/knocked down toilet/bathroom wall above

- knocked down the kitchen/bathroom wall above...also, demolished the rotten wooden ceiling joists

- added new wooden ceiling joists/turned off water

- turned water back on/added floorboards to go on top of the joists so that now it's possible to walk inside of the kitchen

- errected bathroom/kitchen wooden frames.../a van came JMLWasteRemoval...and, took away most of of the waste stored outside of the front part of the house; and, also, the old cooker (no longer working)

So far to date, I've paid them the sum of £3,500.00; with £300.00 still left to be paid.

£500.00 was to errect scaffolding/knock down wall.

£3,000.00 is to do the rest: bathroom/toilet.

£300.00 I'm not too sure what that's about...I think, it might be to hire the skip to get rid of the rubbish/rubble. 

In fact, there is still so much more work remaining to do; but, because it will cost thousands...and, I really can't afford that...; therefore, I think, it's just going to have to wait.

Tue 110820 Builders back

Mon 100812 Buliders back...