Surviving No Money

Life, money, debt... And the problems.

Handling Debt

Trying to pay it back and continuing normal life.

How To Save Money

Tips and advices how to save money.

Bringing People Together

We maybe out of money, but not alone.

Trust In Future

Through hard work, money issues will be gone.

Wednesday, September 26, 2018

Little Time, Little Energy

I haven't forggotten my blog, but after vacation I've had very little time or energy to concentrate on writing. Been doing crazy hours at work.

I've counted that paying my debts will take about 7 years. That doesn't feel good. And I still have internet and phone bills to pay, about 350 euros now. I won't have the money for that. I've been trying to figure out how to make some extra income, but no ideas.

This situation is crushing me so much it's hard to breath. But still surviving.


Tuesday, September 4, 2018

Working Hard

I'm pretty tired, so this one will be short.

Anyways, I've had two long days at work. Together 22hrs or so. Coming home late has never been something I'm happy about but I've always thought, when the next paycheck comes, the effort I put into work will show.

Now, it doesn't really matter, at all. Because every extra cent I make, the more I pay to foreclosure.

Your could argue that I will pay my debt faster. But 100 more euros into debt, in my situation, means less that having that 100 to be used for groceries, etc.

When taking loans or paying for stuff in installments, always think of the big picture. Not just the next few months, but the next year. How much and how long you will pay it. What if something bad happens and it costs you a lot money. Can you handle it all?

I understand, that for many of us, buying stuff with monthly installments is the only way. But always think thoroughly, if you absolutely need it.

Sunday, September 2, 2018

This Double Life I Lead

Like I told before, with all the money problems I have, I'm alone because I have not told anyone about it. I have no heart or strength to do that. I'm too much ashamed of myself to admit my close-ones I completely f***'d up my finances and life.

Before, when I was having money (read: loans) I really never showed it. Even though after I'd paid bills and loans, with more loans and had little extra left, I might pay groceries for someone or bought a drink at a bar. The latter didn't happen very often since I don't drink in bars that much any more. Which is a very good thing.

But still, paying for other people felt good. Even though I was living a lie and making others think I'm making good money at work.

Now, I'm making lies why I don't want to go out or even to local grocery store. I don't afford to step outside at all.

So not only my money is gone, I feel like I've become this twisted person. I have problems to take care of, but I constantly try to avoid them. Though I know they won't disappear. Facing them is the only way to start fixing them.

I survived from getting evicted and power being cut. Now, I need to find money fast to pay two months' phone and internet bills. Anxiety is high. And next month phone bill will be huge! Why? Because I've been completely broke, having my balance at -0,21 but that doesn't take hunger away. So how'd I buy food? With my phone. Ordering pizzas, etc, to my home and the purchases will be on my phone bill. Pizza used be a delicious food but now I can't stand it anymore.

I have no ideas where to get this money. I can't take advance from my pay anymore since I did that to pay the electricity bill. And time is running out. I feel like throwing up.

Personal Finance Apps

While searching Google for finance related blogs I came across Best Personal Finance Apps. Only finance app I've ever used is my bank's own application. That's only for checking balance and other information, you can't pay with it or do any kind of budget management.

I picked a few that interest me...

Mint - This one shows all your balances, bills and credit score in one place. So probably good for those who have several bank accounts and credit cards. Myself only have one so probably will skip this. And not that fond of giving so much information on myself and my finances to an app. I think this app is free, but not sure about ads.

You Need A Budget - YNAB seems an app that I should try since it's for debt management. It helps you from getting paycheck and using that money according to a plan. This app has a free trial of 34 days and then €6.99 which is billed annually at $83.99. So right there I lost interest. My debt management does not include any extra costs. I doubt an app can payback that 84 dollars and save you more.

Wally - Free app for money management. This one I might actually try, because it promises to help keeping track how you spend your money. And you can save pictures of receipts so no need to type all that info. And for now, it's also ad-free.

If I end up trying Wally, I'll let you know what I think about it. Or if you have experience with it, or other finance management apps, please let me know in the comments.

Thursday, August 30, 2018

On Betting and Lotteries Advertising

Getting is rich and fast is dream for many of us. And I'm one them. Generally, I spent 10-20€ a month betting and lotteries. Sometimes not all. I've never been that much interested on them even though I'd like to have a few millions on my bank account.

Now on the advertising. Few years ago, they made a new law that limits advertising tobacco and alcohol products. Tobacco ads and not permitted anywhere and all the products must not be visible. So if you want pack of cigarettes, you must ask the seller or use vendor machine.

Alcohol can be visible, but advertising is limited.

Now, I smoke cigarettes and sometimes drink beer. But the above limitations are good in my opinion.

Then, betting and lotteries. Buying tickets and betting on sports might be fun as long as you can control it. But what happens when you lose that control. It can cause mental problems as well as financial. In Finland, there are about 130,000 people with some kind of addiction to these games.

So, like with beer and cigarettes, you can get addicted and have severe impacts on your life.

But advertising betting and lottery is everywhere. Pretty much every shop, kiosk and gas stations sell tickets, etc. And they are almost always available for purchase at the checkout counter. So after you're finished with your groceries, you are being reminded that lottery pot is 2,3 millions euros so be sure to buy the ticket.

Why isn't there limitations to marketing lotteries? Why is it all over your face? And there is no competition here because the agency who organises, Veikkaus, is owned by Finnish goverment and has exclusive license on lotteries and betting.

If there would be more limitations on betting ads, maybe less people would have gambling problems. Or even more, those who are close to being broke, wouldn't spend their last 5€ on a lottery ticket, hoping their financial problems would go away.

Wednesday, August 29, 2018

New Theme... Again

Yeah, I changed the template/theme of my blog, for the third time. It would be better to concentrate on actual content and posting, instead of how the site looks. But I want it to be perfect.

But I plan to write about my life with loans and debt and how I'm keeping it a secret from everyone. Also, I want to tell about my opinions on gambling and lotteries.

Maybe tomorrow...

Also, commenting is now possible. Email contact will be back up later.

Monday, August 27, 2018

Improving My Blog

If you happen to visiting my blog and see something that's "out-of-order" it's because I'm currently fiddling with templates and coding. I used to know about HTML/CSS when I made websites as a hobby. That was 10+ years ago and I've forgotten pretty much everything. 😄