STILL NO BANK ACCOUNT! HOW AM I DOING?

Hi! Just wanted to update you on my "no bank account" progress.

Well after a few ups, downs, and glitches, and now things are becoming clearer and running smoother.

I mentioned before that, I had trouble the first month because I had to put my money on a pay as you go card. Some of my bills didn't accept the card. So that was a problem. I've since changed those bills to paying them online.

I've also opened an online stock account and I use that as a bank account. Etrade.com has a good online banking system that will issue a debit card on request. 

Malls are Crazy Spending Traps!
Shop Online and On Budget!

As for my online business, I arranged for my money to be paid out in checks. However, right now I'm having a hard time cashing the checks. I get paid through WePay.com. As of right now, I have 5 checks that can't cash since I have no bank account to put it into and when I go to a check cashing place, they haven't accepted the check. 

Until I find one that will cash the checks, I've ask a friend who is gonna take me to their bank and I'm gonna write the checks over to them. I have no problem leaving the checks in their bank until they clear. So, that is a problem that I'm still working out, with these checks. 

Study the Bitcoin The Next Currency!

That being said, so far I'm happier with my choice to get rid of my bank account. Although there is less stress to not owning a bank account, I'm still working out the kinks and I believe that, by the end of the year, they'll be worked out. 

BITCOIN

As of right now, more and more businesses are accepting the bitcoin as a form of currency.  I'm setting up a brand new computer to start mining bitcoin. The bitcoin has also been added to the world currency chart. Check into it soon. We already have our first bitcoin millionaire, a woman from Australia. How awesome is that! I'll cover her story in a future post! 

I've rambled too long so, I'll post soon. CIAO!

STOCK MARKET IS DOWN, FOREX IS WACKY, SPEAKER OF THE HOUSE RESIGNS!

AND STILL money is the great equalizer.

Even more so these days!  Haven't you noticed that not many people can fake wealth today like they did in the 80's and 90's? I always believed (thanks to my mother's teaching) that having money is better than having credit.  Now, I know that not many people would agree with that, but it's holding true for these days.  I left a job where I would try and get people to open credit accounts everyday and all day.  My employee reviews would reflect how many people opened accounts while under my watch. I never did well at that because it was difficult to convince someone to do something I wouldn't do and that I didn't even believe in!  Once I let those people know that I understood and agreed with their not wanting to continue to get deeper into credit card debt and they knew that the pressure was off, I'd hear their stories of how they just got out of debt and now only was using cash. For those consumers,the blinders are off  and they see that the Emperor has no clothes on.

The Crazy Shopping Season Begins Again!

The easiest customers to sell a credit card to was new immigrants, and newly liberated teens (18+19) and young adults just out of college, males and females. New to the employee status realizing that they can get a $1500.00 credit card and only pay $200 of their $1,200. a month salary (if they're lucky).  They could buy lots of stuff and still have enough left over to save for that brand new car!

Now, living in a wealthy retirement community like the one I live in (no, I'm not wealthy, I just live here, in a nice little bungalow). I see that my neighbors think like I do. The reason they're retiring into 6 million dollar homes is because they didn't spend their money on new cars and paying off their credit cards.  

The week that I moved in I met a couple who decided to downgrade their 3 million dollar home to a 2 million dollar home because it was smaller and without kids in the house any longer, they didn't need the space of the bigger house. The choices they have here are enviable and oh so inspirational! When I see the treadmill that the young ones are volunteering to jump on, I fear for their future. We didn't seem to learn anything from our recent ECONOMICAL past.

I've decided to take advantage of the money I've managed to save (which amounts, so far, to approximately $300. a month), and put it into the stock market when it drops some more. I put most of my money so far into taking my singer to Chicago, for her CD Launch (which we are still around $540.00 USD short of going and DONATIONS are still being accepted), but I plan to start investing cash as soon as I get back from Chicago and can start saving up again. I also have some other business investments I'm considering. But more about those on another post.  I'll be glad when the Chicago trip is over.

Another thing I keep a close watch on is Forex trading.  I keep a money APP on my phone and my tablet so I can see how monetary values are changing. I'm trying to see if I can make money by buying other types of currency when our dollar becomes worth more than theirs. I can't figure it back and forth, that's too much thinking.  I'll pay someone to do that for me later when I can afford it.

The More We Have The More We Want!
When Will We Have Enough!

The last bit of news is that the Speaker of the house has resigned. Actually I heard of this last Friday and wondered why the News Media hadn't broadcasted it.  I woke up every morning wondering if they had a gag order not to broadcast the news.  Our media is very manipulated by our government. I don't trust their broadcasts because they won't tell us anything the government doesn't want them to, but, once again, a topic for another post..... or not.

A PLEA TO HELP CRYSTAL DENNIS - THE LAST MONTH!

I'm leaving another chance for you to DONATE to this cause. Please search your heart and find it in you to help me give this Blind Celtic Crossover Artist her dream of recording her first CD. If you saw her on the street begging with a tin can, I trust that you'd give to her cause.  Why is this any different? Because she has enough talent to be self sufficient? Please donate $5 now? Just click on the button below, then pass the link to your friends, family, co-workers, and social networks.  Please help us to do this?

AS ALWAYS!  STAY HAPPY AND POSITIVE! CATCH YA NEXT POST!

LOTS OF CHANGES! AND FINALLY, A SILVER LINING!

JULY 17TH 2015!!!

Keep that date in mind as you read and I'll let you know why later.

First I started this blog and then I got rid of my bank account. Since then, 3 more people that I know of have gotten rid of their bank accounts as well. Although they are new at it, I know they watch this blog to gage how I'm doing.

In hard times, you can rearrange 
your budget to keep 
more of your money and invest
what you manage to save

OH NO!!!   I QUIT MY JOB!!!

My next big move was to quit my job. I found that by rearranging my budget, I actually keep more money without a job. I manage  to keep about 300 extra dollars a month by not working! Now I'm taking the money I save and I'm starting to day trade stocks. Back in 2004, I started day trading and with that money I moved to Vermont, USA in 2008 and in 2009 I opened a small souvenir shop on the Main Street (something I've always dreamed of doing). 

DAY TRADING; A NEW START

So I've started again with my trading. I've been ignoring my remaining stocks which included Facebook (which increased by $50 a share since I've bought it!), so I've lost all of my Real Estate Stocks. Right now, I can't take any money out of the account, I can only trade due to the type of account I have so I plan to add money to the account and day trade. 

Some of my other businesses I've not begun yet because I'm focusing on getting my singer to Chicago for her CD recording.  I'm gonna put a link at the bottom of this post for those who'd like to donate to her Go Fund Me Campaign. 

Fruit is very inexpensive

But back to my rearranging my budget to keep more money than I spend, that helped me so much and I encourage anyone who  hasn't done this already, to start doing so now. 

Sometimes we work so hard to make MORE money that we don't realize how much we're spending just to keep a job. Most of my money that I made was being used to keep the job that I had. Since it was in retail, they cut your hours whenever they didn't have enough hours to give. So many employees are hurting! 

A HEALTHIER LIFESTYLE

4 pounds (1 kilo)  for $1.50 USD

So as of today, I'm living better, eating better and (healthier), and my stress level is way down.  I'm finally learning to enjoy life. After I return from Chicago with my singer, I plan to take golf lessons and take advantage of the horse stables we have down here that allow us to ride on the beach for only $5 per hour USD, and it's located about 2 miles away from my beach front flat.

THE SILVER LINING

Now why did I ask you to remember the date of JULY 17, 2015? Because that was the day I decided to get rid of my bank account, remember? Here is a chronological update. August was stressful, disorganized, and I wondered if I'd done  the right thing. 

Now, in September, things are starting to get better.  I did a month's worth of incidentals and grocery shopping and
caught up with my bills. I even for paid part of the Chicago trip for me and my singer.  I'm still about $200 short but, if I could have raised the money to take her and not had to use my own money, I'd be in the black money-wise.  We're still trying to raise the funds with the Go Fund Me Campaign. I'll let you know what happens.

Well, that's my update for now.  I'm quite content with how things are turning out. 

please help me help CRYSTAL DENNIS by clicking on the button below

THE U.S. STOCK MARKET DOWN 500 POINTS!

WOW!  I couldn't believe it when I read this in the NY TIMES this morning! Now, I'm not one who follows the market and I won't pretend that I am. I only try to keep up to notice trends.

Whenever I read this it makes me happy that I'm taking control of my finances and STILL they aren't perfect and they're not at all where they need to be.

If I had the resources, I'd paid out of pocket to help the singer I'm supporting (her career) do everything she needs to advance in her career. Once again, I thank those who have donated.

Back to the money issue, the GREAT EQUALIZER for us all. I'm feeling blessed that I am in a situation where I don't depend on Wall Street the banking system for my finances.

I'm still teetering and tottering around getting more financial stability and that part isn't fun. I need a car and I won't get a bank loan to buy one, so I'm saving money and it's taking a long time. I'm also going with my singer to Chicago to a DIY Indie music convention the same weekend she's going to record her CD. With the Go Fund Me Campaign not going well, I don't know how we're going to do it but I'm trusting in God that it will be done.

The world is closer that we know to becoming a New World Order with the financial districts leading the way.

For those of you in "The Market" right now I only have one word for you.  BUY BUY BUY!!  This is the time to buy stocks. People tend to run away when the market crashes. Instead you should take advantage and buy stocks that you couldn't afford before.

I have to reactivate my Etrade account and get back into the market myself.  These are good times if you know where to look and don't stay calm. Let others panic you look for opportunities.

Well, I'm ending my post here.  I'll post again soon. I again, want to encourage you to donate to Crystal Dennis's Go Fund Me Campaign. I'll post the button below. I also want to share her lastest original song. MoonSong by Crystal Dennis soon to be available on ReverbNation.com, Loudr.com, Itune, and Amazon.com.  This is the first day of it's posting so I'd like to share it here.

REMEMBER, YOU CAN DONATE TO CRYSTAL'S  GO FUND ME CAMPAIGN BY CLICKING ON THE BUTTON BELOW

WHAT ELSE CAN I SAY?  DONATE WHAT YOU CAN AND 

ADIOS! UNTIL MY NEXT POST!

Is Not Owning a Bank Account Still Working?

No matter what your nationality or the color of your skin, money IS the GREAT EQUALIZER!

There was a time in my life when I lived in the best neighborhood and had plenty of cash, and I was treated differently, yes, life was very good! Then I lost it and again, I was treated differently, and it was not good.  That is the premise of this blog. Living in a humane society, most of us don't like to admit that money makes people treat us differently. But people who went from rags to riches or riches to rags, know this all too well.

The rest of us are fine believing that "money changes people", other people, but, we have trouble believing that someone else having money changes the way we treat them but it can and it will.

If we're not aware of it, it certainly will! That green-eyed monster is a tricky minx and pride is its master. Become aware of this feeling of jealousy within yourself because that is the only way to beat it. Now, on to the premise of THIS post.....

IS NOT OWNING A BANK ACCOUNT STILL WORKING?

I don't know if I shared this with you before but, my adjusting to not having a bank account is taking longer than I thought it would.  I have a job where I get paid weekly and I have too check that I haven't cashed yet.  So I've been using my kid's account to put my money in (I said I'd be honest). So right now I'm using a bank account just not my own. I haven't put my money onto a prepaid card yet.

That's one reason that my posts haven;t been regular. In order to really know if it works for me, all of the pieces have to be in place for me and I can't be dependent on other peoples accounts, like I am right now. But as for how I feel about the change so far? Still great! I feel freer and have no ties to a bank is still really good.

I have a friend who is trying to do the same thing, she took the first step and retained most of her money in her last check and she feels "in control of her life".  I don't know if she'll keep on the path of not having a bank account, I'll keep you updated.

This decision reminds me of the "Seinfeld" episode when Kramer decided not to have a mailing address and not to receive mail from the post office. He instead opted receive his mail by fax, email, and the other methods we now have.  Back then it was funny because no one considered not having a maildrop but,, now many people don't (because they are going green).

The world is changing is many ways and how we store our money is one of them. I believe the banking institutions are trying to get their last dance in before they become obsolete. Accounts are being closed for no good reason, and I even know of a bank that has stopped accepting money transactions for anything but business accounts.  They only accept checks and money orders for a deposit into a personal account. I know because I was the person who tried to deposit the cash and this is what I was told by the teller.  I had to go buy a money order and then return and deposit the money order instead. Something is happening and it's time for us to wake up.  When the banks closed in Greece, no one got a warning and the decision was made on a Sunday and the banks were closed on Monday the next day. The same happened in Argentina over ten years ago and no one got a warning, up until the morning of the closure, the people were being told that everything was fine, then the banks closed at 3 O'clock and never opened and it started a ten year financial event.

I hope you consider what is best for you and make changes if you think you should. Don't just keep saving the same way because its all you know to do. Study some alternative ways of saving. Bitcoins are starting to be accepted, start mining bitcoins and saving them. If your bank is manipulating your money with fees and more fees that eat away at your checking account. Take control of your money, after all, YOU'VE EARNED IT.

LET'S HELP CRYSTAL!
I'm still working to help the Blind Celtic Singer, Crystal Dennis make her studio recorded CD and she also hopes to go on tour next year to promote it. You can help with a donation to her
GoFundMe account at the link below Crystal's picture .

THANK YOU FOR YOUR HELP

NO BANK ACCOUNT! HOW AM I DOING?

Hi!

Okay, I've been without an account for one month now. How is it?  Still doing fine. So far I haven't found a down side.  I'm going to be honest as I go through this process and, if I have any problems, I'll definitely let you know.

So, I'm getting my first out of the bank check and one negative point is that I have to go pick it up at the post office where I get my mail.  But if I had home mail delivery that wouldn't be a  problem.  I would still, however, have to cash the check at a check cashing place.

Right now, I miss my direct deposit but, EH! I'll get over it.

I had to re route my cash to online, paypal and prepaid card but so far that hasn't been a problem.

Now, my next step will be saving the cash. I have to buy a home safe and save it like they did in "the olden days", in a safe in the mattress in the floorboards.  Actually, it's kind of cool! It's like the Engels family in "The Little house on the Prairie".

As long as I'm doing that, I might as well start prepping! LOL!

As for my experiment? So far, so good!  I found that last month, I had more money in my pocket, and so far I have a clear mind for saving for next month.

I now have money to help Crystal Dennis with her Go Fund Me Campaign and I hope some of you will join me in helping her as well.  I will leave the campaign button on this page so you can have easy access to sharing the campaign as well as donating.

DONATE TO CRYSTAL

ADIOS TIL MY NEXT POST!

FOLLOW THE GREEN, NOT THE DREAM!

WHOA!  WHOA!  Sounds selfish, doesn't it?  But, if you really want to control your money, you have to play by those rules.  There are many corporations out there who are more that prepared to exploit your dreams for their benefit.

If you let them, they'll make you think you are winning when you're not.  That also includes that great corporation you work for (no matter WHERE you work), whether it's McDonald's or Macy's or Wall Street's finest!  Their main concern is their bottom line and they're willing to exploit you and your desires to get there.

For example, I worked in a store, I was very loyal to the company having been there since 1989 (off and on) and I enjoyed my co-workers company very much most of them I'd know for around 10 years or more.

Help Me,Help Crystal.A Blind Celtic
Singer who's fundraising to record her
first professional CD on Go Fund Me.
The link is at the bottom of this page.

When retail took a nose dive, around 2010, it was every man for himself and it hasn't turned itself around yet.  It's now at the point where employees are suffering with their paychecks.  I know people who have a biweekly check totaling $40 USD, and $57 USD (the 57 is mine).  No company should be paying that pithy amount. No one can survive on that!  Then they schedule all "willy nilly" (all over the clock) so you can't get another job because they want you to be available for anytime they need to schedule you. 

The way I see it, if a company can only offer you that pity amount of hours, they should lay you off and let you collect unemployment! They can always rehire you back (or call you) when more hours become available.

But that would mess up their accounting.  It's better for them to have more employees on the books because the government will compensate them for the lack of hours and money lost. They could also schedule employees part time and not have to give retirement benefits.

They follow their green, not your dream.  

The original dream of the corporation usually doesn't survive past the first three generations. It becomes a fight for survival, theirs, not yours! and the employee usually suffers for it in wages and lack of hours of work.

This retail era is the worst that I've ever seen!  You can feel the tension in the stores when you go in.  The employees are overworked and unhappy.  There aren't enough people around to help you on the salesfloor when you need it.  Working their is worse that shopping there.  They promote false leaders to keep people from quitting.  The promotion doesn't give the promotee a higher wage, instead they get to have a one hour lunch instead of a half hour lunch like the peon workers, and they get to control their coworkers ASSignments.

Then, if they don't do well at their new assignment, they usually are "let go" or they get very low hours, so low that they'd rather quit and they do.

Once again, this is the green that the company is following, not the original founder's dream, or their employee's dream.

The bottom line is, decide if your job is still supporting your needs?  If not, start making a list of businesses you can start for yourself.

My last bi weekly check was 57 US dollars!!!!

When I realized that my last bi weekly check was 57 US dollars, I needed to re-evaluate my wage earning priorities.  I'm really appalled that there are businesses out there that (corporations I should say) that condone this pity wage practice. If anyone wants the name of this company, contact me on this blog and I'll be more than happy to tell you.

Remember your green, should be your first priority. We are not using the barter system anymore, we use money, real money. Don't settle for less than a sustainable wage. I'm ending this post here but it's not the last I'll write about this subject. AND


LET'S HELP CRYSTAL!

Remember to help this Blind Celtic Singer to achieve her dream.  She truly deserves to make her first professional CD.  Go to her Go FUnd ME Campaign and donate. Then share her link with your friends and family.  Here is the link:

PLEASE SHOW YOUR HEART AND DONATE

UNTIL THE NEXT POST!

TAKE CARE!