Redux & Reduction of Clutter, Debt and Weight
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by moi  August 2, 2013 10:25 pm

Recently I read two different articles recently on how fast food workers, McDonald’s in particular, are being paid by debit card instead of an actual paper check.  It seems the reason they do this is because it is cheaper for the employer to do this rather than print checks.    While for some this sounds like an awesome idea because they do not need to have a bank account or if they do then it saves a trip to the bank.  For others, this is a complete nightmare.

These cards usually come with service charges.  Some charges seem rather normal like card replacement charges but according to this article, Fast Food Workers Paid With Fee-Heavy Debit Cards some of the charges can be absorbent.  There appear to be charges for general use, ATM withdrawal use and even inactivity.  That’s crazy in my book, use the card and be charged, don’t use the card and be charged!

Looks like the government it taking a look into this as referenced here Debit Card Pay: Extra Fees or Money-Saving Opportunity?  Since there’s been a lawsuit over this type of payment I guess I would want to know more about it too.  With all the fees associated with this type of card those working hard at their minimum wage jobs are being robbed pennies at a time of wages that could be best spent elsewhere.

A friend of my daughter’s works for a Wendy’s here locally.  She told me she was getting paid this way.  I told her about this article and she said she’d look into it.  As far as this 16 year old was concerned, she wasn’t getting charged any fees.  Turns out she is and her mother is looking into it.  I know I am glad to have the education and skill to be beyond this sort of a job.  This is just wrong in my not so humble opinion.

by moi  February 22, 2013 7:01 pm

To coupon or not to coupon?  For me, I’ve been leaning towards the “not to coupon,” for the past few years.  Coupons are great to save some money while shopping.  I still use coupons when I see them on the shelf while shopping at my favorite retailer so I can’t go around saying I never use them. They are there at my convenience.  I’ll share my reasons why I choose not to coupon at the end.  In the meantime check out the reasons these others do not coupon.

coupon – noun: A voucher entitling the holder to a discount off a particular product.  A detachable portion of a bond that is given up in return for a payment of interest.

I seldom see coupons for apples or broccoli

Why don’t I coupon?

  1. Savings vs Time ratio is just not worth the effort
  2. Store brands are usually cheaper than national brands & coupon savings
  3. Coupons just aren’t available for what I’m buying
by moi  February 1, 2013 1:31 pm

Yesterday was payday.  A long awaited payday.  I’ve been employeed for a month with no money.  The day I’m supposed to actually get paid, nothing.  Turns out the paperwork I filled out the first day of work wasn’t filed.  It wasn’t just me, it was the other 2 guys in the office too.  Arg!  Its hard to pay your rent when there’s nothing in your account.  They managed to take a physical check to my bank and deposit it.  At least rent got paid.

by moi  January 30, 2013 12:44 pm

I don’t like being sick!  I ended up with an infection when a pimple went rogue on me.  They tested it and I had MRSA.  Woot, great.  I ended up at home 3 days last week taking antibiotics and painkillers.  Needless to say so glad to getting better.  My sleep was all off and my eating… well I made sure I ate well enough to tolerate the medication.  Somehow I lost a few pounds when I slept for nearly 3 days.  Bounced back around the 184lbs range.  Next week is another week.

by moi  January 25, 2013 11:58 am

Are you kidding me?  Misc Medical debt decided to sue me despite a verbal agreement to pay them $15 a week while unemployeed.  I kept my end of the bargain and have faithfully been paying them as I said I would.  $60 a month.  One of the guys called me in December and had indicated that the original debtor was not happy with the progress of the payoff and that they would “proceed”  Um, ok, what does that mean?  On the 20th I found out what that meant, they summoned me.

And I responded.

I laid out the other debts I had and the fact that I have been paying them weekly as was verbally agreed upon by in August.  Just so happens that I have a new job and upon receipt of my second paycheck on February 15th I was planning to raise that payment from $15 weekly to $50 weekly until paid off.  I still intend on doing this no matter what.  I even included the document from the state that indicated that I was behind in child support and that they were getting their money before my kids were getting theres.  Jerks.  We’ll see what happens.

 

by moi  January 16, 2013 1:03 pm

Even after a weekend of drinking and eating poorly the scale still seems to be crawling in the downward direction.  This is good.  I’ll take a crawl down than a crawl up.  I could do a number of things to help it along if I’d just get my ducks in a row.  My shake diet is working slowly.  I need to drink more water. 

I posted on Monday that I needed to whip out the Flylady timer for some decluttering.  I need to do much the same for some exercise.  15 minutes scanning papers, 5 minutes shredding them and then perhaps 15 minutes of some exercise.  That’s only 35 minutes in my day.  I can do this.  What interesting things can I do for 15 minutes this week?

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