I would guess that there are a lot of options. For instance you can get these types of services, most of which are based on voice over IP or Internet telephony, http://cheapdslinternet.com/cheap-home-phone/. Of course that has a few problems, the first of which is that you are not going to be able to stick it in your pocket and take it with you. I know a few people who use really cheap phone services for cell phones. The most famous kinds are the Smart Talk system that you get from Wal Mart and a Trac Fone, both of which are disposable systems. I remember that they used to talk about this stuff on the HBO tv show The Wire, which was one of my favorite shows ever. Obviously that was a cops and robbers shows, or cops and drug dealers. The drug dealers would buy dozens of these types of phones and use them until they ran out of minutes then dump them. They called them burners in the show.
I was looking at the Trac Fone because this guy was telling me that his cost him around 13 dollars a month. The problem with that is that this guy was not telling any people what his number was. The only way that his phone was that cheap was because he was only using it for brief conversations. A normal person would have a girlfriend or a boyfriend that they would take to all of the time and two or three friends who were always calling them up for no reason. He does not do that sort of thing if you call him up he will politely tell you that you are burning up all of his minutes if you do not get to whatever the point of the call is.
Looking at how to get my own place, mostly because I have a girl and she hates the guys I am living with. That does not bother me too much, she does not have to like those guys, but it does interfere with the plan a lot. I have to figure out what I can afford obviously. Right now I am living in an old run down house with three other guys. We split the bills, we have a good Direct TV package with a lot of sports channels and one of those cheap Centurylink internet deals. The Internet is in my name and I got a good deal on it, so I might just swap it to the new address after I find it, but that is problem. Splitting the bills four ways is really nice. I can not get any place that is any good for what I am paying for this place. That much is for sure.
In fact my monthly bills add up to around 230 dollars for the stuff that is associated with the living arrangements. I have other bills, my auto insurance and the cost of keeping my car running, plus the food I eat while I am out away from home. That sort of thing is easy to ignore, but you have to be able to pay for it all. Right now I have a lot of extra money, because I am making pretty decent money and I am not using it on this sort of stuff. However if I get my own place it is likely going to cost me around three times as much as what it is right now. So that would take away all of the money I have been saving and a whole lot more that I had been putting away.
I have come to value the notion of budgeting time. I’m that kind of guy. The guy who budgets every facet of his life now; I once was just a miserly sort of dude who clung to his budget, his financial forecasts and pennies as if they were the only thing offering any meaning in life. Then I came across a theory which discusses the idea of budgeting time in order to optimize your financial situation in order to predict when you’ll retire. To this end, I started using a dry cleaner in Paterson NJ to shave off an hour or two out of my week.
It might not seem like much but I’ve reached a conclusion; I can do more work, and subsequently make more money, even when I am paying others to handle smaller tasks that are negligible at best and don’t require me to do them in order for them to get accomplished. Once I became aware of how much more money I would be able to make in a year with this tactic alone I hired a woman to clean my house every week – another handful of hours no longer having spent on superficial details like cleanliness.
The next step is going to be getting rid of driving myself back and forth to work entirely. I’m either going to start utilizing public transportation or go the distance and hire a driver. I believe I’ll be able to accomplish some tasks during the commutes to and from work which in turn should optimize my work flow. It’s just an experiment but already with the number of hours being set free during the day, I am finding myself less stressed when taking on work. I might even have to hire someone to do my cooking for me!
Of course the big problem with my plan is that it requires that I find a fairly significant source of cash to seed the operation and so far I have not really located anything which is close to ideal. The best option that seems to be easy to obtain is this online provider of cash advance loans. The problem is that the terms on the loan are pretty high in reality. In particular it is not any where near the kind of terms that I could get if a bank was willing to come through with this loan. Obviously the bank wants to secure the loan and so they would want to be able to take some stuff away from me if I did not pay them back what I borrowed from them. I have a car, but the bank would laugh at me if I offered it as collateral. In fact it is only worth any money to me because I am able to keep it running my own self.
At any rate I am still looking in to my options and thinking that the best course would be to wait and try to get in to a position where the bank is going to be willing to talk to me. That would probably mean that I would have to save up several thousand dollars of my own and get rid of my bad debts. At any rate the bank would give me the sort of rate and terms that would make sense, but if I get some sort of really disadvantageous terms on a loan, then it would make this adventure a bit untenable. You have to do the math and figure out what you risk and what you gain. In this case it is not that much.