Category Archives: money

Living Without a Phone and Internet

Can it be done? In this day and age can we live without a phone or internet? The question really is, can we live without a phone or internet bill?

We are attempting to answer that question here in Puerto Rico.

A lot of our challenges in living here are self-imposed. We could easily get a phone and internet plan, for instance, however, we want to see what our needs are versus our wants. And when you just replicate the life you left, you never actually get to find out that answer. Plus by going without we learn how to find work-arounds rather than just the easy, but expensive way.

And actually in Colorado, we both had phones paid for by our work, but we haven’t had a phone bill in a long time and we weren’t too excited to start paying a subscription of $50-100/month for that service. Same thing for internet.

For internet here, we have been using WiFi at various locations throughout town as well as the open WiFi signal that we can pick up on the roof of the cabana. That worked fine, except when it would rain. I tried to be out there in the rain once under a towel, but just got soaked!

Rainy Internet
Our rainy Internet café

But overall, we have been here for over a month and I would say that in general, yes we can definitely live without a phone or internet subscription. There is nothing so pressing that we have to be tethered to a phone or internet all day long.

But occasionally it is nice to be connected. Internet needs were met pretty well, but about two weeks after we arrived I wanted to call my mom. So we kept our eyes out for a pay phone and we found one at the Econo Grocery Store in Rincón!
pay phone
Public Payphone: A rare sighting nowadays

We were stoked to have a resource like this for other occasional calls we may need to make, like lining up bee removal, tile installation, labor, etc.

We made our first call to my mom using the credit card feature –against my gut feeling that we should just use change. I never like paying for something without actually knowing the bill amount. The call went fine.

A couple of days later, however my instincts turned out to be correct as we checked our bank account and saw a charge of $52 for telephonic services! Well geeze, if we were going to spend $52 on 10 minute phone call, we would just get a cell phone! We thought that must be a mistake because the rates on the payphone were like 50 cents for 5 minutes. Maybe it was a holding charge that would go away? We determined to find out, but we would need to call our bank in Colorado –using the very same pay phone! Thankfully, it was a toll free number and so we didn’t have to pay anything or give out any credit card numbers to call them.

The bank representative looked at the charge and said that it was a scam of some sort that a secondary party intercepted the credit card (debit card actually) number and charged that amount. She said they would reverse the charges in 5 business days and that we would need to get a new debit card since those numbers were compromised. What a pain! But it all worked out. The charges were reversed and a new card was sent out- to our forwarding address (Britton’s parent’s house in Greeley) since we still haven’t been able to set up mail service here (a LONG story that will hopefully be resolved soon).

The replacement card has arrived (thanks Barb for sending our mail to us general delivery), but we are supposed to activate it with our home phone -haha! Joke’s on us.  We will probably have to use that same pay phone and hope that it will work since it’s obviously not a home or cell number.

So, there have been some inconveniences especially when people ask for our phone number. It is just assumed you would have a phone. But if people really want to talk with us they just come to our house, like Rafael who sold us the blue guagua, or Dave who will be helping us with the remodeling of the wood house. We have no doorbell either, so a honk of the horn alerts us to visitors! Or people can connect with us via email or Facebook.

Every now and then Britton will have phantom cell phone vibrations from his traumatic experience with having to carry a cell phone at every moment including when he was on-call and had to sleep with it by his side. I never carried my cell phone with me since it was strictly for work purposes, so I think it has been a little easier for me to adjust to the no-phone lifestyle. We are not sure if we ever will get a phone, but for now it is working out. It is actually a really freeing feeling.

And as for phone calls to my mom in the future, we just had our first Facebook Skype session. Hey, even better than a phone call because we can see and hear each other and it’s free (thanks Laura for helping out)!

IMG_4043
Trying to show up on Skype with my mom in the dark -the flash of the camera

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Taxes Hurt!

We just talked with our accountant and he said that we are going to have to shell out quite the check to the Federal and State governments. This is mainly due to the sale of our rental house last May. While we still came out ahead, it is REALLY expensive to sell a house especially if it is not your primary residence. Ultimately where we thought we had a nice profit margin from the sale, we are only walking away with about 40% of that. Sixty cents of every dollar we made went to either tax, fixing it up for the FHA requirements or the realtors and closing costs! That is insane!

property-tax-bill

We were bracing for this tax bill ever since we sold it, but it still hurts when the time comes. I can see why the government does tax withholding on labor income because even though we paid way more than this amount throughout the whole year in automatic withdrawals (from our employment), it hurts a lot more to just write the big check all at once.

The thing about taxes is that it pays for many good and important things in society, but your contribution just feels like one of many and the roads and schools and things would still be there if you weren’t there (or hadn’t sold a house). Unlike a direct purchase where you get to use it right away and see its direct effects, taxes are much more ephemeral.

As it might be fun to get a little card in the mail like those programs in Africa where you feed a child and they send a note from a full-bellied child thanking you for your donation, it would be nice to get a thank you card that says “so and so street was built due to your generous tax contributions” or “this and that fire station” or “some war was paid for because of you” (well maybe not that one so much). But you get the idea.

Oh well, it’s a part of society and as they say there is nothing certain about life except death and taxes. In the mean time, I am dropping the Rincon progress vine down just a bit to adjust for this big bill. :-p We’ll make it up, we always do, it just hurts for a while. And we can’t lose the perspective that we still made money on the whole thing. Just not nearly as much as we thought.

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The Waiting Room

After we got our new carpet installed, we decided that anything we weren’t going to be using right away, would go into the empty upstairs guest bedroom. We called it the “waiting room” as all the items in it would be just waiting to be sold or given away. We made a goal of listing at least 3 items on Craigslist each week with the hope of selling them.

Dresser
We sold this dresser in about 10 minutes!

We really don’t have that much stuff if it can all fit into a 11×11 room. But it is still enough that we have to figure out what to do with it. The hardest is stuff like my shoes and closet full of clothes that I love, but will have absolutely no use for down there and which, to be perfectly honest, I really don’t wear that much here anyway. I have about 5 pairs of shoes that I always wear. Similar story with my clothes. The rest are just for fun or special occasions. So far I haven’t sold any of my shoes, but I hope to at the right price. It would be a shame to have to toss these nearly new shoes and boots!

Shoe Collection
Some of my shoes I have collected over the years

We also have all of our various houseplants and gardening tools to contend with.

Lime Tree
We sold this beautiful lime tree and I think we made some new friends in the process as well!

Germination Station
We also sold this germination station heat pad super quick!

We’ve also made some bigger sales including one that is pending and Britton has started to go through and sell his old records like this autographed Guns N’ Roses album that he sold on Ebay.

IMG_2823
Guns N’ Roses Album

It’s been a lot of fun going through all of our stuff and selling it in sort of a laid back garage sale sort of way. Craigslist is cool because unlike a garage sale, people aren’t just browsing…they actually want your stuff, like we did with when we bought a  Kitty carrier we found on there. It’s not as cheap as garage sale prices, but it’s a LOT less than full retail and you can do it any time of the year.

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Puerto Rico Prep Time

Can you believe it has already been 2 months since Britton’s memory/health scare? Me either! He went back to work this week and our schedules have normalized once again. However, what is in the back of our minds (and sometimes in the front), of course, is our move! This is a big deal for us because we have lived in our Greeley, Colorado house for nearly 10 years now! Talk about time flying! Now that we have only 8 or 9 months until we move we are seeing how much really needs to get done!

Thankfully we have already made our checklist and have started working our way down our timeline to Puerto Rico at a nice pace. We are certainly on track, but just like any major event (say, planning a wedding for instance), most things have to wait until just before the actual event is about to take place.

In the mean time, we have accomplished a few tasks on our lists. One of those was to find Kitty a pet carrier that was airline approved. We found a Sherpa brand soft-shelled cat carrier on Craigslist for just $20. Brand new they cost about $70, so we thought that was a decent deal and Kitty seems to like it ok.

Kitty and the Carrier
Kitty and the Carrier

Britton in carrier
Britton liked it more! 🙂

We also pulled the trigger on buying new carpet for the upstairs of our house. Now that Schnoodle is gone and we will be renting out  the house when we move, it makes sense as an investment to fix it up for the future tenants. Plus we will be able to enjoy it for these next few months. I believe they will be installing it this weekend, so stay tuned for the before and after transformation.

In order to install the carpet we have to move off all of our furniture and anything else that is on the carpet. That has helped us to see more clearly what we will be dealing with in terms of “stuff” when we actually move. It’s kind of astonishing how much “stuff” we accumulate over the years. And we have consciously tried not to buy or accumulate!

Basement Stuff 2
Stuff from around the house now in the basement -clothes, shoes, computers, pictures, guitars, etc

I am starting to see the wisdom in Britton’s view of starting fresh in Puerto Rico and not bringing much with us. For one thing we will be living in a studio cabana when we first move there and two, it is going to be difficult to transfer/ship a lot of our life and belongings there. Already a few of the items in our “first moving bag to PR” ended up getting broken in transit even with the “Fragile” warning. So…we have a lot of stuff to clear out one way or the other. It is eye opening to realize that our stuff is just that -stuff- and it feels good to have a clean slate. But it is still difficult to sort through especially when you’re a sentimental and collecting type like me.

Overall, things are swinging right along during this Puerto Rico prep time and we are still on course for our tentative move date. As it gets closer and closer, our dream life of Puerto Rico and “real” world  of Greeley life are starting to converge and it is very exciting!!

Tall Yard 2
Soon we will be back here!

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