First Steps

1. Assess Your Situation

- List ALL debts with:

* Total amounts

* Interest rates

* Minimum payments

* Due dates

* Current status

2. Calculate Total Debt

- Credit cards

- Personal loans

- Student loans

- Car loans

- Mortgage

- Medical bills

- Any other obligations

3. Create a Budget

- Track all income sources

- List all expenses

- Categorize spending:

* Essential (needs)

* Non-essential (wants)

* Debt payments

Immediate Actions

1. Stop Creating New Debt

- Freeze/cut up credit cards

- Remove stored payment info

- Delete shopping apps

- Avoid new loans

- Use cash/debit only

2. Build Emergency Fund

- Start with $1,000

- Prevent new debt

- Keep separate from checking

- Use only for true emergencies

- Replenish if used

3. Reduce Expenses

- Cancel subscriptions

- Lower utility costs

- Reduce entertainment

- Shop with lists only

- Use coupons/sales

- Cook at home

- Find free activities

Debt Repayment Strategies

1. Avalanche Method

- Pay minimum on all debts

- Extra money to highest interest

- Continue until debt-free

- Most cost-effective method

2. Snowball Method

- Pay minimum on all debts

- Extra money to smallest balance

- Build momentum

- Psychological wins

3. Hybrid Approach

- Combine methods based on:

* Motivation needs

* Interest rates

* Balance sizes

* Cash flow

Income Maximization

1. Primary Job

- Ask for raise

- Seek promotion

- Work overtime

- Learn new skills

- Change employers

2. Side Hustles

- Delivery services

- Online freelancing

- Pet sitting

- Teaching/tutoring

- Selling items

- Part-time work

3. One-Time Money

- Tax refunds

- Bonuses

- Inheritances

- Gift money

- Sale of assets

Negotiation Tactics

1. Credit Card Companies

- Request lower rates

- Ask about hardship programs

- Negotiate settlements

- Balance transfer options

- Payment plans

2. Medical Bills

- Review for errors

- Ask for itemized bills

- Negotiate total amount

- Setup payment plans

- Seek financial assistance

3. Student Loans

- Income-driven repayment

- Deferment options

- Forbearance

- Loan consolidation

- Forgiveness programs

Professional Help

1. Credit Counseling

- Free consultations

- Budget assistance

- Debt management plans

- Educational resources

- Reputable agencies only

2. Debt Consolidation

- Compare rates

- Read fine print

- Calculate total cost

- Consider pros/cons

- Research lenders

3. Legal Options

- Bankruptcy consultation

- Consumer protection

- Debt collection rights

- Legal aid resources

- Last resort options

Lifestyle Changes

1. Shopping Habits

- 24-hour rule

- Need vs. want

- Price comparisons

- Cash envelope system

- No impulse buying

2. Financial Education

- Read money books

- Follow finance blogs

- Take free courses

- Learn budgeting

- Understand credit

3. Support System

- Share goals

- Find accountability

- Join support groups

- Seek mentorship

- Celebrate progress

Long-Term Success

1. Stay Motivated

- Track progress

- Celebrate milestones

- Visualize goals

- Remember why

- Stay focused

2. Prevent Relapse

- Maintain emergency fund

- Live below means

- Continue budgeting

- Save regularly

- Avoid old habits

3. Build Wealth

- Start investing

- Retirement planning

- Build savings

- Multiple income streams

- Financial goals

Warning Signs

Watch For:

1. Missing payments

2. Using savings for bills

3. Credit limit increases

4. Minimum payments only

5. Collection calls

Resources

1. Free Tools

- Budgeting apps

- Debt calculators

- Credit monitoring

- Financial planners

- Educational materials

2. Government Help

- Student loan programs

- Housing assistance

- Credit counseling

- Consumer protection

- Legal aid

Remember:

- Progress takes time

- Small wins add up

- Stay consistent

- Ask for help

- Don't give up

Success comes from:

1. Clear plan

2. Consistent action

3. Lifestyle changes

4. Support system

5. Long-term commitment

Today, I am going to revel in the wonderment I made it this far.

Later today, I am going to reread everything I have ever published.

Tomorrow, I am going to begin the second chapter of my unfinished life.

Tentatively entitled, "My New Bucket List."

Then start knocking it off, one by one.

Thanks - Andy Betz.

ABCDFGHIJKLMNOPQRSTUVWXYZ

May 28, 2024

A man with a plan

To avoid a stock vocoid

Calls for vocab aid

Bankrupt of succor

Finds surplus 25 strict

Thinks most will also

So abolish a

Singular complication

Invariably

Stay cognizant of

Implications and backlash

From such thoughts from all

Focus on your goal

Your ink sans a fifth symbol

Spawns your own story

The tawdry beast is never satisfied,

So the teleharmonic squawking

Ups her savage game

And aggravates the sonic blister

Of ugly demand.

For we are victims of our own renaissance,

Mere cool cucumber casualties

High on our metastatic supply.

Who will torch

These plastic ghouls

That dispatch transmissions

Through blue jean pockets

And light up dim lantern souls

With deadweight oblivion?

Wedded to machine,

Toy phantoms signal

A funeral wail

Of coded underground sound,

Where the voided and dead,

Host invisible playgrounds

And carnal carnivals.

And the cyber crawl sprawl

Laps salt lick waves of iron seas

That sheets its wraparound pillage

Into the pear halved gates

Of domestic sanctuary,

Snaking in grim tidings

And ruthless come hither lies,

The specious fairweather charms

Of hypnotic blizzard flies.

Black hole hearses

Are held unshakably taut

In the hooked snout fingers

Of her buzzard encircled drinkers

That give zombie stare cheers

To sugar sweet strychnine

Masquerading as wine.

And let God be told

That we let the Trojan horses sidle in,

With noble intention

Atop imperial garland halo heads

Braided with naïveté

And peril;

A King Lear tragedy

For the technocratic age.

For we are victims of our own renaissance.

The day after Paige’s birth, Joan informed her bees that she and Norman had a healthy granddaughter. Telling the bees about major family events was an old folk custom that kept the bees from swarming, lowering productivity, becoming sick or aggressive, and dying; the folklore that said which benefit varied regionally. Through her life, Joan tried to find out what telling the bees prevented. She thought the custom inexplicably benefited bees.

Weaning sent Paige into anaphylactic shock—she was allergic to onions, garlic, and other alliums. She suffered mild to moderate allergic reactions from direct contact with alliums, either edible or decorative. But eating them was potentially lethal.

Her grandmother, Joan, told the bees about her hospitalization and her recovery. Then many times through Paige’s life, the bees learned of her allergic reactions.

Paige spent school day afternoons with Joan and her grandfather, Norman, while her parents worked. Joan found ways to protect her from allium residue; Paige ate honey made from allium pollen with no reaction, but the bees left particles behind, and beekeepers rarely needed Joan’s stock of bee protective clothing. Joan warned her hired beekeepers about Paige’s allergy. Joan banned her bees from pollinating alliums and they obeyed.

Joan gave Paige a beehive for Christmas, though her mother, Melanie, insisted Paige’s hive live on Joan’s land. Paige painted flowers on it.

Beginning with Paige’s colony, Joan told the bees why Paige would not work with them for the foreseeable future. Thousands of bees swarmed out and buzzed anxiously; most worker bees already foraged elsewhere.

“Which mood is it?” Emma asked, walking up the path. Emma, Joan’s summer employee, recognized normal buzz, angry buzz, and cold buzz.

“Anxious, but now sad.” Joan’s hands were clasped behind her back, indicating she told the bees something.

“Why?”

Joan explained Paige’s condition in more detail to Emma than to the listening bees.

Melanie and Paige’s father (who divorced over problems stemming from Melanie’s hatred of Joan’s bees) refused to take Paige out to eat. For her eleventh birthday, she wanted to eat at a restaurant, more than anything else her family offered. Following weeks of arguing, her parents and grandparents grudgingly searched for a safe restaurant.

Joan sold honey to the owner of a local restaurant, Ross Andrews, and she recommended him. She and Melanie inspected it. Ross strictly and aggressively followed laws regarding the fourteen major allergens, so he seemed able to manage Paige’s rare allergy. As a favor to Joan, Ross personally supervised Paige’s meal on her birthday—he avoided being sued, he wanted repeat customers, and he felt sorry for Paige.

Paige was fine. She loved the meal, which agreed with her. Her parents promised to return.

Next time, though her parents suggested she eat the same thing she ordered before, Paige wanted to try something new. According to the normal recipe, the dish’s onion was mingled with other ingredients. The food tasted new, which she wanted. Her parents’ meals lovingly tended towards the cautious, reliable, and boring side.

Paige ate part of her meal before developing symptoms. Quickly, she went into anaphylactic shock and from a lack of oxygen, suffered brain damage. She relapsed.

Later in the day, most of Paige’s bees found Joan and Emma. They arranged themselves into Paige’s face.

“What about Paige?” Joan asked the bees.

The illiterate bees formed one of the patterns Joan routinely taught her bees: the cursive word ill. Normally, Emma justified the synchronized flying as pareidolia, but they formed very clear, purposeful patterns to certain people.

“Paige is ill,” Joan said. “And you can do nothing for her, but she will be all right. We have lots of work around the apiary. Let’s press on.”

The bees dispersed. To Emma, their body language seemed sympathetic, and, weirdly, the total effect of their body language and buzzing reminded her of children after a schoolyard fight.

Joan acknowledged that her bees behaved abnormally. She hid their behavior from most people, even beekeepers; Joan’s family and Emma were informed people.

Promptly, Ross investigated the cause of Paige’s reaction. He grated against one of the chefs, who ignored him at every opportunity. Further, the chef was skeptical that every so-called allergic person requesting changes to a dish legitimately was allergic. The irritated chef cooked Paige’s meal.

Therefore, Ross fired the cook, wrote a strongly-worded letter of condemnation (just in case the chef asked for a reference), and apologized to Paige’s family. Melanie sued Ross’s restaurant. Ross immediately agreed to settle the suit, though he hated the prospect and thought that the cook, rather than his restaurant, was the problem.

The queen bee wanted to find Paige and her attacker, whom the queen bee thought were in the same place. Generations of queen bees passed down knowledge. In this case, the queen bee thought because attackers of bees came to the beehive, attackers of humans went to the humanhive.

Scout bees peeked through the cottage’s windows, hoping to find Paige. Then the queen bee sent a scout bee escort wherever Joan went. The queen bee expected Joan to eventually lead the scout bees to Paige.

Joan considered herself too old to drive; five minutes after she began driving, the passengers agreed with her. So, Emma drove Joan in her old pickup to buy supplies or make deliveries. Joan asked Emma to drive her to Ross’s restaurant. She normally canceled orders over the phone or through email, but the unusual circumstances warranted an in-person cancellation.

“The lawyer said we ought not to contact Ross, and Melanie won’t drive me,” Joan said.

“Will you get into trouble?” Emma normally left uncomfortable situations, worried they might get her into trouble.

“Oh, no,” Joan said, waving the thought aside. “I simply shan’t sell honey to Ross.”

Emma thought of a good reason to refuse. “What about the police?”

“Thankfully, she won’t die, or they would investigate,” Joan said.

“And you won’t threaten Mr. Andrews or something?”

“Vengeance isn’t Christian.”

That seemed like a good trouble preventative and Emma agreed. She thought the unfamiliarity of her current situation made her uncomfortable.

Joan’s hearing aid blocked out the sound of bees buzzing onto her hat and off it and towards the restaurant. She wore false flowers in her hat to shelter bees from the elements, and in her purse she carried an emergency vial of water and another of sugar syrup.

While waiting for Joan, Emma read Joan’s extensive apiary notes. Anything else felt lazy and the notes interested her mildly. She liked her job, Joan, and Norman; Paige annoyed her a little bit, and some days she disliked Melanie. Apiculture appealed to Emma more than the few other jobs sporadically available.

Also, Melissa (Joan and Norman’s daughter and Melanie’s half-sister) paid Emma to tend her bees year-round and mail her the produce every autumn. Melissa lived in Arizona, a climate capable of scorching the dark European honey bees, so Joan put Melissa’s bees next to Paige’s hive. Melissa’s bees showed the same odd traits as Joan and Paige’s.

Emma noticed the fuzzy brown scout bees flying hastily back to the pickup.

“A couple scout bees want to talk to you,” Emma said. “Behind you.”

Joan turned around. “Did you wish to show me something?”

The bees flew side-to-side, meaning no, then buzzed towards Joan’s hat.

“Are they aboard?” Joan bent her head towards Emma.

“Yeah,” Emma said.

“Funny bees wanted an outing,” Joan said, lovingly. “But curious they came on a rainy day. We must bring them back on a nice day. Perhaps they wanted out of the rain today, but want to show me something later.”

Joan had a bad rheumatic day and the trip wore her out; she dozed in a garden chair with a blanket and hot water bottle. In such circumstances, Emma maintained the hives independently, but because Emma was a minor, Joan supervised with a walkie-talkie. Emma considered it silly. When Emma and Joan worked on different acres, Emma rarely asked her a difficult question over the walkie-talkie or for help in person. She had more experience than most other beekeepers Joan trained.

Emma noticed nothing unusual about the bees, or at least, nothing identifiable. Daily, large numbers of bees practiced pictures or synchronized flying and it could be confusing to humans. It made perfect sense to bees and was part of their extraordinary behavior. She re-checked the practicing bees regularly because the bees figured out how to communicate their problem. Whenever Emma approached Paige’s bees, she had the impression they were Behaving Themselves, like cheaters when a teacher looked over. Emma never saw a specific shape or a fragment, just lines, swirls, and blobs, which faded as she watched.

The weather improved and Joan felt much better. She went to the apiary shed every morning to prepare for the day. Technically, her entire farm was an apiary, but “apiary shed” or “apiary” referred to a specific outbuilding, distinct from “the shed,” which tidily held equipment, supplies, tools, and the like, with plenty of space for Joan’s bee extraction gear and building hives. She stopped extracting bees long ago and building hives several years ago.

The shed came with the farm, but Norman wanted Joan to have a nicer outhouse. The apiary was somewhere between a business office and study and contained everything Joan needed to sell honey, from packing to planning. It also housed her extensive books and notes. She processed honey and beeswax in an adjoining room. That year, Joan stopped selling propolis, royal jelly, and other products.

Paige’s bees hovered outside the glass and several tapped on it in unison to attract her attention, so Joan went outside.

“Now you had something to tell me?” Joan asked the bees.

Just then, Emma came round the side of the pastel pink apiary shed. Slowly, the swarm formed Ross’s face and a simple flower pattern: a five-pointed blossom, a couple of pointed leaves, and a cluster of circles. She recognized the deadly nightshade symbol from Joan’s Bee Phrasebook. Joan described and photographed it, but now Emma saw it live for the first and only time. According to Joan, bees collected pollen of some poisonous plants, ate the resulting honey, and were fine; the honey caused plenty of harm to people. As far as Emma knew, bees (other than Joan's) had absolutely no idea that certain plants poisoned humans. So, Joan taught her bees about local poisonous plants, including ones which made bees sick.

“No, no poisoned honey,” Joan said, resisting the urge to flap the bees away, since, understandably, the sweetest bee hated being hit and felt quite insulted and possibly threatened. “We can’t poison him. Vengeance isn’t Christian. Now stop it! Don’t make honey from deadly nightshade. Shoo!”

The bees’ shapes disappeared and the swarm flew to the hive.

Joan turned to return to the apiary shed and saw Emma. “Did you see them?” Joan asked.

“Was that Mr. Andrews’ face?” Emma asked.

“Yes, I believe it was,” Joan said, flustered. “But I told them not to hurt him. And they listen to me.”

“It looked like him and deadly nightshade.”

“And I’ve warned them about such clear pictures."

“Did he poison Paige?”

“She had an allergic reaction to onions. And I told them not to hurt him.”

Emma did not want to assume Mr. Andrews' face and deadly nightshade held together meant poison him, but if Joan believed it, she was prepared to. She asked, “Should we warn him?”

“They listen to me, and he might think it a threat,” Joan said. “I’d tell the police, but they don’t believe bees premeditate murder.”

"A policeman might need to see the bees’ patterns to believe it. What happens when forensics trace the bees to you?”

“The bees shan’t kill Ross.”

“How do you know?”

“They don’t know his address, and their little wings would give out. You needn’t worry yourself about Ross. I must speak to Norman quickly, but you can begin work.”

Norman comforted Joan. In his experience, the bees obeyed Joan. He agreed that the bees were intelligent and emotional—certainly good planners and able to attack other bees and honey eaters—but he thought premeditated murder was too complicated and human.

Part 2 coming November 27, 2023.

Writers and Dear Readers,

Here's the link to our new YT video, if haven't yet subscribed. We cover a few of our writers, and a challenge, and just shoot the breeze... Hope you tune in!

https://www.youtube.com/watch?v=oRSfd2Rk4DI

As always, thank you for being here.

-The Prose. team.