November 2024 – CatsGamesWhatever

October 2024 Goal Progress (New Mobile Phone)

I made some progress towards saving for a new mobile phone in October. It started slowly as I had to figure out how I was going to raise the money in the first place and then get to actually doing it. Since I figured out that “Beer Money” tasks were my best option right now that’s what I did.

Microsoft Rewards

I managed to make $10 in Amazon Gift Cards with Microsoft Rewards. I consider Microsoft Rewards to be the easiest thing to do. It’s also alas not very rewarding but it’s better than nothing.

Swagbucks

Swagbucks was initially overwhelming but I became acclimated over a week or so. The bulk of my time and effort went into doing surveys on Swagbucks. They are by in large mindless endeavors but I can do them with bits and chunks of spare time I often have throughout the day. To be transparent $2.23 of the Paypal balance was already in the account (I had forgotten about it) and it came from Microsoft Receipts before they discontinued the service in Canada.

Scavenging/Canning

An avenue I hadn’t really considered was collecting cans. I walk to do errands and sometimes just for enjoyment with my mom. I often pick up litter to throw it in garbage cans (because who else is going to do it if not me?) and I come across cans/bottles that can be turned into money at the grocery store nearest to my home. I make it a habit now to have an empty reusable bag with me when I’m on walks now for this purpose. This way of raising money is the most variable of the things I do and I doubt I will be able to accumulate as much when winter arrives in earnest. October has been mild in Quebec City and that translates to lots of after hour drinking and eventually discarding that I can take advantage of. Over the course of the month I made $4.

Summary

In October I raised $76.23 or about 19% of my total goal. That’s a little bit less than the required 20% I need to have accumulated by March 2025 but at least it’s on track.

Goal: New Mobile Phone

As I wrote in my previous post I need to acquire a new mobile phone by the end of March 2025. I have known about this problem since early October so have been saving what I can since then.

The problem is that I’m broke. What money is not going to just living is going towards my debt. First servicing the interest on the debt each month and then using whatever money that is left over to pay down the principal (if any!). There is simply no money left to save for a phone at the end of the month.

I would get another job but it’s not feasible given the constraints of my life. Since that is not an option I have had to get creative with my finances.

I’ve resorted to the domain of so called “Beer Money”. Doing menial tasks for bits of money with the time I have spare. Programs like Microsoft Rewards, Swagbucks, Cash back sites etc. It’s often pennies but it adds up. I’m not stupid so I know my time is worth more in theory but in practice this does not translate to real world results for me. When you’re poor pride can be a dangerous thing to cling on to if you expect something to change.

Now for the specifics:
Goal: New mobile Phone ($400 saved)
Start Date: October 01, 2024
End Date: March 31, 2025

Best Case Scenario:

A phone with 4-5 years of support in regards to security and Android updates so I can use it a long time without having to replace it.
A phone powerful enough to replace my aged Lenovo Smart Tab P10 that is reaching it’s end of life.
A phone with a good enough camera to replace my point and shoot Fujifilm Finepix AX600 that I’ve been using for Ebay ($15 thrift store find FTW).
5G capability so it’s futureproof and I don’t have to do this whole scenario again so quickly.

With this criteria in mind I was thinking of targeting models like the Google Pixel 8 or Samsung A35/S24. Ideally it would be a new phone as I’ve seen how some people treat their phones over the years but I’m not totally against buying refurbished as long as it has a warranty attached to it.

Worst Case Scenario

A phone with 5G capability

I would have to settle for an inexpensive model like the Motorola G play 2024. Unfortunately if this does occur I will still be left with the problems of an aging Tablet/Camera that need replacing. Not to mention a cheaper model phone will not get extended support with new versions of android or basic security support beyond say 2025. As far as I know no manufacturers besides Apple, Samsung or Google have committed to 5-7 years of Long Term support.

As an end note I suppose I should discuss the option of leasing a phone. Before October of this year I thought leasing was for cars or office computers. Apparently leasing is a very common practice in the mobile space that I’ve been completely ignorant of.

Basically leasing boils down to paying for a more expensive contact per month over a certain period of time (2 years is the most common). The mobile carrier will subsidize the cost of the phone. You either pay a fee in addition to your plan cost each month, pay nothing each month or pay a fee/prepayment combined with either of these options. At the end of the contract you either return the phone, pay a “Bring It Back” fee to keep the phone or in some cases just keep the phone outright paying taxes on the original retail price of it.

Unsurprisingly it has been complicated for someone like me who is unfamiliar with the process. I’ve slowly been learning the terminology and what these contacts usually entail. I read online that it is common for people to do this practice to have the latest phones trading them in every 1-2 years for updated models. In some cases some people can wind up with very favorable transactions coupled with promotions like Black Friday or carrier loyalty offers than substantially lower their cost per month below what would otherwise be offered to the general public.

In my case a BYOD (Bring your own device) plan will cost between $20-25 a month in addition to the upfront cost of the phone for what I need. That will be the basis I use to evaluate buying outright vs. leasing. Overall I’m skeptical I’ll go the leasing route however as there are pitfalls you can fall into and from looking I’ve not found anything cheaper than what I’m saving for anyway.

I need a new mobile phone

New mobile phones are awesome little machines. It has been surreal seeing them transform from portable landline to handheld computers that have shaped our world. The problem is that I’m poor so I’ve resisted buying one since they are so expensive to obtain but more importantly maintain.

My poverty has not changed for the better over the years but I did break down in July of this year (2024) and got one. The breaking point came for me when everything required having 2 factor authentication and that requires receiving a SMS text message (something a traditional landline is unable to do). I found myself unable to function normally and realized it was hurting me not having a mobile phone.

These concerns were voiced with my mom and she graciously gave me her disused and dust covered Nokia 3310 (2017). The battery was bloated and dead but an aftermarket one for $17 on Amazon gave it life anew. I coupled that with the cheapest prepaid/pay as you go plan I could find and thought I was finally done catching up to the modern world.

And as it turns out the Nokia 3310 (2017) is what is now referred to as a “Feature Phone”. My mom and I had been jokingly referring to it as a dumb phone for years but feature phone sounds much better to my pride. Feature phones for those that are unaware are phones considered basic or bare necessities. They can’t do any of the things that modern devices can but are simply there to receive phone calls and text messages. It turns out that all the features available to us today with modern smart phones can make people addicted or feel overwhelmed. As such a market has developed for simple devices that these people can use to help them conquer these problems. I think the Nokia 3310 (2017) is a fine phone in this regard and I plan on giving it a more thorough review later on.

The problem is that a Nokia 3310 (2017) is a 3G only device. Of course I had absolutely no idea what that meant at the time but there are apparently wireless bands that telecommunication companies use to provide service to their customers. 3G is considered the old standard whereas 5G is the one being used in Canada now (a newer and better standard apparently). Unbeknownst and unfortunately for me my carrier is sunsetting their 3G service in March of 2025 and will no longer be supporting devices in the 3G band by the end of that month. Nor will any other Canadian carriers be supporting it either.

That means in essence that in a few months time my new phone will basically be a brick. Wonderful.

Begin at the beginning

I’ve been having trouble figuring out how to start the first post to this place (CatsGamesWhatever.com) I actually registered it back in October 2024 (it’s now November 2024) but had refunded it a week later during the grace period offered by WordPress.

Creating something, immediately or eventually hating it and destroying it is a pattern I’ve done my entire life. I’m 38 years old and I have nothing I’ve ever written, thought or made left from a life lived. As to why it’s happened like that it would probably require a psychological diagnosis as to the cause. If I had to guess through my layman’s analysis though it would be down to a mix of depression, hating myself, health problems and perfectionism. A caustic concoction that would eat away at anything it was applied to. I’m doing my best to change though and I hope this website will be another step towards not acting like I have in the past.

There are other reasons that I’ve started as well but I’ll get to those in due time. For now suffice to say this was enough of a first step. If anyone besides myself ever reads this welcome and I hope you can get something out of the words I’ve etched into this digital island.