Generally speaking, idle unpaid accounts like this are either sold by the creditors to a third party debt collector, resetting the clock, or they will sue you for the non-payment to get a judgment or lien, resetting the clock.
The only sure bet is bankruptcy, which will drop off your report after a period of time that varies from state to state in the U.S. (generally from 7 to 10 years). Not sure is this applies outside the U.S.
Regarding the heating/cooling, if you’re home is decently insulated look into supercooling in the summer months. At higher temperatures your heat pump has to work harder to cool down the home. By running cooling overnight when temperatures are lower, it uses less power to the same result.
I cool my home to 68f from 2 am until 8 am on a schedule, and then the heat pump stays off until the indoor temps reach 74f. It’s provided a good amount of energy savings and helped me exceed the quoted power offset on my solar setup.
Use credit cards as cash, and pay off the balance weekly. This protects your bank account from fraud, as chargebacks and fraud are more easily dealt with on credit, and they tend to have better account monitoring and security than banks and credit unions. Even better if you have a cash-back/points card, that’s basically free money.
This also makes it easy to track spending if you have specific purpose credit cards. E.g, one card for groceries and gas, another for recurring bills or service payments, another for frivolous stuff, etc.
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Even if you have no other investments, open a high yield savings account and keep the bulk of your funds there, other than what you need for a general emergency fund and monthly bills. Current yields are over 4%, generally better than inflation, without any risk.
It’s not a picnic, and doesn’t have to be. Without the bad we wouldn’t always appreciate the good things in life. I’ve been fortunate, I’m living well these days, happily married, and haven’t suffered from depression in probably over a decade now (though anxiety is an ever present low buzz in the background. I’m used to it).
But that phrase is irksome. What doesn’t kill you doesn’t always make you stronger. Sometimes it fucks up your life. Sometimes it’s a roadblock, other times it’s life altering in unforeseen ways, and occasionally the consequences of what doesn’t kill is a tragic fate worse than death.
Tripping and falling might not kill me, might just lead to embarrassment. Or it could lead to CTE or irreversible brain damage from head trauma. Certainly not stronger for that sort of thing.
I’m a fan of “what doesn’t kill you only serves to postpone the inevitable.” But maybe that’s a bit fatalistic.
Yeah, but JIF is like… sugar and palm kernel oil garbage. It’s a peanut butter product, not peanut butter.
Peanut butter should have one or two ingredients, max. Peanuts, and maybe salt.
How about Windows NoPrivacyOnlyAdsForYou Edition? Kinda rolls nicely off the tongue.
You’re not likely to do that for $150. You might be able to pull an old Dell Precision T5500 tower with a weak Xeon on eBay for cheap and refit it with more ram, better CPU and cheap non-redundant storage for $200 - $250.
For sake of power requirements though, seriously consider your use case and needs. You can get by pretty well with cheap mini-PCs like Intel NUCs or AMD minis like Beelink for pretty cheap and just cluster them with something like Proxmox to scale out instead of up when you need additional resources. This will be reasonably priced and keep the power bill and noise levels down.
It’s a variation on what my wife calls me. It’s been my username on forums and such for a long time.
Not even gonna front, I actually like the Ryan Reynolds Green Lantern movie.
I spend a bunch of time in log reviews in my current role. “Googling the error message” image is literally hanging on my office wall.