#instalment loans

[hella1975]

im genuinely the dumbest person alive

#im so fucking angry with myself im SO stupid #like yes im only 20 ive never really handled my finances alone before #this is only my second year of paying rent EVER there was bound to be mistakes #and im lucky to have a family that can support me when those mistakes inevitably occur. but my fucking goddddd #basically i didnt plan ahead and turns out my TOTAL student loan for this year covers my TOTAL rent this year #but ofc the installments dont cooperate and the sums are different per semester etc #so instead of looking ahead and going 'oh shit my last loan won't be enough to cover my last rent installment' #and using that very easy to make observation to figure out that i need to be saving the leftover money from my loan throughout the year #i instead went 'omg i have leftover loan this term!' and fucking spent it #im short £600. im going to owe my parents £600 #and yes in the grand scheme it's not a huge amount of money like it could have been #but not only will i not be able to pay my parents back until july bc i CANT take out of my america savings #and i definitely cant start saving up £600 ON THE SIDE OF TRYING TO SAVE A GRAND FOR AMERICA #but on top of that being in debt to my mum is the worst thing in the entire world and now i have no choice but to be in debt for 3 months #before i can even start paying it back. like that's 3 entire months that she's going to use it as a stick to beat me with #like not only does she sometimes REFUSE to take money that i earn waitressing bc she insists on having the debt paid through actual labour #but she's also just a complete bitch about it and i know it's very spoilt to expect not only to be covered when i get into debt #but to also expect her to be nice about it but like. im not asking her to CODDLE me i get initially it makes sense for her to be angry #but she could at least acknowledge that i ALWAYS beat myself up over shit like this way more than anyone else will #like im so mad rn im trying not to cry just bc im so FRUSTRATED and the entire time she's fucking shouting in my face #about how she moved out at seventeen and had three jobs at uni and no one to support her etc etc #and just name-callling shit im already calling myself like it was an HONEST MISTAKE #she's acting like i purposely went behind her back and took £600 when i was very visibly horrified when i figured it out #and i immediately came clean to her regardless of how scared i was to admit it. im just so mad like i know i sound spoilt #and like im huffing and puffing over something that could have been SO MUCH WORSE if i didnt have my parents to cover me #but like. i can pay her back within 2 WEEKS of waitressing. ive never handled my rent before. i didn't do it on purpose #and im more annoyed with myself than she can ever be and she KNOWS that about me. so like. please dont shout at me lol #it's just i was SO proud of myself for saving for america and how hard ive worked and i should have known i was gonna fuck it up somehow #& now the £1500+ i'll total have saved for america that i worked so hard for is gonna be tainted bc i owe £600 all bc of my own stupidity #hella goes home

[girlfriendsofthegalaxy]

omg i am finally paying off a surgery from JANUARY, the last payment is this week

#just in time for student loans to start 😑 #love to have to go on an installment plan to get my tubes tied #this is only one of several medical debts but hey #baby steps

[cookiescr]

I urge you all to mute my vent tag because i am annoying

#vent #once again frustrated with my dad because he called me unfair for not falling for his obvious shit and not paying the last part of his loan #i was asking my sister to be the one to handle the installment thing for the washing machine #and my dad heard and was like you’re being unfair you can just pay the rest of my loan and then take another loan for the washing machine #using his name #and i was like how tf is that unfair i litrally paid half of your loan already wtf man 😭 #and then jokingly said ok you can just pay this other thing #he apparently ended up with a 200 debt on an online store and is asking me to pay it #like wtf man why are you being irresponsible with money 😭 #im trying my best to save here while still pitching in with home stuff #like i understand you wanting things ofc like feel free but please be responsible with how much you spend 😭😭😭 #rants n rambles

[techmomma]

Good news! I've bought my own car!

It's a 2012 Nissan Leaf. It is blue. It is so cute and so fun. I love it so fucking much. It's been running great for weeks (they let me drive it off the lot). It is my favorite car I've ever driven. Still waiting on the approval from the bank but my dealer is supposed to hear back on Monday or Tuesday for the loan approval.

Bad news! Went to get an anti-theft implement installed and then charged my car at the nissan port across the street and now the battery won't hold a charge! The dealer's service guys aren't in on Sunday so gotta wait till tomorrow before they can look at my car!

I also don't have insurance or even a license plate yet because I'm still waiting on the loan approval and didn't want to get those started without confirmation that the loan was approved! Because getting those when the deal hasn't been finished yet felt like a bad idea!

Fuck!

#I am hoping that since the loan hasn't been approved yet technically that there's some loopholes we can use #and the worst part is there's nothing in the security thing installment that would affect the charging #the most likely option is the charger at the nissan dealership across the street did something to my car #THE CHARGER #FOR ELECTRIC NISSAN VEHICLES #MY VEHICLE SPECIFICALLY #yesterday was... weird to say the least #always a good sign when the tow truck driver pulls up and is like #'damn not even a license plate yet huh'

[ozvaldopro]

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[4ngelofpurgatory]

okay here she is

#i did nottt expect billie eilish to show up... i had a small phase where i was like wow i kinda miss the 2018 energy... #shes good i wokt deny that but not my no.2 fav #anyways 😋 this is the first year where im like yeah this is okay ig... #cuz i only use spotify on my school loaned laptop that i cant install adblock on

[intobarbarians]

the thing about modern day convenience is that somebody usually suffers for it. for instance, cash users subsidize rewards card users. vendors hike up their prices when credit card companies take a slice of their profits. in what way do people who primarily use cash benefit from this? credit card users enrolled in a rewards program see their cash back or frequent flyer miles. it doesn’t always connect that this benefit only they enjoy contributes to price hikes, right?

people who like using apple pay and google pay or whatever, do they consider whether or not those institutions are legally considered to be banks or credit providers? if they are not, then what privacy or protections do you have concerning your financial transactions? what remedies do you have if they lose all of your money? the legal distinction matters!

convenience is great! many things in day to day life should not have so much friction. in other cases, what you give up (often unknowingly) is not worth the price of convenience.

#i want taxes to be easier i want healthcare to be easier i want access to education to be easier #i’m kind of tired of more methods to pay for things #payday loans or paying for things in installments are so predatory #like please make it easier for me to be healthy and not go i to debt!

[norfkid]

swear to fuckign god if my uni doesnt sort out their site im gonna lose my shit, im having so many problems leading up to uni and im once again asking myself if this is worth the nine fucking grand we pay (spoilers, it’s not)

i can’t re-enrol on my course bc the uni site keeps comjng up with errors when it prompts me to change my password :) and if i don’t re-enrol i cant get my maintenance loan :) and i start uni on monday :) and i have to pay rent next sunday :)

#im fuckin fuming rn #this rent payments supposed to use this entire maintenance loan installation (and then some) too so skfhsks CMON

[postnuclearophelia]

How did you start doing installation art?

every possible thing in my life went wrong i suppose

#its one of the most annoying art forms to actually get work done in tho im obsessed with site specific installations on beaches etc. #so its really mostly just for u and god #its fun doing it in a gallery 2 and the conceptual driven galeries will eat it up if u get ur name out there #honestly art college is a good place to do more conceptually driven art #and money isnt real so just get the loans and go like fuck it lol

[bluecat-with-glasses]

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[muthalaguofficial1]

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[projectsparadis]

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[gil-estel]

one side effect of House Viewing is that we're now actually seriously talking about finishing the basement (into an in-law suit that would become My Space)

#id be paying for it #so the main thing would be drawing up a legal agreement stating that i have equity in the house equal to the increased appraisal value #(we cant put my name on the deed for tax purposes and its not like i dont trust my mom but i want my net worth to reflect that investment #in case i need to apply for a loan or whatever #im actually kinda excited about the prospect of getting to design my own space! #itd be a 1br 1ba with a kitchenette and a decent sized living room #previous owners already framed and stubbed most of it #so the biggest structural thing would be to install another window in the bedroom

[sudaca-swag]

I just saw the worst financial advice ever on tiktok saying how you should pay absolutely everything with a credit card????

#yeah yeah supposedly its to get credit points so u will be allowed a bank loan faster but i dont think it works like that here #credit cards also accummulate massive debts and get u in trouble faster than a debit card could ever #also the best client for a bank is one in debt bc u can charge them interests and thats how they get their earnings #i guarantee u will end up in debt if u do this u will be tempted to pay shit in installments and start spending money u dont really have #credit cards are better for emergencies such as food at the end lf the month or buying one expensive thing like new shoes or a mattress

[ultimateumbreon33]

every time i have a favorite professor, they leave the next year… even with tenure…

#well. the one thats leaving now may not have come to this decision if admin hadnt denied it to her and four others last year for no reason #it was excepted this time but admin hasnt put out an email or anything to recognize it #*accepted #this is far from the worst that admin has done but it still gets me how they are sickening on every level. sucking this place dry and #forcing everyone who cares abt this place to leave #painting over murals. installing four cameras just to make sure no one chalks and brightens up the place a little. rips through the plant #life without going through the proper channels resulting in damage that will take over a decade to heal #rendering the title ix office useless at a time when reports are becoming more common #this college had been damn near perfect for me.. i cant imagine theres another one like this (that wouldnt require me taking out a huge loan #to afford) #we are literally gonna have two chemistry faculty returning next year. and one of them can only teach lab. we will be lucky if we can hire #three more to fill the empty spots. 0 chance of getting a pchemist cause the interim provost at the time had fucking ragged on the candidate #abt race and gender in a last minute meeting that made the candidate have to rush to the airport #fuck man….

[watercolor-wings]

Boomers would hate this but playing video games has actually made me good at money management.

#unironically i treat my money the same way i do my animal crossing bells #what goes into savings stays in savings unless i am making a big payment #loans are paid off in 50k bell installments and i must have that equal that or more in savings #any money i earn from fish bugs fossils etc goes directly to savings with a set amount of 2000 bells left in my pocket #legitimately like i divide my paycheck every month between savings and checking #i only draw from savings if i overshot my spending that month and i must put it back the next month #my car payment is technically like 392 but i just do a straight 400 #video games have legitimately made me good at managing my money #also having to save enough money for special items or weighing the costs of something against your game balance #has made me very good at online shopping of putting a bunch of shit in my cart and then methodically clearing it out over the next week