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Just in case people need it! Times are tough

I’m going to give you the best piece of Adult Life Is Hard advice I’ve ever learned:

Talk to people when things go to shit.

I don’t just mean get it off your chest, although that’s good. I mean: Something’s wrong with your paycheck/you lost your job/you had unexpected emergency car repairs and now you’re broke so your credit card payment is late. Like, not just 15 days late. We’re talking, shit got crazy and now you’re 90 days late with compounded interest and late fees and the Minimum Payment Due is, like, $390, and you’ve got about $3.90 in your bank account. Call the credit card company. 

I know it’s scary. I know you feel like you’re going to get in trouble, like you’re gong to get yelled at or scolded for not having your life together. But the credit card company isn’t your parents; they’re just interested in getting money from you. And you can’t squeeze blood from a stone or money from someone who doesn’t have any. So what you do is you call them. You explain you’re experiencing temporary financial hardships, and you’re currently unable to bring your account up to date, but you don’t want to just let it get worse. Can you maybe talk to someone about a payment plan so you can work something out? Nine times out of ten you’ll be able to negotiate something so that at least it’s not just taking a constant, giant shit on your credit score.

- Can’t pay your power bill? Call the power company.

- Can’t pay your full rent? Talk to your landlord.

- Had to go to the hospital without insurance and have giant medical bills looming in your place? Call the hospital and ask if they have someone who helps people with financial hardships. Many do.

- Got super sick and missed half a semester of class because flu/pneumonia/auto-immune problems/depressive episode? Talk to your professor. If that doesn’t help, talk to your advisor.

You may not be able to fix everything, but you’ll likely be able to make improvements. At the very least, it’s possible that they have a list of people you can contact to help you with things. (Also, don’t be afraid to google things like, “I can’t pay my power bill [state you live in]” because you’d be surprised at what turns up on Google!) But the thing is, people in these positions gain nothing if you fail. There’s no emotional satisfaction for them if your attempts at having your life together completely bite the dust. In fact, they stand to benefit if things work out for you! And chances are, they’ll be completely happy to take $20 a month from you over getting $0 a month from you, your account will be considered current because you’ve talked to them and made an agreement, you won’t get reported to a collections agency, and your credit score won’t completely tank.

Here’s some helpful tips to keep in mind:

1. Be polite. Don’t demand things; request them. Let me tell you about how customer service people hold your life in their hands and how many extra miles they’ll go for someone who is nice to them.

2. Stick to the facts, and keep them minimal unless asked for them. Chances are they’re not really interested in the details. “We had several family emergencies in a row, and now I’m having trouble making the payments” is better than “Well, two months ago my husband wrecked his bike, and then he had a reaction to the muscle relaxer they gave him, and then our dog swallowed a shoestring and we had to take him to the emergency clinic, and just last week MY car broke down, and now my account’s in the negatives and I don’t know how I’m gonna get it back out.” The person you’re talking to is aware shit happens to everyone; they don’t need the details to prove you’re somehow “worthy” of being helped. They may ask you for details at a certain point if they have to fill out any kind of request form, but let them do that.

3. Ask questions. “Is there anything we can do about X?” “Would it be possible to move my payment date to Y day instead so it’s not coming out of the same paycheck as my rent?” The answer may be “no.” That’s not a failure on your part. But a good customer service person may have an alternate solution. 

Anyway! I hope that helps! Don’t just assume the answer is “no” before you’ve even begun. There is more help out there than you ever imagined.

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So I found this caterpillar on my way to class

We’re bros

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My bisexual ass is q u a k i n g

^Photographer: @lillianliuphotography Model: @theresafractale Make-up: @ladyfreakshow​ Hair: @iamdhair_stylist Designer: @lindafriesen.couture

^Photographer: @topheroriel Model: @micaburton

^Photographer: @agnieszka_lorek Model: @theresafractale Designer: @lorysunartistry

^Photographer: @maria_lipina Model: @normila17

^Photographer: @defotograafsanne Model: @modelsensi Make-up and costume: @candymakeupartist

^Photographer: @anniebertramphoto Model: @theresafractale Dress: @maria.heller.designs Earrings: @vespermoth Crown: @nomenjewelry

^Photographer: @thewitchinghourphotography Model: @tee.pimentel

^Photographer: @anniebertramphoto Model: @theresafractale Dress: @feuillemorte.costumery Halo: @mywitchery Earrings: @vespermoth

^Photographer: @simplysavannahart​ Model: @shiennegh Designer: @itisknown

^Photographer: @anniebertramphoto Model: @theresafractale Korset: @royalblack_couture Make-up: @isabellakiefer_makeupandhair

Keep reading

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Watch: As Blythe’s poem ends, it’s clear what we must do in the face of rape culture and “pocket feminism.”

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Hey now, you’re an all star

listen to what I orchestrated

SoundCloud

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Hey!!! Made some thingz, thought y’all’z would like them!

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Source

Video of Tama

Follow Ultrafacts for more facts

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I'm sorry about politics on my blog, but the world's gone to shit and everything is burning. Spam call these numbers and demand justice for this man.

Calls for Justice for Aurora’s Violinist Elijah McClain Grow

Elijah McClain was a kind and gentle 23 year old who worked as a massage therapist in Aurora, CO. On his lunch breaks from work, Elijah would go to the animal shelters and play violin for the animals because he thought that they were lonely in their cages and thought that the music would calm them. 

In August 2019, Elijah went to the gas station to buy some iced tea for himself and his cousins. Because he suffered from anemia he would often wear a ski/ runner mask over his face to stay warm. On his way home, the Aurora Police department were called to reports of a “suspicious man.” 

(Warning: for violent description) Elijah was apprehended by a group of three cops, despite committing NO crime and being unarmed. A struggle occurred, and he was held in a very dangerous carotid hold around his neck while he cried for help, cried out that he couldn’t breathe, cried out that he was nonviolent and couldn’t even kill a fly, and was repeatedly throwing up. Elijah weighed a mere 140 pounds. You can hear on the audio footage, an officer instructing another to move their body camera out of view.

While 3 Aurora Police Dept officers violently restrained him they called Aurora Fire Dept, who injected him with ketamine (a powerful drug used to tranquilize horses or in surgeries by a trained anesthesiologist and illegal to be administered by anyone else) even though he was already cuffed and calm.

He went into cardiac arrest , slipped into a coma, and his family was advised to take him off life support 6 days later.

The cops were transferred to another department but never received charges. 

HERE’S HOW YOU CAN HELP:

DONATE 

Click this Link to call these Representatives and DEMAND JUSTICE!!

Especially call these numbers:

Call CO Governor Jared Polis [phone]

Call Aurora Mayor Mike Coffman [phone]

Call District Attorney Dave Young [phone]

Source / Police Video (Trigger warning) 

#WAKEUP

Follow here for more news

#black lives matter #blm protests #police brutality #blm

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America Sucks Right Now

A peaceful protester was SHOT today, and after shooting him once they shot the people trying to help him too, I don’t like to get political on this blog (jk I love getting political because i’m a masochist) but this is awful, and everyone should agree. Her is the link to a petition to fire the police chief involved in this heinous act. 

http://chng.it/dRbrgkHB9n

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Can yall tell me what eyeliner my dog uses? I haven't been able to find the brand and it looks like some bomb-ass eyeliner.

#dogs #eyeliner #aww #my doggo #doggolife #little #pupper #animals #love #emo

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Hey! Roleplayers!

Boy oh boy do i have the server for you! 

https://discord.gg/h8UrAKx

boom, fantasy roleplay. What beats that? Nothing.

#roleplay #fantasy #discord #servers #dndads

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It is lovely isnt it

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Yeah, this is just a massive WHAT THE FUCK on the professor's part. Honestly, dick move.

Black women something amazing 

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