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#and how the author uses her wealth to hurt trans people and
svartalfhild · 1 year
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I have no sympathy for people who cry "but my childhood" about HP, because bitch, it was my childhood too, but you don't see me making excuses. Do you have any idea how painful all of this is for my nb ass? I will never be able to fully express how much HP meant to me for most of my life, and I will never be able to fully express how much it hurts that the author of those stories is actively trying to harm people like me. Pushing HP out of my life was like severing a limb, but it was a rotting limb, and getting rid of it was necessary.
The more people drag this out by coming up with excuses to not let go, the more painful it is for the rest of us, not just because we are continually reminded of what we lost, but more importantly because it is giving power to a woman who is using her wealth and influence to do evil in a very real and immediate way. I understand how difficult it is to let go of something you've grown so emotionally attached to, but the health and safety of your fellow human beings is more important.
In this day and age, engagement is power, and as long as you engage with HP, monetarily or not, you are helping JK maintain the platform from which she spews her poison. Stop reading and writing fanfic. Stop making art. Stop putting your HP house in your description. Stop making HP references in your usernames. Stop buying and playing the games. Stop getting merch. Stop talking about the stories online. Every click, every view, every post, every trend is engagement that can be tracked and aggregated into one simple conclusion for JK and those who invest in her: HP is still popular->JK is still popular->her views are socially acceptable and giving her a platform is still profitable. We have seen the results of this, not just from her, but from politicians who agree with her and have the ability to encode their bigotry in law.
Let HP die. Save trans lives.
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sixtynineinchnails · 2 years
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I’ve seen a lot of disc horse happening on here about hyperfixations on Harry Potter and whether or not people should be forced to stop liking the series altogether. and once again people are taking the argument to the extremes and whipping each other into a rage.
I have ADHD. I have hyperfixations. Sometimes those fixations are on problematic or outright bigoted/awful media. I cannot control what my brain latches onto besides not being exposed to it in the first place, and some media (Harry Potter especially) is hard to avoid. I can’t just stop fixating. and yes, for a long time I did fixate on Harry Potter. it has taken a lot of time for that fixation to fade, and I’ve had to come to terms with a lot about the thing I once cared about so dearly.
that being said: you can have a hyperfixation without supporting the original text or creator.
want to watch the films/read the books? get them from a local library, buy them secondhand, or pirate them.
want to buy merch? buy from small businesses (not trademarked stuff) or buy secondhand.
want to wear Harry Potter merch? wear it around the house.
want to create fan content (fanart, fanfic, amvs, edits, etc)? do it. create it. maybe send it to a friend. do not post it.
want to talk about it? talk to a friend, family member, mutual, therapist, etc. don’t make posts about it.
I think sometimes we forget what it’s like to live in a world where we aren’t constantly sharing our interests with others online. but considering how many people have been hurt by jkr and her content, I think it’s fair in this case to say: fixate, let your brain cope with life however it has to, and if Harry Potter is what’s keep you going right now that’s alright. just don’t post about it. participating in online fandom is keeping her relevant, thus supporting her. she has made this clear herself. she’s aware of how fandom influences her platform.
and if you’re currently fixated on Harry Potter please remember to view it with a critical eye. I understand how hard it can be to see the flaws in something you’re so attached to. but in this case it’s not just the author. the media itself does contain a lot of problematic stuff (racism, slavery apologism, anti-semitism, fatphobia, appropriation of indigenous cultures, as well as a wealth of other things. if you’re wondering about any of this, feel free to comment or dm me any time and I can expand on these to the best of my knowledge).
that being said: if you’re currently on the side of the argument begging people to stop engaging with all Harry Potter media altogether: I get it too. I’m trans. I deeply despise what jkr has said and done, her wealth and influence, the movement she stands for, and the swath of wreckage she’s using her power to cause. I also agree that the text itself is deeply problematic and at best should be viewed with a highly critical eye and at worst should be taken out back and burned. if everyone could just stop engaging with Harry Potter media and fandom, that would be sure be nice.
unfortunately I don’t think that’s possible this time. Harry Potter still has a massive following around the globe who will never see the reasons to disconnect from it. telling neurodivergent kids online to simply stop hyperfixating is pointless and doing more harm than good. forcing people to feel incredibly guilty for their fixations isn’t exactly fair.
we all agree jkr is harmful and needs to have her platform removed. we all agree that the only power we have is by keeping the media relevant, or letting it go. it seems the level to which we need to disengage is the part where contentions arise, and extreme, black and white viewpoints and the terminally online nature of our lives and interests is warping our perspective.
if you truly don’t want to support jkr, you cannot keep posting Harry Potter content talking about how much you like it, regardless of whether or not you give her money or tag it “fuck jkr”. she’s already a billionaire. this is beyond giving her clout. this is about decreasing the relevance and platform of the author and her content, while creating a safer community for people who’ve been hurt by jkr and her content.
and if you truly want to get people to join your boycott, you have to understand that not everyone will be able to disengage the same way as you and the fact that they’re trying does count for something. the only way this will do anything at all is through unity.
TLDR: if you’re currently hyperfixated on Harry Potter that doesn’t make you a bad person, just please engage with the media in private and remember to view it critically. if you’re currently getting upset at people for their fixations, please consider helping to educate rather than lose your cool at internet strangers.
jkr apologists, terfs, Harry Potter defenders, etc: before you tell me to touch some grass and get over it, consider why you’re sitting there reading posts about things that you don’t agree with. you can just ignore this post and just keep scrolling. or better yet how about we both log off for a bit and go have a cup of tea instead
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niniane17 · 2 years
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I've just stumbled across yet another essay stating that "Harry Potter was never good".
I dislike Rowling intensively these days, but I find this kind of purity-driven "literary criticism" deeply dangerous.
My position on this has always been that it doesn't really matter whether Rowling's books are good or not or whether her fame and money is deserved; what matters is that she uses her wealth and fame to hurt trans people. Whatever grievance people might have with her writings (and trust me, I have many of them myself) is completely irrelevant to her political ideas.
If, indeed, her books were every bit as good as they are regarded, would that make her hatred towards trans people justified? Of course not. What is the point of harshly critiquing the books if you want to show that they were written by a bad person? A bad person can produce good art, and vice versa.
For example, Snyder's works are certainly not feminist masterpieces, yet the actresses he worked with have nothing but nice things to say about him. On the contrary, Joss Whedon's works strive to include many feminist themes, yet we all know how he treated the real women in his life. Is anybody out there trying to argue that Roman Polanski or Woody Allen are bad directors, and none of the movies they made were ever any good, and that we all collectively deluded ourselves into thinking they were? No, there isn't, because that would be stupid. But it doesn't erase what they did, nor it should.
(And no, my use of male examples is NOT accidental. We all know that women are subject to a deeper level of scrutiny than men)
Besides, I've noticed that a lot of this criticism heavily relies on subjective feelings about the text. A shining example of this is the attitude towards Snape: I lost a lot of faith in Twitter activists the day I saw BOTH pro-trans people and TERFS discussing how stanning Snape meant being a terrible person, even if for wildly different reasons.
That doesn't mean that none of Rowling's bad ideas are reflected in the text; art, as we all know, is not created in a vacuum. But it's not as obvious as somebody might think and, crucially, it's not the same for everyone. As I showed above, people of opposite sides of the political spectrum might agree that something is problematic, while two people on the same side might not.
This is what I mean when I say that shipping or fandom in general is not activism. Arguing that, say, Voldemort's death was inconsistent with the books' previously established rules is many things, but activism is not one of them. Neither is hating Snape, or whatever character you happen not to like.
And, not to brag or anything, but I did notice the books' deep British parochial approach all the way back in 2001, while reading The Goblet of Fire for the first time. While I was reading, I realized that there was no Italian School of Magic mentioned and I was sad for weeks about it. Where was a little girl like me supposed to go, then? By the time the Deathly Hallows came out, a few years later, I was downright laughing at the books' poorly thought-out International Wizarding community, and not in a good way.
(Like. What language do they even speak at Durmstrang? German? Bulgarian?)
Does that mean I was engaging in deep political activism? Nope. It just meant I thought the books had bad world building and the author was not willing to explore it more. It sucks and it's a pity, but she had other things going for her.
TL; DR: Stop conflating criticizing the books and criticizing her political ideas. These two things may overlap, sometimes, but often they don't, or not in a way we would expect.
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magicalgirlagency · 2 years
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Speaking of discrimination controversies, have you seen Playstation's State Of Play? Hogwarts Legacy has no right to look THAT amazing while being disgustingly antisemitic.
Sadly, yes I have.
For those who aren't aware, new gameplay footage of the upcoming Hogwarts Legacy game has been dropped recently, revealing a small piece of the game's plot with it...
...and hoo boy, it's alt-right propaganda, no subtlety whatsoever:
The game's plot is about the player investigating the rumors reguarding a goblin rebellion and getting themself involved in it.
Since I know absolutely nothing about Harry Potter and the Wizarding World in general (because I have some self-respect and dignity) I took a quick trip to the wiki, and from what I have gathered, is that the goblins are bankers and economic overseers in this universe, and despite being in control of wealth and material gains, they're still treated like garbage.
For those who are unaware of this, there is this harmful stereotype of jewish people being greedy cheapskates, with big and crooked noses to match. The goblins fit those descriptions to a T, and that's hurtful. And we all know that JK Rowling actively uses her wealth and popularity to harm minorities, and this is shown throughout how non-human magical creatures are treated (such as goblins and elves).
And worst of all, the gameplay looks actually really good!
I DO want to be a witch! I wanna study all about magic, brew potions, grow plants and herbs, ride broomsticks, tame beasts and everything...
...but all of this is being wasted on a Harry Potter ensemble, out of all fucking things! How can a Triple-A team of developers sink so low, to work for a Harry Potter game, in 2022?! Don't be part of the problem, have some decency!
I absolutely do not care if you love Harry Potter or any ensemble of it; you should have some decency and show actual concern for trans people and jewish people (or any other type of minority there is). The story can't be separated from the author this time, don't even try it.
There are other series for you to enjoy. Go look for 'em. Don't be a stubborn jerk.
And lastly, but not least important, I sincerely hope that JK Rowling rots in Hell when she game-ends. No one will miss her when she's gone, I swear it.
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letteredlettered · 4 years
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How do you feel about JKR's recent public stance on trans issues? Assuming you don't approve, has it made it more difficult to work on your fanfiction?
To be perfectly honest, I don’t pay attention to JKR. I say this not to diminish the impact she has. When someone powerful speaks out against basic human decency, plenty of people don’t ignore it. That speech influences people, and that influence can cause behaviors--not to mention policies and institutions--that hurt others.
It’s important to consider the things authors say outside of their work in these terms--ie, whether we amplify an author’s opinions by celebrating their works. If we had known JKR was anti-trans in 1997, would boycotting her book have meant that JKR wouldn’t become a celebrity, thereby preventing another anti-trans voice from being prominently heard? I’m not sure any book is so important that we should give an author who is a bigot power by buying it.
There’s an argument for Death of the Author that goes like this: if we rejected all the art created by bigots, we wouldn’t have Little House on the Prairie, 1984, Star Trek, The Beatles, or Buffy the Vampire Slayer. Part of me thinks--so? What’s wrong with rejecting these works in favor of plenty of other works written by people who lived lives of advocacy, seeking equal rights for all?
What I think sometimes gets missed when advocating Death of the Author is the deeper argument about the fundamental way humans relate to literature. We don’t passively consume literature--we digest it. The parts of literature that we absorb and that stay with us are the parts that we connect to; the rest is waste we forget. And, because we are humans, when those parts stay with us we begin to shape them. They inform who we are and we inform what they are. We own them.
This is, in fact, a basic human skill. When a person communicates something to another, the listener selects the information that is important to them, rather than memorizing the whole story. The listener then uses the information to benefit themselves and their community. At this point, I would argue that the original teller ceases to be important. You, the listener, have created the story that you wanted and needed to hear. And when the listener becomes the teller, the communication is iterated according to what that person thought was important, and so on. The story passes from teller to listener, teller to listener, iterating each time, each listener creating a new story.
When you think about it, two inventions really solidified the idea that stories have owners. The printing press meant the original voice of the teller could be preserved, and the copyright meant that that original voice was sacrosanct. But neither invention changes the fundamental fact that when human hear stories, we internalize what is meaningful to us. We make them our own.
So, there’s an argument to be made about things like capitalism and copyright, how JKR owning Harry Potter means that celebrating and consuming her works can cause her to accrue wealth and power, thereby elevating her voice.
But there’s also an argument to be made for your story. I mean you, the person who is reading this. What you felt about Harry Potter, what you took away from it--that belongs to you. Whether JKR affects that reading of the text just depends on how you feel. If you’re able to ignore her, I support your embrace of the text whole-heartedly. If you’re not able to ignore her, I support your rejection of the text whole-heartedly.
I’d like to note that fanfic holds a special place in this discussion, because fanfic is a textual expression of that human impulse to internalize, own, and iterate a story. Many people have written about how fanfic is a way for minorities and underprivileged groups to find a sense of ownership in mainstream art--mainstream art, which usually perpetuates the marginalization and bigotry these groups experience.
There are some who argue that fanfic in fact reinforces mainstream marginalization and bigotry, whether consciously or unconsciously, by 1) elevating the original bigoted content, 2) repeating the same patterns of patriarchy and racism in the way people write. I would never deny that marginalization and bigotry occurs in fanfic writers, fandom communities,  in fanfic itself. However, I would still maintain that fanfic as a medium is a way for individuals to freely express interpretations of mainstream texts, which are--by nature of going through a publishing, marketing, and capitalist consumer system--inherently less egalitarian.
Therefore, while I do feel it is important to consider the platform we give some like JKR, I also do believe in Death of the Author. More specifically, I do believe in fanfic as a medium that gives people their own voices for stories about them and for them, and that therefore writing fic can be a cathartic way to write about something you love, even when something you love was created by a bigot.
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anchanted-one · 4 years
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Harry Potter Talk
Settle in everyone, this is going to be a long one.
So a couple of days ago, I saw a massive anti-HP (the character) rant that really irritated me that I wanted to address.
Before I do, let's address the transphobic in the room. Rowling. Transphobia is detestable, and not wanting to support the series while that directly benefits and enriches her is a super valid stance. Also my personal stance, we support the trans people in this house!
Now that that's out of the way.
"Harry Potter, jock from a wealthy family" or something to that effect.
Regardless of how big his bank account is, remember how Harry was brought up? And by whom?
The Dursleys. The magic-hating child-abusers. Who forced Harry to sleep in a cupboard under the stairs for eleven years. Who gave him Dudley's things secondhand. His mother's sister was so unwilling to spend a dime on him that she was dyeing some of Dudley's old things gray to use as Harry's school uniform.
His cousin Dudley, who delighted in tormenting him, and whose gang joined him in beating up Harry whenever Dudley felt bored enough that he wanted to beat him up for fun.
Is this the upbringing of a "rich jock"? He never used much of his wealth in the Muggle world and even in his school years he seems to know the importance of restraint, and sharing (in book one, he's delighted to be able to share with Ron, and in book four he gives the Twins a thousand galleons without a second thought). Dudley was the one who got thirty-six presents on his birthday and threw a fit coz it was less than what he'd got the previous year. Harry got a used tissue for Christmas. He was the one so not expecting any gifts at all that his best friend's mother packed him a hand-knitted sweater for him, and made his day.
Jock? He played the loneliest position in the Quidditch team. The Chasers and Keepers work together as a team, and the Beaters too, but Seekers are ignored by everyone--including the team--until it becomes apparent that they've spotted something.
Harry was quite popular when he joined the school, but that popularity mostly manifested as people pointing at his scar and whispering about him. Most made him uncomfortable. He only ever had a few friends he was comfortable with.
There were long periods when he was in fact an outcast. That time he lost fifty points for the thing with the dragon, or the time when the Ministry and the Newspapers had turned the entire Wizarding world against him. The time his name came out of the Goblet of Fire, all Houses except Gryffindor treated him like shit, and even the Gryffindors, while they were cheering for him, weren't paying much mind when he was saying that he didn't do it, or that he needed support. That one time, even Ron didn't stay by his side. He was all alone but for Hermione.
The only time he fit the bill of the jock was in book six, when he was too obsessed with what Malfoy was doing to give a damn about his newfound popularity. That was also when he chose the company of outcasts like Neville and Luna over popular hangers-on.
Yes, there are legit reasons to hate the character; he has a massive hero complex. He routinely gets his friends into trouble because of it. He has a very narrow and myopic perspective because of which he doesn't notice much outside of his mystery-hunter track (there was a time when I could illustrate that point better, but it's been a decade and more since I read the last book. I wanted to better read up before talking about this, but I can't bring myself to binge-read like I used to)
By contrast, yes James Potter was a 'jock'. But that's reason to hate him, not his son. Harry, when he sees Snape's worst memory, is rightly horrified. When Remus tries to make the "we were just fifteen" excuse, Harry reminds him "I'm fifteen!". (It should also be noted that Snape's memories obviously show his nemesis at his worst, whereas Remus Lupin--the Werewolf--tells Harry repeatedly that James and Sirius were there for him when no one else was. James risked his life to fight Voldemort, whereas Snape was happily on Voldy's side until that one person he cared about was marked for death by the Prophecy©. Snape was also an abusive bully well until he died--just ask Neville. Dumbledore has also told Harry that memories are fickle things, which can be changed, so the chances that Snape simmered in this memory and unconsciously distilled it to make his old nemeses seem even worse--or himself seem like the angel who wouldn't hurt a fly--also exist. As someone who's experienced bullying, mockery, etc, I know this self-serving tendency of memory quite well. Though this bit is speculation on my part. )
Regarding the sillier names like Pansy Parkinson, and mean descriptions
In addition, when the series began, it started as a children's series, hence the Roald Dahl-like non-villain bad guys of the early part, and the "hate-me-I'm-nasty" names they were given. The Dursleys. Dudley Dursley aka Dudders. "Pansy Parkinson". Everyone was more caricature than character. That's how they are in children's books.
Many people are also described in a way to make the reader immediately dislike them. Malfoy is pale, with a pointy chin. Snape is an oily man with a large beaked nose and greasy hair. Rita Skeeter has a mannish jaw. Umbridge has a face like a toad. All of this is again in keeping with the Roald Dahl theme. Whether it's Augustus Gloop, Veruca Salt, Mike Teavee, Violet Beauregarde or their mannerisms and descriptions make readers feel an instant dislike for them.
When the series became more... Mature, those caricatures can start finding their critics. Never mind that such caricatures and worse can be found in thousands of other works, like Superhero comics for instance. Yes, no one names their children "Pansy" but Slytherin was an allegory for white supremacist type people. Back in those days, JK wanted them to be hated without reserve, much as she wanted bigotry and racism to be (irony, considering where she stands today).
Death of the Author
In the text there is no real transphobia that I can remember, other than that description of Rita having a "mannish jaw" (I admit that I haven't read it in ages, but I am still certain of this). Once the material is out in print, everyone is free to interpret it as they choose. Whenever JK comes out with clarifications or retcons or something--as she is known to do anyway--it's still more of her headcanon than in-world truth. If there is no outright mention of something in the text, then it doesn't matter what meaning the author intended to convey. What matters is what each reader makes of it. In the case of Harry Potter, the enemy are clearly folks obsessed with blood purity: Purebloods.
Lazy names
I'm going to speak specifically about the Indian names here: Parvati and Padma Patil.
While India is a large country and the name is more common in certain regions than others, I had heard that Patel/Patil surname is quite common in Britain. And really in Indian cinema the most common girls' names are Priya (Big Bang Theory as well) or Pooja, many girls in this side of the screen have goddess names. Like "Parvati". Many people also keep the same first letter for names for twins, or even in families (for instance, my parents, sister, and I, all have names starting with "A"), so "Padma" is a nice choice of name. And really, Padma and Parvati Patil are much better names than "Khan Noonien Singh" (now there's a lazy name).
Everyone insists that Star Trek's Khan is supposed to be of Indian origin, but with a name like that and an actor with a Mexican accent... I don't really think so. It was because of this silly character generation that I didn't particularly mind him being played by the very white Benedict Cumberbatch.
But the Patil twins. Them I can feel that connection to.
Races of the main cast
Now this might be something contentious, so I apologise for that in advance.
No one cares what Harry is, though since Petunia is noted as being pale, and Lily has red hair, the unknown factor is James Potter. Was he black? That would make Harry biracial at best.
Ron is written as a freckled boy with red hair, and all Weasleys share that look.
As for Hermione... She is the poster child of the blood-purity bigotry bias. When reading her, people are supposed to understand that the prejudice against her is certainly her Muggle-born origin; not her skin color, not her nationality, not her sexual orientation. Which is why I feel it's necessary that she stand out as less as possible in those other ways. For this reason I think that it was a good idea to portray her as white.
Here are characters who are specifically noted as black: Dean Thomas, Michael Corner (both of whom were Ginny's boyfriends), Kingsley Shacklebolt, Angelina Johnson, Alicia Spinnet, Lee Jordan, Blaise Zabini (who's noted as being very handsome, and quite popular). Aside from these we have a few token people of Indian and Chinese origin. Speaking again as an Indian, I don't really mind. This is a British story set in a mid-nineties British school only accepting students from the British Isles. It makes sense to me if there are few Indians.
What does all of this translate to? There are legit reasons to hate both the character and the series. So don't make stuff up, especially if you're ignoring the text to do it. Don't confuse the author and their work, even if you have resolved not to buy that work and thereby support her.
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Of Mer and Men | Elder Scrolls Verse
I finally caved and made an Elder Scrolls verse for my lads on here. You’ll find all their profiles beneath the cut (if there is one.) I took a bit of creative liberty with the vampires in this as well, I hope that’s all right. 
Bilmae ‘Bill’ Golden-Smith 
Name: Bilmae ‘Bill’ Golden-Smith  
Age: Appears 31, but is over 800 in reality  
Birthday: 7th of Evening Star
Gender: Cis Male (he/him/his pronouns) 
Powers and Abilities: Resistance to disease, resistance to poison, harder to detect while sneaking, and illusion spells are more powerful than average, resistance to frost. Shadow abilities; creating tentacles made out of shadows, usually to grab/restrain an opponent, or do things like snap limbs. He can also leap an abnormally long distance and summon an orb of shadow that explodes into spikes. Battle Cry (Nord Ability) and a higher resistance to frost because of his Nord Heritage as well as his vampirism. 
Weaknesses: Fire, sunlight.
Sexual Orientation: Pansexual.
Race: Nord/Vampire
Faction: None (at the moment)
Current Residence: No fixed place of residence, wanders Tamriel. 
Mother: Gweene Golden-Smith (Deceased)
Father: Bilmae Golden-Smith. (Deceased) 
Height: 6’3" 
Weight: 200lbs 
Body Type: Mesomorph/Muscular 
Hair: Red, as is his beard. 
Eyes: Grey.
Skin: White 
Languages: Tamrielic, some of the Dragon Language, and Ayleidoon.
Distinguishing features: He has major burn scars on the right side of his abdomen, chest, part of his right arm, and just above his butt. A hunter managed to set him on fire. Luckily, before it could kill him, he managed to put himself out. That Hunter paid with her life.
If he doesn’t drink blood for a long time, he starts to age and look more monstrous/corpse-like. Drinking blood reverses this effect.
He has three scars on his chest that are either from arrows or crossbow bolts. They’re all under his left pec muscle. 
He has a birthmark on the back of his left hand that’s shaped like a crescent. He often jokes that it’s because one of his ancestors was a werewolf. 
Hobbies and Interests: Dancing, astronomy (might as well enjoy the stars if you’re nocturnal), origami, drawing, mythology (he has met some figures of myth, or so he claims), and smithing. He’s also pretty good at playing the lyre, the ocarina, and the accordion.
Occupation: No set occupation.
Skills: Smithing, Sneak, One-Handed Weapons, Illusion Magic, Light Armour, and Alteration 
Personality: He’s friendly, he’s confident, and he can be rather eccentric at times. He’s far from shy and he enjoys the company of others. He lives to entertain, laugh, spread laughter and merriment, and give and get validation.
However, he can come across as conceited, arrogant, a show-off, a bit of a large ham at times, and/or a little bit too full-on for some people. That said, he honestly doesn’t mean harm (not anymore at least) and if you’re his friend, he will kill for you and do what he can to keep you happy.
He’s usually quite hard to anger. He can laugh off most insults or even attempts to hurt him physically. However, if you do make him mad, it’s your funeral, or at least your mind’s. He does try to keep himself in check however. He has no plans to go back to the sadistic bastard that he used to be.
Basic Backstory: Starting out his life in Skyrim, Lord Bilmae Golden-Smith IV was the only survivor of the eleven children his parents gave birth to. His father was a lord and his mother was a blacksmith’s daughter who was married into the family.
Bilmae lived a fairly easy and unremarkable life with his loving mother, not-so-loving father, and a few servants. His father made sure he worked hard however, not wanting to hand him everything on a silver plate. That said, he was fairly well off, and spent his childhood and adult years getting ready to take on his father’s estate. On finding out his bloodline’s wealth and notoriety was founded on thievery, murder, extortion, and other crimes, he was not so willing to do so, but he was unsure of how to find a way out of it. 
However, at the age of 31 years old, he contracted Sanguinare Vampiris. He was infected on purpose, by a vampire who had lost his family to Bilmae’s legacy. Bilmae managed to hide the condition from his family, and when his parents died, dismissed his servants, left the estate to his distant cousins, and faked his death before going to wander.
He continues to travel around now, learning new things and trying new stuff to keep himself busy. He still drinks blood to sustain himself but he doesn’t kill unless it was someone he felt ‘deserved it’. He also kept up with all the changes in the world. He even adapted his speech as needed, keeping up with slang and staying savvy with the times.
Antonio Lombardi
Name: Antonio Lombardi (formerly Enriquo Giordano, as far as you’re concerned) 
Age: 38
Birthday: 8th of Last Seed 
Gender: Trans Male (he/him/his pronouns) 
Powers and Abilities: .Dragonskin ability to absorb magic. Natural higher resistance to magic. 
Sexual Orientation: Homosexual 
Race: Breton
Faction: College of Winterhold (sort of)
Current Residence: Has a home in High Rock, but travels.
Mother: Gertrude Giordano
Father: Benito Giordano
Siblings: Emily Giordano(Older sister) and Sophia Giordano (Younger sister)
Height: 6’2" 
Weight: 170lbs 
Body Type: Ectomorph
Hair: Black, shoulder-length, and slightly curly 
Eyes: Green.
Skin: Light brown 
Languages: Tamrielic, and some of the dragon language.
Distinguishing features: A benign mole underneath his left eye, and a slash scar across his cheek.
Due to scoliosis, his chest and back are slightly tilted to the side. This isn’t easy to see unless his shirt is off. It does cause him pain and also makes it harder for him to walk longer distances. 
He uses a cane to get around. He actually owns three canes; one has a sword hidden inside of it, another is extendable, and the last is a normal cane. He weaponised them after a bandit attacked him, causing the scar on his face.
He has habits of nodding his head, rhythmically tapping his foot or hand against the floor or the table, blinking at the same time as whoever he is speaking to, and gesturing with his hands while he talks.
He also has synaesthesia, seeing certain colours and shapes whenever he hears certain noises ‘connected’ to them. He also experiences smells on rarer occasions. 
Hobbies and Interests: His magic skills. He has dabbled in sleight of hand, misdirection, and mentalism (including hypnosis, which he uses his magic for), and he is very good at those too. 
He has also dabbled in Escapology, and is able to get out of most rope bindings, straightjackets, and pick locks. He also likes to read, cook, practise his tricks, and tend to plants.
Occupation: An administrator in a library and a stage magician. Currently working in Winterhold. 
Skills: Illusion magic, Speech, One-handed, Lock-picking, Sneak, Destruction Magic, and Conjuration. 
Personality: While he’s on stage, Antonio speaks with confidence, authority, and even some glee. 
Off-stage, he’s quiet, jaded, and very cynical. He prefers to just be left alone for the most part. He doesn’t have much faith in humanity. He also pretends to be a massive sceptic.
That said, he isn’t a complete asshole. He secretly has a lot of compassion and empathy for other people. He performs at orphanages and hospitals for free and donates a portion of his earnings to charity. 
If you can break past the guarded shell, you have someone a bit on the nicer side.
Basic Backstory: Antonio was born in Summerset to Benito and Gertrude.
He often found himself entertaining or at least occupying his own mind with various tasks. He also grew up in a strictly religious household, which he found himself hating as he grew older and it eventually put him off any kind of faith or servitude to the gods. He found himself interested in magic tricks and illusions after one of his neighbours showed him a few.
He started to teach himself when he was in teens and became very good at it, especially as he grew older. He also dabbled more in his Breton magicka, figuring out what else he could do with it. He also realised he was gay, much to his dismay. Even now, he keeps that firmly under wraps.
Eventually, at the age of 17, he had a falling out with his parents over his lack of religious belief. He went on a tirade on how their beliefs (or the fact that they hid behind them) were, in his words ‘a big steaming pile of shit’.
After being told his synaesthesia was a sign that he was being influenced by the daedra and he punched his father for it, he was essentially kicked out. Uncaring about that, he changed his name and went to High Rock to make a name for himself, remembering his mother’s stories of when she lived there. 
He started very small at first. He was able to find a place to stay. He worked as much as he could and performed his magic on the side. He was eventually invited to taverns and inns to perform and that got him attention and more money. He also witnessed a vampire feeding on a person, and this terrified him, but he remained determined to continue going and not let it get to him too much.
When he turned twenty, symptoms of his scoliosis started to become prominent, coming with pain and finding it harder to walk or run for longer distances. Luckily, this didn’t affect his magic shows too badly.
At the age of thirty, he started to wander to other places and live long term and do work. Where he officially became known as Lord Enigma when performing. He’s currently in Winterhold, helping in the Arcanium. 
Leofric Lawford
Name: Leofric Lawford 
Age: 35
Birthday: 10th of Rain’s Fall 
Gender: Cis Male (he/him/his pronouns) 
Powers and Abilities: Immune to Vampirism and most other diseases, Beast Form. Voice of the Emperor, and Imperial Luck. 
Sexual Orientation: Bisexual.
Race: Imperial/Werewolf 
Faction: Companions, also does bounty work and has affiliations with Dawnguard. 
Current Residence: Whiterun. 
Mother: Unknown. 
Father: Unknown.
Height: 6’5" 
Weight: 240lbs 
Body Type: Mesomorph/Muscular 
Hair: Light brown and slightly wavy
Eyes: Dark brown .
Skin: White 
Languages: Tamrielic, and Ayleidoon.
Distinguishing features: He has many many scars from his days of battling. He has a slight beard. It’s not as full as Bill’s, but it’s definitely fuller than basic stubble. 
He doesn’t smile very often. If you see him do it, take a picture; you’ll never see it again in your life otherwise.
He has dyslexia. It hasn’t been identified yet, so he’s been suffering in silence about it. He also has some slight shortsightedness, but makes up for that with his other skills.
Hobbies and Interests: Reading, raising butterflies, plants and botany (he also researches how to better weaponise them (such as by using sachets of herbs to cloak himself, or make oils and decoctions for better damage output) or heal with them, history, boxing, and surprisingly, painting. 
Occupation: Companion
Skills: Alchemy, creating potions and poisons alike, heavy armour, two-handed and one-handed weaponry, which he’s trained himself in since a very young age,blocking, and hand-to-hand combat. 
Personality: He is rather stoic, and guarded, but still kind, brave and benevolent.
Although a werewolf and harsh on criminals and other monsters, he has a soft spot for humans, pacifistic supernatural creatures of other species, and animals, rescuing them and treating them with a distant sort of kindness. He is also incredibly loyal to those he makes friends with. 
He also prefers to be fair in a fight, giving his opponents a fair chance to defend themselves and fight back. That said, he believes underhanded tactics can be a tool to use only when necessary. 
Basic Backstory: Leofric was born in Cyrodiil, and left at an orphanage soon after as a baby. He was looked after by his guardians and taught the skills he needed. It was believed he would simply become a member of the imperial watch when he was older.
However, he became fascinated by stories of the companions and what they did. He left the orphanage at the age of sixteen years old and honed his skills, eventually making his way to Skyrim.
He had already shown a lot of the qualities of the companions during his travels, and he had actually been noticed by some of the travelling ones. He was accepted after some trials and has been with them since. 
He eventually became a werewolf when with them as well, and has not regretted this choice. He sees this as a blessing and a privilege. 
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Heya! If you're still doing trollswap stuff, how do you think John Peixes (there's a Jade and Dave Peixes and I wanna see this boy as tyrian), Rose Ampora (Idk I like Rose as seadweller purple but! that's just me), Jade Leijon (Dog girl...turned cat girl? :0, also Jade as a Witch of Heart is an interesting concept to me!), and Dave Maryam (Idk, Dave as a jadeblood would be cool, especially given that I think the jade caste is female majority?)
John Peixes, raised with as much wealth and power as a troll can have, with a lusus that makes demands but also loves him. Tbeh the idea of John using his power to hurt others is laughable, but I absolutely think that he’s the kind of person who would take advantage of his station to make sure that he’s first in line to see whatever cool new movie/game/interest of his that’s coming out. Is he going to burn down your neighborhood for the sake of a selfie background? No. Is he gonna post hella untagged spoilers for that movie you were looking forward to? You bet your ass. He’s well-intentioned over all, he likes all the warmer castes and has opinions ranging from “I mean what they’re up to is kind of not my business” to “they’re all so funny” depending on the mood of the night, a little condescending but never out of any malice. Nobody’s sure what to make of him because on one hand, it sorta sounds like he could have ideas for radical social reform in that he’s NOT mean to warm bloods and that’s usually how treason presents itself, but on the other hand he’s like… really endearing and his jokes are genuinely funny so most people actually really, really like him and are pretty pleased to be able to say “yes this one is our heir. He’s a little dumb but by god he’s doing his best.” There’s a sort of mutual back and forth of him looking at all of his subjects and going “aw cute” and them looking at him and going “fuck he’s adorable.” It’s possible that John, after maybe getting prompted from Rose or smth, uses his charm and social media presence (he’s got a sizable following, but no one is obligated to subscribe to his various channels) to start up a system where if someone in an area next to you dies, you can inform the heir and his orphaner and those lususes are donated to the cause of “Keep my horrorterror lusus from killing everyone by screaming.” He really doesn’t like killing things, it leaves a bad taste in his mouth and he gets. Weird. When he has to deal with death. So he’s really, really grateful he has a moirail like Rose to help take care of him! As Heir of Life, he’s got a pretty ridiculously high sense of empathy, especially considering the society he was raised in, and sometimes it can get so overwhelming he just shuts down. He’s compassionate, and interested in fixing things, but he isn’t sure how to DO that, aside from just, well, being himself. Taking things as they come to him. The universe is vast and cold and uncaring and he’s only one person in the midst of it all, and he knows that even though he was hatched into a position of pretty high political power, he’s still only ONE troll, and all trolls are killable. So he finds his balance by doing what he can, with what he has, where he is at. His quest is to embody the idea of giving his all, and he is truly awakened when he comes to the conclusion that what he has to give is enough. He is kind enough, tries hard enough, he is good enough just as himself, always bettering the situation around him to the best of his abilities and letting the rest of the universe sort itself out.
Rose Ampora, the most powerful and wealthy troll in Alternia except for one, who she is conveniently pale with. I think she’d be pretty similar to Rose Peixes in that she is driven and ruthless. She is second to no one, she’s top of the hemospectrum, a princess, royalty, she’s smarter, stronger, faster, better and she likes it that way. Her lusus is pretty lax, all things considered, content to go along with whatever she asks Seahorsemom to do, and it’s sort of frustrating that her lusus doesn’t share the same drive as she does, but convenient too, because that means whatever she wants, Seahorsemom will agree to, or at the very least acquiesce. If Rose starts misbehaving, Seahorsemom isn’t likely to enact any discipline, so Rose sort of has the run of the hive. Rose can be pretty mean when she wants to be, convinced of her own authority and superiority and raised on a violent, unfair planet in the deep waters of a violent, freaky ocean. Razor sharp and whip-fast reflexes are necessary to survive the deep sea, and transfer over into her everynight life and conversation styles. John is her best friend, and is the calm to her storm. He’s the one who tells her when she’s being too mean, or when someone wasn’t really trying to pick a fight with her, the one who laughs at other people’s jokes and clues her in that she shouldn’t be tensing up and reaching for her needles, the one who soothes her down and blurs the sharp edges on her, and she’s really, really grateful she has a moirail like John to help take care of her! As Seer of Hope, her goal is to stop focusing so much on the bad, on the violent way things were, she needs to stop thinking that all and any words thrown her way are threats or veiled mockery, and instead try to look towards the good, the prospects of the new world, the way things can become better without having to fight fang and claw for it. She’s always wanted better, you know. Always wanted to be better, herself, better, for her moirail, better, always trying, always clawing desperately for better, but she’s so focused on the negatives that that became impossible for her. As Seer of Hope, she must learn to change her perspective. Also, somewhat unrelated note, but violet Rose would be the best dresser Alternia has ever seen. Just sayin. She’s a disaster at all times always but that sure as hell doesn’t mean she needs to look like one.
Jade Leijon! Raised in a cave in the middle of the woods by an oversized, two-mouthed housecat who loves her! Pounce always seemed pretty spunky, from how Nepeta described her, so Jade still has a high-energy lusus that she can go out gallivanting about with! Jade, I can’t really see being a huntress, which may frustrate Pounce bc go!!!! Hunt!!!! It’s for food!!!!! We are cats!!!! But Jade is very likely content to just eat normal troll food and keeps her rifle on her for protection reasons. Of course, if anything in the forest decides that Jade is prey, it’s gonna lose that fight, and she’ll eat that, but she doesn’t like, go out of her way to hunt things. Having an affectionate cat for a lusus probably means Jade has a good understanding of “tell me to stop touching you and I will” but ALSO is the type of person to get aaaaaaaaaaaaall up in your personal space just like, casually, because she loves you and why wouldn’t she be here!!!! What do you mean you’re busy on the computer no you’re not, it’s time to cuddle with Jade now! Very likely still has her vast variety of interests, but her attention is more apt to flit between them, getting bored with something means immediately dropping it and going to something else. So he’s very smart and very impassioned about her interests, she just has a very non-linear way of going about it! Still super duper friendly and the local sweetheart of everyone, good at finding the way people like to communicate and successfully mimicking the other person’s communication style. This leads to her not being entirely sure of what her own personality is, because she’s a pretty big people pleaser and she feels like she puts on a different “mask” every time she talks to a different person, but really all that means is she’s very in tune to the emotions and personalities of the people she’s engaged with and very skilled at context-based decisions! As Witch of Heart, this is only emphasized, as she is the kind of person who is able to change emotions and the way her soul operates to best fit the needs she is presented with! Her nuanced capabilities are what let her really flourish as Witch of Heart, though sometimes the things that seem obvious to her make her come off as, paradoxically, emotionally distant. OBVIOUSLY her friends feel x way about y things, why are they making everything so complicated??? It’s simple, couldn’t be plainer, her friends are so silly and they can be sorta dumb sometimes, wow! But in reality Jade is the one who has that emotional clarity, and her friends aren’t being dumb, they’re just dealing with feelings and thoughts that are really complicated to them, despite seeming simple to Jade. She’s got a little bit of trouble with understanding that her experiences are not universal- there are some disconnects she’s gotta work through- but she’s deeply caring and very smart so it all works out for the best in the end.
Dave Maryam! So you said that the jadebloods were a female-majority caste and what immediately came to mind was “Dave is trans confirmed” so Dave is trans, confirmed. He lives alone in the desert, with a mothergrub for a lusus and we know the mothergrub really loved Kanaya and was very close to her so Dave has a good lusus, always blessed as a concept 10/10. I imagine he’d actually be really sick of the cold, since deserts get fucking chilly at night, and so he’s more of a daytime person, despite not really knowing why. Obviously he’s not a rainbow drinker, John, that’s absurd. Like how Dave in canon is all “lmao obviously I’m not gay” until he takes the time to figure out that yeah, yeah he is, despite overwhelming signs, that’s Dave with his own rainbowdrinking nature in this. Jade thinks he’s dumb and doesn’t understand what the issue is here. Dave thinks maybe SHES the dumb one, how about that! They’re dumb children and I love them. Isolation is exceedingly not-fun, and Dave can’t really get into photography cause there’s not a lot to photograph out here in the middle of nowhere. Not a lot of shit to die for him to put in jars, either. The ruins he lives close to are very interesting, though, so he ends up something of an archaeologist, digging up those ruins, trying to decipher them, funneling endless hours into those weird rocks and carved frogs and cryptic symbols because it’s one of the only things for him to DO out there in the middle of nowhere. He creates a VAST wealth of comics, also because art is one of the only things he’s able to do out there in the middle of nowhere, and the responses he gets from people who read (but generally don’t fully understand) his comics might be empty and artificial but so is the flimsy validation he gets from seeing his follower count rise and the notes go up. As Knight of Space he is similar to Dave Harley, in that he upholds the balance of the universe and needs to breed the new one, which STILL just means he’s the weird frog dad now. It’s interesting for him bc he always knew he was gonna be working with weird babies of one sort or another, and he was pretty comfortable with the role of fatherhood being something he would eventually assume, but instead of bug people he’s just got. Like. A bunch of weird frogs. Jade come check this out these things are NASTY lol. He enjoys them, but doesn’t form as close of an emotional attachment to them, because he’s been conditioned by Alternia and the structure of how his species reproduces to know that while they’re temporarily in his care, he must eventually set them off to go do their own things (like, say, becoming the universe, for example). His role as a father of these weird paradox frogs is the method by which he protects the universe and it’s existence, which is something that makes him feel incredibly important and gives him a sense of wholeness, which he deserves. 
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thedeadflag · 7 years
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1 When thinking of the word daddy I've always thought of a women? if i ever thought of a man as a daddy ive never sexualized it or ?? but i can now see the daddy kink and its effect. Ive read the g!p fic analysis and i didnt know a lot about the stuff ive read. The clexa fandom is the first fandom ive been in and its where ive first seen anything about g!p or about a/b/o? or even the word dubcon. Dont know if im naive or just didnt think about looking more into it and what it all really means.
(2/5) and not going to lie here i have read a few g!p and the a/b/o stories and ive read another post where you also have a lot of questions how in these fics writers "g!p fics get our bodies wrong" (not sure what how to title the post) and reading through it theyre many questions that are sometimes to never mentioned in them and it just sounds more or a interesting read if stories did mentioned those things and were written well and right about trans/intersex women?
(3/5) i dont know where i went with all this but it was a well interesting read that i dont not understand all of it just yet but will continue to reread and look more into it :)
(4/5) lastly i didnt mean to disrecpect you if i did it was unintentionally. sorry. i saw a post where somewhere around the lines you said it hurts to write clexa because of how horribly written lexa is as a trans/intersex women or in g!p fics and all and fetished and pain. i was deeply hurt by it all when she died and knowing this side in fics it adds to the hurt and how some people dont talk about it more or writers not listening due to wanting popularity
(5/5) wanted to add that even in ouat there was the same issues? in fics so it looks like and now in clexa fics involving all this. even though its been more then an year since lexas death lots of people were hurt in many different ways so many things happened after some for the better and some things thats are still arent talked about and not only effects this fandom but others. sorry just have many thoughts on it that slowly ill become more aware of. dont need to answer this just needed to say more
Like, I know the whole “She calls me daddy too” meme floats around wlw fandom and all, but that sort of thing literally did start in hetero fandom. I’ll definitely take your word that that’s what you think when you see/read/hear it, but 99+% of the time, that’s not going to be the case, and it’s not going to chance that ‘daddy’ is an explicitly primarily male-coded word. it will always be associated with maleness before anything. When cis women have it applied to them, that primary meaning gets to fall away temporarily because their womanhood, their validity, cannot be questioned. By design of cissexism, it cannot be questioned without undermining the sex and gender binaries and the power cis people wield. 
So cis women get access to the term temporarily, in a non-serious non-threatening manner. But it’s still one of the most male-coded words, it’s infused with maleness, and attributing to a trans woman is the exact same as calling her a man, a male person, because we don’t have cis privilege.
As for if you’re naive, honestly, there’s always a variety of reasons why folks don’t know this stuff, why they don’t pick up on this stuff. Whether it’s age, or lack of prior education, lack of exposure to trans women, naivete, etc., most people are unaware. So don’t feel guilty on that front. Everyone has to learn sometime...when the opportunity rolls around doesn’t matter so much as what folks do with the opportunity. A lot of people choose not to think too hard about it, not to concern themselves. It’s a good thing to learn, and it’s good that you’re thinking about it now.
Yeah, the big jot-note list of questions points out the flaws in the g!p/abo stories. Like, it’d be nice if authors actually did write more representative stuff...it wouldn’t actually be difficult, and it’d make for better, more engaging stories, and it’d help fandom be less exclusionary and hostile for us. There’s such a wealth of possibilities when writing trans woman characters, or intersex women, but all so many writers and readers care about are these fetishistic fantasies that get them off. There’s a considerable lack of care and concern about us as real, complex human beings. 
And there’s no disrespect. I can see Clexa stuff on tumblr, see fanart of Clarke and Lexa, it doesn’t usually bother me unless it’s fetishistic stuff (but i’ve blocked the artists of those so they don’t show up on my dash). Sometimes if I think only about Lexa, yeah, things can get soured, but so long as it’s canon material or art that looks canon-aligned, I’m generally good. Sad, given what JRoth and the show’s writers did, but I can handle sadness a lot better than dysphoria.
My issue is that I need to essentially get into the heads of my characters when i write, and whenever I try to get into Lexa’s, I can’t help but think about all the stories and depictions of her that are transmisogynistic and hurtful and fetishistic. I can’t block those memories and thoughts out when I’m trying to mentally collect everything I know about her as a character to decide how she’d behave or react in character in my stories, what she’d say, what she’d do, etc. There’s such a drastic split in who’s been used as a vehicle for trans fetishization that it’s essentially left barely any harmful material on Clarke’s end, which is why it’s so easy for me to write Clanya. So I can’t write Lexa as a character, because the process disgusts and upsets me, and I can’t watch the show because it makes me sad, and I can’t engage in fandoma and other people’s fanworks all that much because so many people are unsafe. So her character’s just altogether been tainted for me.
And it sucks, because like you said, so many people rushed to fandom as a balm to their pain from the loss of Lexa and the betrayal from the show. And it just hurt that so many could do that, knowing how it felt to be hurt and betrayed by writers that created cheap harmful content instead of good representative content, only to turn around and create mountains of cheap harmful content that sent trans women out of the fandom in droves, without much of anywhere to go, no big social network to bond together with and help each other with the pain and loss. All those people who would loudly yell “Support your sisters, not just your Cis-ters”, and then push us out of fandom without a care in the world to the hurt they caused us.
Yeah, these tropes have been around a while. A/B/O is relatively newish, having cropped up in the past decade, but it’s just a big mash-up of common tropes like g!p, mpreg, werewolf, bestiality, dubcon, sex pollen, BDSM, etc. So they’ve definitely been in and around OUAT across its tenure, I did a minor survey on that fandom’s use of g!p and its own magical variant, magic!cock. it’s been in Glee. In X-Files. In Xena. Lower volume, but there are g!p works out there in just about everything. Easy to ignore if they’re rare, outliers. 
In recent years, though, with greater exposure to trans women in media, there’s been a boom in mainstream trans-women porn. And, mirroring that growth in that male-driven market, there’s been a big boom in g!p fiction. It used to be small and largely avoidable, and now it’s everywhere and growing in popularity still. The 100 is just a fandom where it’s been the most saturated in femslash. There were more g!p works in Glee’s fandom, but Glee’s femslash fanfiction count dwarfs Clexa and other femslash fanfiction in The 100 fandom.
But the big boom of popularity in The 100 wasn’t just self-contained. All the ones who took to the trope, those who felt compelled to write about it, they’re carrying that desire to the new fandoms they’re in. WLW fandom does migrate, it’s a big running joke, so when we migrate, these patterns continue.
And while, yeah, a lot’s happened, and not a lot of people like to talk about what’s wrong in fandom, most folks try to avoid conflict. But stuff like this is important. It needs to be talked about, because people need to be aware, they need to learn, they need to see what’s happened/happening because of trans fetishization. Most don’t want to, but they need to know. They need to think about this and understand.
Anywho, it’s cool. I’m half asleep and rambling, and just happy to know that of the 14 messages that found there way into my inbox last night, a few of them were positive and good stuff. I like when people learn, when they want to learn. it’s a good, healthy thing. I’m glad I managed to help you understand the situation better. Feel free to hit me up again if you have any questions in the future :) I hope you have a good day!
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misterbitches · 3 years
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Im not intelligent at all. In the conventional sense. The ramblings of a girl who just has sooo much going in in her head it's constant. But im not a genius. Or that confusing.
It just sounds like I am bc fandoms have this issue where they can JUSTSO point out the issues in soletiing. They can pick and prod and go oh problematic! But then you go to name the problems and the difficulties within society like for ex: the idea of representation in general. Salivating over it. How fucking sad that is. How we are trained to accept it. So in a BL and also RACE in the bl genre they exploit viewers naivete both domestically and internationally. Ive seen tons of people liken being asian to being a person of color. However, in their predominantly homogenous society (or intentionally publically homogenous society), they are not "poc" (also name the of color; i dont use bipoc idc if u do but it's called being asian guys cos yall aint talkin about black ppl lmao)
They as humans seeing other humans who look like them everywhere, engage with the world differently than an american in asia or asians living outside of their home country (like bae doo nanwhen she worksnin the US is not the same as the bae doo nanworking on a korean program) I dont complain about it in everything i see bc ppl say it ALL THE TIME. but it is NOT the same. Being a person of color is very distinctly an american concept. This is all stuff people will get to know on their own if they choose to dig more.
I do my best to underline what my ugly little eyes process. How i figure things out as a black female american artist too! Im hard on shit cos i should be. I take it seriously. And even if i dont take it seriously bc THEY dont then thats their problem.
I know this is a complaint that I am not alone in. I know it's the internet. I just don't get how people can write really heavy analysis but they refuse to actually probe the underlying issues. Not everyone is me, or like my friends, but if there's way fewer people talking about this stuff it seems absolutely glaring when theres few people engaging in the way i do. It seems like im the glitch but I am thinking just as much just differently.
I really loved where your eyes linger but there was little deep class analysis. I remember few convos a bout it. I know a lot about korea (sigh being a black ex kpop fan lol mess) and i love the history but all ofnit matters! Korea's relation to labor!
People bringing up thai actors snd actresses leaving the industry and doing acting as something quick. As an artist~ who went to film school with insanely wealthy ppl and isnin tons of debt you have to understand how shitty that is. People have monetary access and they just fucking do whatever just because they want to. Meanwhile you have young people being coerced into this bullshit mainstream life to LITERALY just make money bc they dont come from a rich background. The wealth gap in thailand is BAD, theres a dictatorship, they had a fucking coup. The governments like here do not respect their people. Their marginalized groups. Trans thai women, black thai ppl, poor thai ppl. And it LITERALLY CANNOT DO ANYTHING EFFECTIVELY IN CAPITALISM. No nothing can be perfect but if it's going into our eyeballs and we can view the worlld critically then why the fuck not!???
I dont say the things i see are wrong always. I reply when i think i need to. I try and engage with others but not to kuch avail. I just want to rb stuff and tdhink lajfhhdjwhjej.
But like yea theres a lot of just wrong or misguided stuff. A lot of the times it is just historical inaccuracy in framing or idk. A refusal to think outside the box. I dont care. Theres more to life than just sort of looking and not thinking especially for othrr artists.
Idk im sorry. I dont see how i can change how i view things. I really wish people would expand their palettes too and go deeper into other means of art from places! Things not in the mainstream! Theres a lot of good thai artists and a lot of them critical as fuck about their country as they should be. Authority, austerity, patriarchy, capital, racism etc like that is central to a power thats interested in growing gains and fiscal and social power. Theres rly radical or left leaning etc ppl out there in the world and these countries in these communities. So they exist. No people in these countries dont have NO clue whats going on. Cultural relativism is alsos something people should understand. I had a good talk with ppl on here a while ago about that. Talking about shit, critiquing, but being respectful to a group. Part of thay is realizing these groups CLEARLY know their own issues and all our cultures share the same goal. Guess what it is. It rhymes with acquiring wealth. Money means you hurt people. In the post, we talked about use of "wife" and "husband" which is a stupid joke that has been "explained" a billion times and yet the explanations still dont seem to answer or justify a minor problem (it's very funny to me that a language that doesnt have gendered pronouns is now very specific about two men. Hmmm wonder why. It is annoying.)
So im not the only person on the planet doing this. Or the few ppl ive seen that do. Im not new my thoughts arent new. Ive gotten to see another side to a culture i knew not much about and that means i can put the context of my beliefs and life and try and understand thheirs. For ex i learned from ITSAY because of a sign that said 'french food' that they were the only country to not be colonized back then. Do you know how integral that history is to their region? That was an interesting detail (i didnt finish itsay bc ihad a lot going on and i was rly upset that i would see hownrich they are and i hate that.)
Anyways thats my complaint. It used to feel like a sting of rejection. I left online for months in 2019, i started organizing more, joined a union, trying to do some panther work shit like that. I learned a lot in those months and it changed my life! But when I came back, I felt so isolated. It wasnt my true friends tho sometimes theyre ANNOYINGGGGG (love u) but it was me being like "if we are going to complain guys then lets put our money where our mouth is" lets be fucking serious about it then. No say it with your chest dude. It isnt difficult. Go with the fucking flow, talk about it, critique it, think. You can still fucking like itnor love it.
I am BLACK ok and i love rap. I am a black woman. I will continue to clown black men that cant seem to not clown themselves and listen. No i wont support monetarily: drake is a creep and i hate him but i bump that niggas song. Thats fucking LIFE. I got so sick of hiding myself and it became clear that it wasnt that i wasntthinking well or hard enough. They just didnt like that i said we need to commit class suicide and inspect out middle class sensibilities and middle class wealth hoarding (google it) if thats what we engaged with. Every part of you, antagonize it. I still have my privileges; class, skin color, even my father being a nigerian immigrant, me being cis, im not str8 but not a lesbian and those are differences.
Insecurities in general but some shallow thoughts (?) on discussion in "fandom" space. FYI, this will most likely stay the same. I tend to stay in my own bubble socially IE me and my friends are similar in our views. During this awful year while running my union's account, im surrounded by like minds. Me and my friends? We changed together. We grew up and saw what we didnt like and what we want. We do our best.And i CHOOSE my life to be that way bc it should be. There is no solution. I dont believe in solutions because the solution is to abolish capital or just divest. Abolishing capital and labor are a huge one and i will die before that happens (but so help me as long as im alive? Black women to FREEDOMMMM is my motto!) so making your own path in life is the best thing an artist can do IN MY OPINION.
However with technology and stuff this puts another layer onto things. Tech, social media, this shit....it THRIIIIIIIVESSSSSSS off of conflict and shallow readings of the world. We are literally primed for it. Engagement in bites. Impossible for me with my brain; i got used to it and i paid for it by limiting my scope. Not being encouraged to THINK AND READ before just speaking
(For ex i am in iww, i helped form a branch here. It is a radical union. Unionism is imprative to me-if ur interested u should read up on some. Look up peter cole! Google inthesetimes Ilwu. Gives you some understanding. Ive always been progressive and now i am....very left idk ic ant label myself. But even in my progrssiveness i had the gall to tell my white friend, whoa has her privileges but i had mine with our class disparity, that we dont need unions, i have WORKED retail. Ive done barista work for sonoing and i do gig work. So i wasnt out of touch. I had been stiffed even with a shoot i was working on by rich kids. So i had a frame of reference . But i didnt know what the FUCKa union was and why it is imperative. Then learning about anarcho syndicalism and all these other things. It changed my fucking life but two years earlier i was this idiot spouting shit like that making one of my best friends fucking upset. We DO AND CAN CHANGE. Think!!!!)
So were i a creator for tv id just constantly try and push the buttons if i need big money. Make them sell into me (thank you sonic youth!) theres Endless possibilities guys which means theres SO MUCH TK EXPLORE!!!! When i wanna have fun with it i just have fun. When i want to think i do. I dont understand why we are so dedicated to upholding things and doing mental gymnastics to end up in a space you dont need mental gymnastics for. What about these critiques makes you uncomfortable? Saying we're all part of the problem as spectators? Im sorry but we will always be. Thats LIFE. God fuck. Fuck me. I feel so fucking worthless and stupid sometimes. I know I am not. I know i am talented and intelligent. I know my friends and family. I know how to approach ppl. I know how to tell people if they are rich but want to be progressive whatsup. I choose how i live part of that is being ok to say what i want.
Ironically consrrvatives say this shit alot. But they arent ever alone bc their ideology is default. But yea it does feel shitty. It even feels shitty when ur in left circles but people STILL dont even wanna do that. These perspectives really arent ss many as they should be. I dont want to feel so alone with it. I know there are more. I just love art and the world so fucking much, endless possibility. Endless pain but endless good.
0 notes
aaltjebarisca · 5 years
Text
What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)
If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.
Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.
Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?
Why Are So Many Struggling to Save?
It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.
There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.
“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.
Figure Out Where Your Money Is Going
Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.
“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.
How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.
When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.
Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.
Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.
To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.
“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.
Work on Your Situation
At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.
Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.
Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.
“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.
Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.
If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.
Get a Side Gig
“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”
If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.
With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.
“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.
Ask and You Might Receive
Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.
Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.
Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.
“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.
When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.
“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.
Be Ruthless About Cutting Costs
Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.
If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.
“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.
Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.
Pay Yourself First
“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.
By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.
Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.
“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.
The Bottom Line
Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.
However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.
Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.
The post What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle) appeared first on ZING Blog by Quicken Loans.
from Updates About Loans https://www.quickenloans.com/blog/break-out-of-the-paycheck-to-paycheck-cycle
0 notes
aaronsniderus · 5 years
Text
What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)
If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.
Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.
Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?
Why Are So Many Struggling to Save?
It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.
There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.
“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.
Figure Out Where Your Money Is Going
Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.
“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.
How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.
When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.
Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.
Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.
To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.
“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.
Work on Your Situation
At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.
Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.
Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.
“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.
Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.
If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.
Get a Side Gig
“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”
If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.
With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.
“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.
Ask and You Might Receive
Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.
Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.
Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.
“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.
When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.
“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.
Be Ruthless About Cutting Costs
Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.
If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.
“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.
Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.
Pay Yourself First
“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.
By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.
Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.
“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.
The Bottom Line
Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.
However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.
Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.
The post What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle) appeared first on ZING Blog by Quicken Loans.
from Updates About Loans https://www.quickenloans.com/blog/break-out-of-the-paycheck-to-paycheck-cycle
0 notes
mikebrackett · 5 years
Text
What to Do When You’re Living Paycheck to Paycheck (and How to Break the Cycle)
If your car were to break down tomorrow and need a couple hundred dollars’ worth of repairs (plus towing costs), would you be able to afford it? Do you have to carefully track when your bills come to ensure that they don’t overdraw your checking account when they do? Do you anxiously await your next paycheck so that you’ll be able to eat something other than ramen? If so, you might be stuck in the paycheck-to-paycheck cycle.
Evidence seems to suggest that the majority of Americans are similarly struggling. One 2017 study from Career Builder says that 78% of U.S. workers live paycheck to paycheck. When you live in this cycle, all of your money goes toward your basic costs of living, leaving you little to none leftover to put into savings and causing you to worry about whether you’ll make it to your next payday.
Not only is this an incredibly stressful way to live, but it puts you at risk for serious financial troubles if you end up needing money for something outside of your everyday budget. What can you do when you barely have enough to cover rent, let alone contribute to your 401(k)? And how do you break out of this cycle?
Why Are So Many Struggling to Save?
It’s not just people who are irresponsible with money who have trouble. While very few of us are perfect spenders, there are many factors that can lead a person to live paycheck to paycheck. Consider those living in high-cost areas who spend half their income on housing expenses and have to allocate the rest toward paying for groceries and other bills. Or, consider workers in low-wage jobs with few prospects for advancement.
There are many reasons why people struggle to break out of this cycle. Some people are simply bad at managing their money or never learned good financial habits, while others have limited means or too many financial burdens for their money to keep up.
“Some are simply ill-equipped to manage their own money, while others are affected by stagnant wages and fewer benefits,” explains David Bakke, writer for personal finance blog MoneyCrashers.com.
Figure Out Where Your Money Is Going
Todd Kunsman, founder of the personal finance and investing website InvestedWallet.com, knows firsthand what it’s like to live paycheck to paycheck. Luckily, he was able to get out of the cycle by paying attention to his finances. He started by creating a spreadsheet that tracked all of his income, expenses and bills.
“This gave me the big picture and helped me realize some quick wins of where I could stop spending and save a few bucks. It might not be much, but it is a start,” he says.
How does he think he ended up in this cycle to begin with? While he counts having a low salary as a contributing factor, he adds, “the majority of my situation was by not evaluating my financial decisions. I had two student loans out of college and little in a savings account. I immediately got an apartment. One year after working, I got a brand new car. Now I have two student loans, a car payment, rent, utilities and still very little saved. Quickly, I ended up only having about $20-50 each paycheck which would go to food, gas and maybe some leftover could go to savings. Oh, and I still had a few hundred on a credit card too. Financial disaster waiting to happen!” he says.
When you’re going over the numbers of what you spend your money on, try to think critically about the types of things you’re spending money on, and whether you could be more sensible in the future.
Bakke also advises people to get a budget and work on reducing expenses first, then to start aggressively tackling credit card debt, so you aren’t wasting money paying interest.
Alex Tran, a digital marketing strategist for Hollingsworth, a national e-commerce and logistics company, used to live paycheck to paycheck. She said that people who want to get out of that cycle should be obsessed with where their money is going.
To do this, she suggests downloading your bank’s app and signing up for services that allow you to see your credit score and create a budget for free.
“Check your accounts every 2-3 days, make sure your credit report hasn’t changed drastically, categorize your spending in Mint (this will help you determine your budget and if you’re going over it). Once I became less afraid to see my bank accounts, I knew what I should do with my paycheck and 10 years down the road, what I could do because I decided to save rather than spend,” Tran says.
Work on Your Situation
At the start of the budgeting process, a lot of people will focus on minimizing smaller expenses, such as a daily coffee run, which is a good start. But when you’re looking for ways to improve your financial situation, you should evaluate every aspect of your budget, including some of the bigger things that might take more effort to change, such as your income and housing costs.
Lots of people wish they were in higher paying jobs, but it can be hard to make that a reality. However, keep in mind that with your finances, you’re playing the long game. Just because you can’t get a new job tomorrow doesn’t mean you can’t start working on skills to build your resume.
Kunsman says utilizing free or low-cost resources allowed him to switch jobs from email marketing to digital marketing and start earning more.
“I started taking free courses from Google on paid advertising, SEO and analytics. I also read a bunch of marketing blogs, started a blog and looked for other ways to learn more. Doing this led me to get a job at a marketing agency, which accelerated my skills and salary to the next level,” he explains.
Use the internet to your advantage. There are countless free, reliable resources available to anyone with an internet connection that will make you more marketable and teach you how to be successful in your search for a better-paying job.
If a big portion of your budget goes toward housing costs, look into ways you could spend less. While it’s not always ideal to have to downsize your living space, the money you save moving into a smaller apartment could end up being worth it. If moving isn’t possible, consider bringing in a roommate.
Get a Side Gig
“I am the queen of side gigs,” Tran says. “I teach yoga, work a full-time job, do marketing projects/freelance on the side and write for various publications because it’s my passion. I find things that I can easily commit to and not stress over. I do things that are fun and bring value to my life.”
If a little bit of extra money each month would provide enough of a cushion for you to start saving for the future, it may be worth it to take on a side hustle.
With the abundance of gig economy apps out there, it’s easier than ever to score part-time work. If you love dogs, consider walking dogs for cash on the weekends using an app like Rover. If you have a car and some free time after work, you could spend a couple hours every weeknight driving for a ride-hailing app. Or, if you have a hobby that you’re skilled at, look for ways to monetize it through freelance work.
“This can also protect you in job loss, where you still have some income coming in and are building a buffer of funds during a job search,” Kunsman says.
Ask and You Might Receive
Not having money can be a cruel Catch-22: Sometimes, you don’t have enough to cover your bills, so they’re marked late and begin accruing fees, making it even more unlikely that you’ll be able to pay them off.
Avoid this punishing spiral by being unafraid to ask for help when you need it. It may seem unusual, but many times your creditors will be willing to work with you; after all, they’d rather have you pay your bills than have to send you to collections. If you know your payment is going to be a little late, talk to them ahead of time to let them know what’s up, explaining your circumstances. They may waive the late fee or push back your due date. The key is to be proactive and talk to them before it becomes a problem.
Likewise, figure out if you qualify for any social programs or government help. Situations like yours are what they’re there for.
“Don’t be afraid to ask for help if you need it. Check out government programs like unemployment, food stamps, subsidized housing, etc., if you are eligible. Look for low-cost business courses at community colleges, senior centers, libraries and community centers to improve your skills. Attend networking events and reach out for better career opportunities,” recommends Sharon Marchisello, author of the personal finance book “Live Well, Grow Wealth,” which is based on her experiences living frugally, saving, investing and retiring early.
When Tran was trying to break the paycheck-to-paycheck cycle, she was always looking for programs or deals that would help.
“Find low-income or income qualified deals. For example, in Seattle and New York, we have income qualified housing. If you make middle-income, you can qualify for reduced housing in these areas. There are also deals for internet, cellular/landline phone service, food programs (EBT), reduced rates for students and low-income [people] at parks and museums, education stipends and grants, and much more. You just need to look for them,” she says.
Be Ruthless About Cutting Costs
Do you really need cable? In this day and age, probably not. What about Netflix/Hulu/Amazon Prime? Oh, that one might hurt a little more. Opting for a cheaper phone plan? Life will go on, but it might be a little less enjoyable now that you can’t watch funny cat videos anytime, anywhere.
If you’re really serious about carving extra room in your budget to start saving, that money has to come from somewhere. Start by looking at all the things you regularly spend money on, and find areas where you could cut back. You don’t want to make your life miserable – if you really need a streaming service subscription, maybe limit it to just one, with the cheapest plan available – but you do seriously need to consider whether certain amenities are worth the budget space.
“Take extreme steps in the short-term. Maybe you cut the cable and get your TV needs from Netflix alone, which is a huge money saver,” Bakke says.
Additionally, see if there are lower cost swaps you can make. Look for cheaper car insurance or trade in a gas-guzzling car rental for a more fuel-efficient model. Limit yourself to eating out once a month or go out for lunch instead of dinner to get better deals.
Pay Yourself First
“Most people get paid, pay their bills, spend a bit, then save whatever might remain. Many times there is not much left to save, if anything. Instead, put a savings plan in place and save a percentage of money first, then pay your bills,” Kunsman says.
By making your own savings your first priority when you receive your paycheck, you not only ensure that you’re building a safety net, but you make it less likely that you can reason with yourself as to why you need to spend those leftover dollars on something rather than tucking them away for the future.
Even if you’re only able to contribute a little bit, you’ll slowly be building up that safety net, which could end up being a vital part of what gets you out of the paycheck-to-paycheck cycle. Ellie Thompson, CEO of Money Therapy, a financial consulting company located in Washington, D.C., explains why.
“Starting an emergency fund is essential to getting out of your paycheck-to-paycheck cycle. Why? So you can pay cash for your unexpected expense instead of reaching for your credit card, furthering yourself in debt. Start funding an emergency account that you put money in every month until you reach $1,000. You can start with small amounts – even $25 a month can make a difference,” she says.
The Bottom Line
Getting out of the paycheck-to-paycheck cycle is easier said than done. These are just some of the ways people have helped themselves out of the cycle, but depending on your situation, your experience may vary.
However, remember that achieving financial security happens like anything else: one step at a time. Just because it feels overwhelming or even impossible doesn’t mean it’s not worth trying. Having just a small emergency savings fund can prevent a flat tire or leaky roof from becoming a financial disaster – and that is money well saved.
Have you ever lived paycheck to paycheck? Do you have advice to share? Tell us in the comments below.
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