this is why prenups are important because you have to leave her. she's not an adult. she's a child in an adult body who wants this guy to just be a walking, talking atm machine with a dick. she's clearly contributing nothing but wants him to work himself to death so that she can have a social media worthy life. this is why men need to continue asking "what does she bring to the table?" or they will find themselves in this situation.
for the anon who wants to leave home: bitchesgetriches has a financial guide to leaving home before 18, and i’m sure some of it is still applicable even if you are of age. I left home before turning 18, but i was so lucky and had somewhere to go, so i won’t pretend that i know exactly what you’re going through but if it helps to know at all: i promise it gets so much better once you leave. it’s not always easy, even with help, but it’s worth it. i’m rooting for you! ❤️🖤
I love people like you who reach out with these resources! Thank you for reaching out on behalf of the community. It seems I've gotten yet another recommendation for @bitchesgetriches, so will need to give them a follow! Sharing for visibility xx
In todau’s transits, the Moon 🌙 at 28° Capricorn ♑️ 10’ 55” forms a sextile with Neptune at 28° Pisces ♓️ 54’ 36”. Our sense of emotional satisfaction aligns and blends perfectly with our understanding of our dreams in a practical and mystical way. See your way home today. Find a new way today. Find yourself in the darkness today. Find your loved ones today.
Today is Tuesday and the planetary ruler of the day is Mars. Focus on transforming stuff that aggravates you into personal motivational energy today. 😇
The Fiscal Year ends at midnight, October 1, 2023. Under the Fiscal Responsibility Act of 2023, if the government is operating under a continuing resolution or short term extension/stopgap, then all Federal Spending gets cut by 1 percent on January 1, 2024.
as a former herb (which was the name for simps back in my day) i will never again pay the bills for any woman who doesn't have my last name. i've paid bills, rents, travel accommodations, and more like an idiot. i've learned my lesson. it was a hard lesson but i learned it. never pay the bills for someone who isn't your wife. if she wants bills paid then she's got to get a husband (which means she has to be wifey material which is harder than just being freak in the sheets or girlfriend material). anything else, everything else is a scam and just because you have money doesn't mean you're supposed to be a mark. that's another lesson i had to learn. just because i could afford it doesn't mean i'm supposed to be paying for it. and the moment they leave because you won't pay their bills you know you just dodged a bullet.
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How I Crushed $20,000 in Student Loans and Achieved Debt-Free Bliss!
Shaina Tranquilino
January 31, 2024
Student loans have become a harsh reality for millions of graduates worldwide. The burden of debt can be overwhelming, hindering our financial freedom and future aspirations. However, with determination, discipline, and these practical tips that helped me pay off my $20,000 student loan debt, you too can find your path to becoming debt-free.
1. Create a Solid Repayment Plan:
The first step towards paying off any debt is to create a well-structured repayment plan. Start by evaluating your overall financial situation and set realistic goals for yourself. Determine how much you can afford to put towards loan payments each month without sacrificing essentials or other necessary expenses. Having a clear roadmap will help keep you focused and motivated throughout the journey.
2. Prioritize Your Payments:
While it's essential to make minimum monthly payments on all outstanding debts, prioritizing higher-interest loans can save you significant money in the long run. By directing additional funds towards loans with high-interest rates, you'll reduce the overall interest accrued and expedite your debt payoff process.
3. Cut Back on Non-Essential Expenses:
Consider adopting a frugal lifestyle while paying off your student loans. Identify areas where you can cut back on non-essential spending to free up more money for loan repayments. Assess your monthly budget meticulously; small sacrifices like reducing dining out frequency or cancelling unnecessary subscriptions can go a long way in accelerating your debt repayment journey.
4. Generate Additional Income Streams:
Increasing your income is an effective strategy to speed up loan repayment. Explore opportunities to generate extra cash through side hustles or part-time jobs aligned with your skills or hobbies. Consider freelancing, tutoring, or monetizing specific talents online – every additional cent earned helps chip away at your student loan balance faster.
5. Utilize Windfalls Wisely:
If fortune smiles upon you with unexpected cash inflows, like tax refunds or bonuses, refrain from splurging on luxuries. Instead, allocate these windfalls towards paying off your student loans. While it may not be as thrilling as a spontaneous shopping spree, the satisfaction of reducing your debt burden will far outweigh any temporary materialistic indulgence.
6. Seek Loan Forgiveness or Repayment Assistance Programs:
Investigate loan forgiveness and repayment assistance programs available for specific professions or industries. Depending on your field of work, you might qualify for programs that forgive a portion of your loans after a certain number of years of service or offer repayment assistance in exchange for working in underserved areas.
7. Refinance Your Loans:
Consider refinancing your student loans to secure lower interest rates and flexible repayment terms. Research different lenders' offerings and compare their interest rates, fees, and borrower benefits before making a decision. However, carefully assess whether refinancing is the right choice for you based on your financial goals and circumstances.
8. Stay Positive & Celebrate Milestones:
Paying off significant amounts of debt can feel like an arduous journey at times. It's crucial to stay positive throughout the process by celebrating milestones along the way – no matter how small they may seem! Recognize each accomplishment and reward yourself modestly to maintain motivation and keep pushing forward.
Becoming debt-free is an empowering achievement that opens doors to financial freedom and peace of mind. Remember that everyone's journey is unique, so don't compare yourself to others; focus on what works best for you. By creating a solid plan, practicing frugality, increasing income streams, exploring loan forgiveness options, refinancing when beneficial, staying positive through challenges, and celebrating milestones – you'll pave your own path to debt freedom just as I did with my $20,000 student loan payoff.
Stay determined, disciplined, and committed - soon enough, you'll find yourself basking in the joy of being debt-free. Your future self will thank you!