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bitchesgetriches · 1 month

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{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?”

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?”

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?”

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly

Our Final Word on Student Loan Forgiveness

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus

Status Symbols Are Pointless and Dumb

Advice I Wish My Parents Gave Me When I Was 16

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending?

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income)

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

#debt #mortgage #credit card debt #debt management #debt consolidation #pay off debt #student loans #student loan debt #loan #financial tips #money tips #personal finance

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davidl2001 · 3 months

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Debt Consolidation 101 - What You Need To Know

Debt Consolidation Managing debt can be overwhelming, especially when you have multiple credit card bills and loan payments to keep track of. One approach to simplify debt management is debt consolidation. Debt consolidation involves taking out a new loan to pay off multiple old debts. This method can lower your monthly payment, reduce your interest rates, and simplify your finances. However,…

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#Debt consolidation #debt consolidation loans #loan payments #pay off debt

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inkskinned · 7 months

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the thing about art is that it was always supposed to be about us, about the human-ness of us, the impossible and beautiful reality that we (for centuries) have stood still, transfixed by music. that we can close our eyes and cry about the same book passage; the events of which aren't real and never happened. theatre in shakespeare's time was as real as it is now; we all laugh at the same cue (pursued by bear), separated hundreds of years apart.

three years ago my housemates were jamming outdoors, just messing around with their instruments, mostly just making noise. our neighbors - shy, cautious, a little sheepish - sat down and started playing. i don't really know how it happened; i was somehow in charge of dancing, barefoot and laughing - but i looked up, and our yard was full of people. kids stacked on the shoulders of parents. old couples holding hands. someone had brought sidewalk chalk; our front walk became a riot of color. someone ran in with a flute and played the most astounding solo i've ever heard in my life, upright and wiggling, skipping as she did so. she only paused because the violin player was kicking his heels up and she was laughing too hard to continue.

two weeks ago my friend and i met in the basement of her apartment complex so she could work out a piece of choreography. we have a language barrier - i'm not as good at ASL as i'd like to be (i'm still learning!) so we communicate mostly through the notes app and this strange secret language of dancers - we have the same movement vocabulary. the two of us cracking jokes at each other, giggling. there were kids in the basement too, who had been playing soccer until we took up the far corner of the room. one by one they made their slow way over like feral cats - they laid down, belly-flat against the floor, just watching. my friend and i were not in tutus - we were in slouchy shirts and leggings and socks. nothing fancy. but when i asked the kids would you like to dance too? they were immediately on their feet and spinning. i love when people dance with abandon, the wild and leggy fervor of childhood. i think it is gorgeous.

their adults showed up eventually, and a few of them said hey, let's not bother the nice ladies. but they weren't bothering us, they were just having fun - so. a few of the adults started dancing awkwardly along, and then most of the adults. someone brought down a better sound system. someone opened a watermelon and started handing out slices. it was 8 PM on a tuesday and nothing about that day was particularly special; we might as well party.

one time i hosted a free "paint along party" and about 20 adults worked quietly while i taught them how to paint nessie. one time i taught community dance classes and so many people showed up we had to move the whole thing outside. we used chairs and coatracks to balance. one time i showed up to a random band playing in a random location, and the whole thing got packed so quickly we had to open every door and window in the place.

i don't think i can tell you how much people want to be making art and engaging with art. they want to, desperately. so many people would be stunning artists, but they are lied to and told from a very young age that art only matters if it is planned, purposeful, beautiful. that if you have an idea, you need to be able to express it perfectly. this is not true. you don't get only 1 chance to communicate. you can spend a lifetime trying to display exactly 1 thing you can never quite language. you can just express the "!!??!!!"-ing-ness of being alive; that is something none of us really have a full grasp on creating. and even when we can't make what we want - god, it feels fucking good to try. and even just enjoying other artists - art inherently rewards the act of participating.

i wasn't raised wealthy. whenever i make a post about art, someone inevitably says something along the lines of well some of us aren't that lucky. i am not lucky; i am dedicated. i have a chronic condition, my hands are constantly in pain. i am not neurotypical, nor was i raised safe. i worked 5-7 jobs while some of these memories happened. i chose art because it mattered to me more than anything on this fucking planet - i would work 80 hours a week just so i could afford to write in 3 of them.

and i am still telling you - if you are called to make art, you are called to the part of you that is human. you do not have to be good at it. you do not have to have enormous amounts of privilege. you can just... give yourself permission. you can just say i'm going to make something now and then - go out and make it. raquel it won't be good though that is okay, i don't make good things every time either. besides. who decides what good even is?

you weren't called to make something because you wanted it to be good, you were called to make something because it is a basic instinct. you were taught to judge its worth and over-value perfection. you are doing something impossible. a god's ability: from nothing springs creation.

a few months ago i found a piece of sidewalk chalk and started drawing. within an hour i had somehow collected a small classroom of young children. their adults often brought their own chalk. i looked up and about fifteen families had joined me from around the block. we drew scrangly unicorns and messed up flowers and one girl asked me to draw charizard. i am not good at drawing. i basically drew an orb with wings. you would have thought i drew her the mona lisa. she dragged her mother over and pointed and said look! look what she drew for me and, in the moment, i admit i flinched (sorry, i don't -). but the mother just grinned at me. he's beautiful. and then she sat down and started drawing.

someone took a picture of it. it was in the local newspaper. the summary underneath said joyful and spontaneous artwork from local artists springs up in public gallery. in the picture, a little girl covered in chalk dust has her head thrown back, delighted. laughing.

#writeblr #warm up #this is longer than i wanted i really considered removing that part about myself and what i went thru #but i think it really fucking bothers me that EVERY time i talk about being an artist #ppl assume i just like. had the skill and ability to drop everything and pay for grad school.#like sir i grew up poor. my house wasn't a safe space. i gave up a FREE RIDE TO LAW SCHOOL. for THIS. bc i chose it.#was it fucking hard? was i choosing the hard thing?? yes.#but we need to stop seeing artists as lazy layabouts that can ''afford'' to just ''sit around and create''#when MANY - if not MOST - of us are NOT like that. we have to work our fucking ASSES off. hard work. long and hard work #part of valuing artists is recognizing the amount we sacrifice to make our art. bc it doesn't just #like HAPPEN to us. also btw it rarely has anything to do with true talent.#speaking as someone with a chronic condition i hate when ppl are like u have it easy. like actively as i'm writing this my hands r #ACTIVELY hurting me. i haven't been posting bc my left hand was curled in a claw for the last week #this isn't fucking luck. after a certain point it's not even TALENT. it's dedication & sacrifice.#''u get to flounce around and do nothing with ur life'' is a narrative that is a direct result of capitalism #imagine if we said that about literally any other profession.#''oh so u give up 10 yrs of ur life to be a doctor? u sacrifice having a social life and u get SUPER in debt?#u need to work countless hours and it will often be thankless? well i wish i was that lucky''#we should be applying that logic to landlords ONLY #''oh ur mom and dad gave u the money to buy a house? and all u did was paint it white and rent it? huh.''

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my-financials · 9 months

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The Power of Financial Literacy: Mastering Your Financial Future

In a world where financial decisions play a pivotal role in shaping our lives, being financially literate is no longer an option – it’s a necessity. From budgeting and saving to investing and retirement planning, understanding the nuances of personal finance empowers individuals to make informed choices and secure their financial well-being. Let’s delve into the key reasons why financial literacy…

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#achieve your goals #budgeting #financial literacy #My-Financials.com #pay off debt #personal finance #save money

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chemical1 · 1 year

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#investing #1. Create a Budget and Stick to It #Pay Off Debt #Save for Emergencies

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dreams-poetry-art-therapy · 2 years

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Once I have financial freedom I want to acquire

Festival ticket summer 23

A good way to save like 1000€ e.g. Gold

Dk concert ticket (autumn 23)

#Finances #Money #Debt #Pay off debt #Financial problems #Gold #M3 #Goals

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allgremlinart · 5 months

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inspired by @/mugentakeda's Jet + Iroh hostility doodles but I made it lesko (lesbian jetko) because. I can

#jetko #jet atla #allgremlinart #ok no more art for you guys for like a month. I have to finish these commissions so I can #pay off my student debt <- barely joking #yes their names r the same.. YES Iroh isnt genderswapped in this. its funnier.#hm.. Ba Sing Se lesbian Jet/Zuko/Jin love triangle... a race to see who can get this horrible girl to that fountain lantern place first..

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nerdpoe · 9 months

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When Jason died, he was an organ donor.

When Danny died in the portal incident, he needed a new heart.

When Jason got resurrected, his body regrew the organs it needed and healed as best it could.

This is why when Jason was wandering the streets as a zombie, Clark never clued in on it; because he had been made aware that Jason's heart was being transplanted into another young boy. So he heard it begin, and then tuned it out.

Bruce, in his haze of grief, oversaw the operation to place Jason's heart in a boy that could have been his deceased sons twin.

As curious as it was, he never looked into it.

He couldn't.

He buried himself in grief and rage.

Danny received a heart from the perfect donor, and thinks nothing of it until Frostbite commends his twin's sacrifice.

But Danny doesn't have a twin.

Does he?

#dcxdp #dpxdc #dc x dp #dp x dc #danny and jason are twins #their bio mom sold danny to the weird scientists for a weapon she later sold to pay off a debt #story prompt

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fattributes · 4 months

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It's really hard for me to ask this, but would anyone be able to help me financially get home from work and a doctor's appointment this week? I'm already taking the bus as often as I can, but there isn't one that runs by the time I get off work, and I won't be able to get home otherwise. My next paycheck is expected to drop on the 15th, and I currently only have $5.26 in my bank account. I would really, deeply appreciate any help I can get. Thank you.

cash app: $fattributes ko-fi: fattributes paypal: [email protected]

#text #I'm so sorry but I can't ask anyone in my family to help me out #we're all paying off medical debt and pinching pennies #when I started my second job I really thought this wouldn't be an issue anymore #I worded this poorly but I am too stressed out to write a second draft #I'm also so sorry that this is last minute #I was hoping things would be different

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bitchesgetriches · 5 months

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I'm kinda freaking out because apparently a medical bill of mine got sent to a debt collector-- I didn't even know I had to pay this because my parents usually pay my bills and when I asked them they said not to worry about it. (I was 20 then, and I'm still on their insurance so they usually take care of it all). Is this going to ruin my credit? I don't even have any loans or credit so far so this is the only thing that's happened to it. I would have paid if I even knew but they never sent me a letter or an email until the one letting me know about the debt collection. It says I have until the 18th to dispute the debt. I don't really know what to do. Would calling to clear this up and paying right away do anything or am I just screwed?

Call them and pay it. You can and will recover from this! Your credit is going to be fine.

Also... make sure you tell your parents they screwed up. You don't have to be confrontational, just say something like "Hey, did you know about this bill? Because it's in collections now. I've paid it, but in the future, please notify me if you receive any bills for my medical treatment so I can handle it properly without it damaging my credit."

In general, if you can't pay the full amount of a bill, it's best to contact them and pay something. Here's more advice:

How to Pay Hospital Bills When You’re Flat Broke

If you found this helpful, consider joining our Patreon.

#collections #debt #debt collector #pay off debt #being in debt #damaging credit

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feyhunter78 · 9 months

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Among the Sun Ch 2

Description: Your mother must make a choice for the good of the kingdom. Ch 3

Your corset feels too tight, but you relish it, taking comfort in the grip it has on your rib cage, pretending it’s a firm hug, a grounding measure as the throne room fills with armored soldiers.

“You must forgive me y/n, you must.” Your mother says stricken, your hand in hers, her grip ironclad.

“All will be well, do not fret.” You whisper, standing beside the throne, the hem of your skirt wet with blood.

“The Great Sun of the Empire, the Conqueror, He Who Bled Among Demons and Lived, Miguel O’Hara, Emperor of Nueva York, stands before you.” A herald announces as the doors slam open.

You flinch back at the sound and force yourself to turn towards the doors.

“Forgive me, y/n, forgive me, my child.” Your mother whispers over and over again, the sound setting your nerves on edge.

The room quiets as he enters, the sound of his heavy boots echoing off the walls and up to the high domed ceilings.

He is…not the monster you envisioned. He has monstrous traits, but your first thought is that he’s quite handsome. Tall and muscular, with thick black hair and piercing brown eyes. His features are strong, almost divine in their arrangement, and you fight the urge to move towards him for a better look.

“Queen Cyathea, you have my deepest sympathies for the loss of your husband and son, but I am a man of principle, I cannot make exceptions, so I offer you a choice, bend the knee, pay tribute or—”

“Take her.” Your mother says, cutting off the emperor.

You look back at her in shock, but she pushes you forward. “You must do it, y/n, for our people.”

You stumble forward, catching yourself right before you topple into the firm, armored chest of Miguel.

It’s as if he hadn’t noticed you before, but now he grabs your wrists, pulling you closer, inspecting you with an uncaring eye. “You wish to offer your daughter as tribute? My people do not believe in slavery, nor do I.”

“Take her as a bride, a servant, a bedwamer, she is pretty and a quick learner she can do many tasks.” Your mother says frantically, sounding very unlike herself.

Your face burns at her words, and you struggle against Miguel’s grip.

“Stop.” He orders, his voice cold.

You freeze, glancing back at your mother, silently begging her to do something, anything.

“Take her, leave our kingdom alone, we will not trouble you.” Your mother says a tone of finality to her voice.

She has made her choice.

Tears sting your eyes, and you stare up at the ceiling, praying they will not fall. You can’t cry in front of the Conqueror; you can’t show such weakness so early on.

Miguel laughs, it’s a booming sound, soon echoed by his men. It’s terrifying, and you fight the urge to curl in on yourself.

“I will take the girl, your kingdom remains in your hands, My Queen.” He says, giving her a half bow before throwing you over his shoulder and departing.

He doesn’t set you down until you’ve entered some kind of tent. It’s large and lavish, lanterns hanging from taunt ropes, trinkets, and pillows thrown about.

“Please, my mother is grieving, she did not mean what she said, I will return, and we will not trouble you. You can take anything you desire from the kingdom, but I beg of you, please let me go.” You can’t stop the tears from falling, and you try to quickly wipe them away.

Miguel towers over you, his arms crossed, his broad chest rising and falling in an even motion. “An arrangement was made; will you not honor it?”

“I—”

“A queen, a princess, a kingdom without honor is no good to me. It serves only as kindling.” Miguel says the lack of concern dripping from each word.

“No, no, please, I will honor it, I will.” You stumble over your words, cursing yourself for such weakness.

“Good.” He says curtly, his hands settling on your shoulders before they begin to slide down your body, his large warm hands caressing every inch, the skin so hot you fear he’s attempting to burn through the fabric of your dress.

You jump back, mortified. “How dare you?”

He grabs you, pulling you back, one hand on your waist, the other continuing its path. “I am checking you for weapons, cariño, cannot have you attempt to kill me as I sleep.”

You relax, slightly. “Oh…well I did not bring any weapons, I was not allowed to bring anything, but clothing and a few personal items, all of which were checked by your men.”

“But they are not me, they are not allowed to touch you.” He says, his hand leaving your wrist as he crouches down, his hands sliding down your waist, hips, legs, until he stands back up seemingly satisfied.

“I have no weapons.” You tell him.

He hums in response and grabs a dagger from the wall.

“Wait, wait, please, I swear I have nothing.” You plead, throwing your hands up in front of you helplessly.

He throws the dagger with surprising speed, and it tears through the fabric of the tent. Then you hear a thump. He leaves you there, then reappears dragging a body behind him. “Recognize him?”

You force yourself to look at the dead man’s face, he has a strange mark on his neck. You don’t recognize him. “No, I’ve never seen him before.”

Miguel hums in response.

“Should I recognize him?” You ask, inching closer, trying to place the man.

“Stay back.” He warns.

You freeze and your stomach churns as you watch the flesh melt off the man, revealing a twisted, demonic form beneath.

“He’s an anomaly, a human who strayed too close to dark magic and was consumed by it. They prowl the land searching for victims, destroying lives with a single act.” He explains, before he snaps his fingers, and the corpse dissipates.

“And he was coming here? For what reason?” You ask, a chill of fear settling over you.

“There is no reason to these creatures, y/n, if you see one, with that mark on their skin, you run. You find me, and I will kill it, do not attempt to engage it, no matter what it says to you.”

“They speak?” You’re both curious and horrified.

“They lie.”

He’s silent after that and finishes removing his armor, leaving him in simple breeches and a linen shirt. The shirt is unlike any you’ve ever seen. It dips low in a sharp “v” exposing his toned chest, with loose laces you assume meant to close the gap, but Miguel has them undone.

“Where am I to sleep?” You ask carefully, your hands behind your back to hide their fidgeting.

He looks over at you and raises an eyebrow. “In my bed.”

Your face heats up and you shake your head. “I—that is not appropriate, I am unmarried.”

Miguel makes his way over to you, his amber eyes burning into you. “Would it be more appropriate if you were married? If I kept you half bare in my bed while your husband was languishing in a castle somewhere?” He leans down skimming his nose up your throat inhaling deeply. “Yes, perhaps it would, how pathetic he would seem. How tortured he would be knowing that his wife is well satisfied night after night, drooling for my cock like a whore.”

You rear your arm back and slap him. Shock reverberating through you, your hand stinging, your head reeling. You were going to die.

Surprise flickers across his face, then he starts laughing. He keeps laughing, doubling over, the sound rich and still booming, echoing off the walls of the tent, and you take a panicked step back.

“I—I am so sorry, Your Majesty, truly, truly sorry.” You cry, tears welling in your eyes once more.

Miguel straightens up and in one swift motion throws you over his shoulder, then onto his bed. “You have fire cariño, I enjoy it.”

He’s hovering over you, strong arms steady, no sign of fatigue from holding up his weight. Gray ram-like horns protrude from his head, their bases hidden by his thick hair, the ends tipped with gold. He trails a clawed finger down the curve of your cheek, until all you feel is a calloused fingertip resting at the corner of your lips.

Can he retract them? You wonder, your eyes on the cloth ceiling.

Miguel gently grabs your chin, guiding your eyes to his. They’re brown like the rum barrels you often see rolled off ships, and just as potent as the intoxicating liquid they hold.

“Please do not harm me, I will not cause you trouble, I swear.” You promise, feeling a strange tugging at the edge of your consciousness as Miguel keeps his eyes locked on yours.

“Sleep, I will not touch you. I am not an animal who forces himself upon others.” He reassures you, a bitter tinge to his tone, his eyes shifting from yours for a moment, that tugging feeling receding.

You’re too stiff to sleep but try to force yourself to relax. “Thank you.”

Miguel’s eyes snap back to yours, red scattered within the brown, blood flecking the dirt of a battlefield. “Do not thank me, sleep.”

His words echo in your mind for a moment, then you sink into the arms of sleep.

TL: @not-aya, @belos-simp69, @deputy-videogamer, @sxnasbitch, @maxi-ride, @minimari415, @syndrlla97, @gejo333, @lady-necromancer, @zeyzeys-stuff, @tayleighuh, @loser-alert, @envyjmoney, @allysunny, @princessloveweird, @freehentai, @xlittlebubx-blog, @berry-potchy, @drefear, @jkthinkstoomuch

#meg's writing #among the sun #very much my mom sold me to one direction to pay off her gambling debts vibes in this chapter #still need an official tag ughhh #miguel o'hara x reader #miguel ohara x reader #miguel o'hara fanfiction #spiderman 2099 x reader #miguel o'hara x y/n #miguel o'hara x you #miguel ohara x you #miguel ohara x y/n #emperor!miguel #princess!reader

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