#Credit repair tips

[catsmenow]

The Fastest Way to Repair Your Credit

Check your credit report for errors The first step to repairing your credit is to check your credit report for errors. Errors can occur, and they can negatively impact your credit score. You're entitled to a free credit report every year from each of the three credit bureaus. Review each report for inaccuracies and dispute any errors you find.

Pay off your credit card balances Credit card balances can significantly impact your credit score, particularly if you're using a large percentage of your available credit. Paying off your balances or reducing your credit utilization rate can improve your score quickly.

Become an authorized user If you have a family member or friend with good credit, ask them to add you as an authorized user on their credit card. Being an authorized user can help you establish a credit history and improve your score.

Use a credit repair service Credit repair services can help you identify errors on your credit report, dispute inaccuracies, and negotiate with creditors to remove negative information from your report. However, be cautious of scams and do your research before choosing a credit repair service.

Make payments on time Paying your bills on time is crucial to improving your credit score. Late payments can have a significant negative impact on your credit, so make sure you pay all of your bills on time.

[myhomeingeorgia]

Need to repair your credit? Here are some helpful tips to boost your credit score. - My HOME in GEORGIA | Coldwell Banker Realty is affiliated with Guaranteed Rate Affinity Call or text us at 678-622-2693 for help with your real estate endeavors Now.

[stevedidier]

(via https://youtube.com/watch?v=fjOMJTdHlio&si=XIxhVry-8Z4KBtvt)

[femmefatalevibe]

Hi Femme!

Hope your day is going well! Just a quick financial question: how can I save up while paying off credit debt (🙃) and paying bills off?

I’m working but I’m only getting paid $15 ! And I’m also planning on saving for moving out. But I feel like it’s impossible. I want to build up a good savings account but I’m new at it as well.

Thank you!

Hi love! This is a vague question as I have no clue as to how much you make per month, what your monthly expenses are, the debt you've accrued, or the interest rate & terms of your credit card debt. Here are my general tips, but please note that I'm in no way a professional. Please contact a CPA for personalized, expert information on how to move forward with your financial life. Some high-level tips are below:

Track your income & expenses. Know exactly how much money is coming in and going out every month, so you know how much of your income is going towards your monthly expenses.

Do an audit of your expenses. See how much of your expenses are essential purchases. Without rent or utilities, I would imagine these are quite low (I don't know if you pay for any food at home, though).

Know exactly how much debt you're in and the interest rate of all of your debts.

Determine how much of your monthly income goes towards these essential expenses. Subtract this number from your post-tax income. Multiply this number by 3 to 6. This is the emergency fund savings you need in case any unforeseen expenses/job loss occurs. Use this information to determine your debt payment and savings timeline. Personally, I believe you should have at least a month of savings available for use before committing to paying off existing debt. This way, you don't accumulate more debt in the process of trying to get out of the debt you've already accrued.

Create a timeline with a self-assigned monthly payment plan to pay down your debts. When it comes to consumer debt, I believe outside of a small 3-month emergency fund, it is best to be as aggressive as possible to pay it down, especially if you're living at home.

For your savings, I HIGHLY recommend putting this money in a high-yield savings account.

Hope this helps. Best of luck xx

[destkelamedia]

Smart Tips to Improve Your Credit Score

[kids-worldfun]

Credit Repair Simplified: Practical Steps to Elevate Your Credit Score

Understanding and improving your credit score may seem intimidating, but it doesn’t have to be. Setting a clear plan and taking pragmatic steps can boost your score and enhance your financial well-being. Here is a straightforward guide that can assist in the credit repair process. Understanding Your Credit Report Acquire Your Credit Report Begin by obtaining free copies of your credit reports…

[theyayadiamond]

Interview with Author and Financial Advisor Brian Zuniga

https://www.brianzuniga.com/

Greetings! My name is Brian Zuniga, and I am the author of the successful books “The Modern Saver” & “The Modern Investor." Like many of us, I have read many financial books, have gone to tons of seminars, and have watched many financial YouTubers & TikTok influencers. The amount of financial information out there is overwhelming, and it is very difficult to determine what is accurate and what isn’t. My expertise lies in being able to break down complex financial concepts into understandable and most importantly, actionable pieces. Rather than just tell you what to do, I will teach you how to develop your own impeccable judgement. Truth is, as great as some financial advice is, it is rarely customized to the individual. After all, I am not you and you’re not me. I will teach you how to create your own financial blueprint that caters to your own financial goals & dreams. My course introduces an overview of crucial financial concepts that will help you immediately. My books will then expand on your newly obtained knowledge and will dive deeper into the financial concepts so you can expedite your financial success even further. I’m beyond excited and grateful for the opportunity to a part of your journey and can’t wait to hear your success stories! ⚡ VidChapter AI generated these chapters, try it out https://vidchapter.com/?affiliate=yayadiamond Recommended podcast platform get 10% off: https://podopshost.com/register/?ref=yaya

[paradisehomepros]

Your credit score helps lenders see how you've handled debt in the past; the higher your score, the lower the interest rate on your mortgage might be. So, as you can imagine, it's good to raise your score in preparation for applying for a loan.

[britannicaes]

Credit Score Improvement Tips: Your Guide to Boosting Credit Scores Fast

Learn effective strategies to boost your credit score quickly. This beginner's guide provides insights into credit scores, tips for improvement, and answers to FAQs. Take control of your financial future now!

Read more >>

[steddieas-shegoes]

Modern AU where Eddie is a tech repair person at an apple store in Chicago while he tries to make it big with his band and Steve is a spoiled rich kid who is trying to cover up that he's been using his macbook to film for his OnlyFans or something similar and he needs that shit wiped.

Eddie is as professional as he can be, but can't help but be amused at Steve being worried that he's gonna see everything.

S: seriously, just wipe everything. nothing has to be saved. don't even look through each file. just start over. E: okay sure. but you know you could just buy a new laptop. S: my dad checks my credit card statements. E: okay, so tell him you bought it for a friend or something. S: just. can you wipe it? E: yeah i can.

Eddie doesn't let him know that he already has seen everything because of course he subscribes to S.H. and often leaves him bigger tips than he can afford. He doesn't even know why Steve does it since he's apparently rich, or his dad is.

It only takes a few hours to wipe it, and Eddie's grateful he managed to help Steve instead of his coworker who is a certified Creep ™️ who absolutely would have made sure to watch as many of the videos as he could first.

He calls Steve and leaves a message for him that it's done, but doesn't hear back and Steve doesn't come by. He does the same thing again the next day, and the day after that, starting to grow concerned.

He goes so far as to check Steve's OF page, just to see if there's an update, but sees it's been shut down, like it never existed.

He finally caves, does the most unprofessional thing he's ever done, and texts Steve's number from his own phone.

This is Eddie from the apple store. Your laptop's ready. Just want you to know after 30 days we usually get rid of unclaimed items.

There's no response.

But two days later, Steve comes into the store wearing sunglasses and a hat, clearly trying to hide.

When he takes off the sunglasses to sign everything, Eddie sees a healing black eye and swollen nose.

He isn't stupid.

And he suddenly feels extremely protective over him.

E: did your dad find out? S: find out what? E: about your online job? S: how do you know? E: I wasn't gonna say anything, and I swear everything got wiped without anyone including myself seeing, but I do subscribe to you and I recognized you when you came in. S, already having a panic attack: shit no. this is bad. okay you can't say anything about this to anyone. please. E: I wouldn't, I won't. but your dad found out didn't he? he did this to you? S: *nods* E: you safe now? S: *shrugs* E: need a place to stay? S: i've been saving. that's why i did this in the first place. so i can pay rent somewhere. E: I have a second bedroom at my place that just opened up. up to you.

And of course Steve takes it because he's desperate, and doesn't have real world experience with a lot of strangers, but has a good feeling about this.

Eddie finds that Steve is a very typical rich kid; ignorant to a lot of the world's struggles, but not an asshole despite his bitchy attitude sometimes coming out, thinks money can fix everything until Eddie shows him that apologies and a cuddle on the couch can be better.

Steve is so touch starved, he doesn't even realize the way he always folds into Eddie's side when they're just relaxing and watching a movie, or how he always lets his hand brush against his side or hand when Eddie gets home from work. Eddie helps him look for a job, and they find that he loves working at a daycare even though the money isn't that great.

They fall in love so easily, neither of them actually realize it happens until Steve comes home after a very long day before the Christmas holidays, covered in paint stains from crafts with the kids, and Eddie just welcomes him home with a kiss.

[stevedidier]

5 Credit Repair Secrets the Credit Bureaus DON'T Want You To Know!

[munson-blurbs]

Living After Midnight (Failed Rockstar!Eddie x Motel Worker!Reader)

♫ Summary: Eddie lowered his guard during a late night conversation, revealing crucial details about his past. But was it enough for you to reciprocate? (4.3k words)

♫ CW: slowburn, strangers-to-lovers, angst, drug use, parental conflict, poverty, homelessness, brief mention of neglect, brief mention of sex work, eventual smut (18+ only, minors DNI)

♫ Divider credit to @hellfire--cult

chapter four: show me yours, i'll show you mine

If convincing Eddie to take the job wasn’t enough of a struggle, you still had to explain the situation to your parents.

Hi Mom and Dad, I invited a guest to help fix up the motel. The same one who stole a blanket–but don’t worry, I got it back. Oh, and he’ll be staying here for free.

They were understandably taken aback by your decision, especially without consulting them first, but you’d mustered up a strong argument: Eddie was young, he was easy to get along with, and he showed a basic sense of personal responsibility. Not to mention that the place could certainly use the repairs; peeling wallpaper was just the tip of the iceberg. Lightbulbs needed to be replaced, carpets needed to be scrubbed, and the outside of the building desperately needed to be power washed. 

“Plus, summer break doesn’t start for another few weeks,” you hastily added. “We won’t need to worry about renting out Eddie’s room until then.”

Mom arched an eyebrow at the newfound ascription—not room four, but Eddie’s room—but said nothing, only looking at your father for his seal of approval. 

He breathed out, long and low, trying to do the calculations in his head. Your heart flip-flopped when his gaze dropped to the ground, his signature move when he was about to tell you no. 

“If he doesn’t help out, he can’t afford to stay here anyway. It’s not like we’re losing money if he keeps the room for a bit.” You winced at the slight whine in your voice, the opposite of the infallible exterior you’d wanted to present. 

Dad laughed, not unkindly, but belittlement panged in your chest nonetheless. “Except for the water, air conditioning, and electricity he uses,” he pointed out, ticking off each item on his fingers. “Unless he plans to only sit in the dark, sweat, and never shower.” He sighed as unmistakable disappointment weaved into your eyes and filled them with tears. 

Now you’d have to tell Eddie that the offer was off the table, that he was shit out of luck, that you’d let him down. You never should’ve opened your big mouth in the first place. Captain Save-the-World, except you only ever made things worse. If you wore a cape, it would get snagged on tree branches each time you tried to fly.

“You have a good heart,” Mom spoke up, trying to nurse your wounded feelings, “but kindness doesn’t pay the bills.” She glanced at Dad again, her mouth set in a straight line. “Maybe we can discuss this further.”

You fought to ignore the hope that bloomed from her words, but the corners of your mouth turned upwards before you could rein it in. “Thank you,” you murmured, offering them both a grateful smile. 

People called you a ‘bleeding heart,’ teasing you about your constant attempts to solve problems beyond a reasonable scope. At last year’s Thanksgiving dinner, your uncle had informed you—unprompted—that he would never vote for you for President because “you’d just give all my money to the poor.”

While your parents were more realistic with their goals than you were, they did their best to encourage your compassionate spirit; there was no doubt that you got your sense of morality from them. After deliberating on Eddie’s fate for a few hours, they had finally relented—with one stipulation. 

“Your mother and I are not going to supervise him, so he’ll have to work night shifts with you,” Dad had said sternly. 

“Really?” You clapped your hands in celebration. “Thank you! I mean, um, Eddie thanks you.”

Dad gave your shoulders a quick squeeze; it was his version of you’re welcome. “Yeah, well.” He played it cool, keeping his tone breezy. “It’ll be good practice for when you take over the place.”

You’d nodded in response, your insides twisting in a clashing mix of excitement and shame. Eddie wouldn’t have to live on the street, but it required you to continue lying to your parents. 

I’ll tell them the truth once Eddie finds a real job and gets his own place. I can only handle one crisis at a time. 

That was how you’d found yourself spending your Tuesday evening with Eddie Munson. The motel was otherwise empty, save for your parents, a middle-aged trucker in room 7, and Phyllis in her usual digs.

You and Dad had spent the end of his shift covering the floor with giant flimsy drop cloths. They hadn’t been used in years, evidenced by the thin layer of dust that coated them when you’d dug them out from the back of the supply closet. You’d tried your best to shake it all off but instead sent yourself into a sneezing fit. 

Eddie sauntered into the lobby at a quarter after ten. Gray sweatpants sagged at his waist, the drawstring noticeably missing from the elastic band, and his white cotton undershirt had a tan stain that spread across his left pec. 

“Coffee,” he explained with a shrug, rolling a hair tie off of his wrist and pulling his curls into a messy bun at the nape of his neck. He looked at you blankly and waited for you to instruct him, but you had already dove into your schoolwork. “Um, is there a ladder? Tools?” He pursed his lips and scanned the room with indifference.

“Oh! Right, yeah.” You could have smacked yourself for not having everything set up for him. “We don’t have a ladder per se, but this step stool should work fine.” You pulled it out from behind the desk along with a scoring tool, a spray bottle filled with a vinegar and water solution, and a putty knife. “I also grabbed the clock radio from my room if you wanted to listen to some music. Might help pass the time.”

Eddie nodded, watching carefully as you switched the radio on and tuned the dial to a Top 40 station. He shook his head the moment the electric beat of Haddaway’s “What is Love” played through the tinny speakers.

“Absolutely not,” he said with a scoff, dropping the supplies right where he stood, footsteps heavy even with the cloth underneath him. Without another word, he spun the knob past the static until the sound of an electric guitar crackled through. He bobbed his head a few times, finding the rhythm. “This’ll do.” 

“Not a Eurodance fan?”

His back was turned to you as he returned to the task at hand which left him unable to see the sarcastic smirk you sported. “Fuck no.” He stepped up on the tool and began cutting into the old wallpaper, puffing out an irritated laugh. “I can’t believe—scratch—you voluntarily—scratch—listen to that–scratch–shit.” His biceps flexed with each flick of the blade in a consistent rhythm. 

Drumming your fingernails on the desk, you twirled your pen in your free hand as you reread your own handwriting. You’d stayed at the library and filled notebook pages with bullet points about early childhood development until a squirrely librarian kicked you out at closing time. The choppy sentence fragments begged to be fleshed out into a fully-formed essay, but you couldn’t bring yourself to focus.

Write words. Make edits. Add a comma. Do something, anything, dammit.

Almost an hour passed without you making an iota of progress on your paper. The words swam on the page until they just looked like inky squiggles with no real meaning, your brain blank as if you’d never written anything in your life. Cool air tickled your nose as you exhaled through your lips. Why couldn’t you just concentrate?

“It’s this music,” you muttered to yourself, too low for your company to hear. Your temples throbbed with frustration, and you reached over and snapped back to the previous station. 

Eddie’s head whipped around at the sudden change, frowning when he heard pop music instead of the metal that had just been playing. “Seriously?” He leaned one hand on the wall and threw the other up in exasperation. 

“Yes, seriously,” you bit back, teeth clenched in annoyance. “I can’t focus on my writing with that on.”

Eddie grumbled something unintelligible but went back to work, the scratching serving as a strange backdrop to the song. 

Janet Jackson faded out to a too-chipper deejay. “You folks know what time it is!” His voice reminded you of old-school toothpaste commercials, over-exaggerated and unnaturally polished. “That’s right; it’s time for Rad or Retch—where I play a song from a new artist, and you call in and let me know whether you think it’s rad or if it makes you wanna retch!” 

Eddie rolled his eyes, adding an exasperated “Jesus H. Christ,” under his breath. 

“This one’s called ‘Watch Me Leave’ by Death’s Echo, a grunge group from—”

The announcement came to an abrupt end as Eddie nearly leaped from the stool to the desk and yanked the plug out of its socket. The two-pronged head hit the floor with a soft thud. 

“Hey!” Your eyes widened in confusion and then disbelief, flickering over to where he stood. You expected him to wear a scowl that matched your own; instead, he looked like he’d just taken a knife to the gut, and you took a step back. “Whoa, you okay?”

Eddie tensed the moment he detected your sympathetic tone, shoulders pinched and jaw rigid. “‘M fine.” He pressed the heel of his left hand atop his right knuckles until they cracked. “Sorry.” He bent down and gently plugged the cord back into the wall, but you immediately flicked the power button to the off-position. 

It was silent for a full minute, save for the scorer against the wall and the scratch of pen on paper. When Eddie finally spoke, his voice was so soft that you barely heard it.

“That was my band.”

Confusion creased your brows. You set down your pen and stole a glance at him. His body remained facing the wall, but he was no longer working, hands lamely at his sides. “What?”

“Death’s Echo was, uh,” he shook a rogue curl from his eyes, “that was my band.”

“Oh.” Awkwardness seeped into the room and filled every crevice as you wracked your brain for a suitable response. “But…not anymore?”

Eddie clicked his tongue. “Nope.” The p sound popped softly as though signaling the discussion’s end, but there was a pregnant pause before he started removing the wallpaper again.

“Why not?” The question sprang from your tongue, curiosity getting the best of you.

A hesitant chuckle accompanied his sigh. “I thought you didn't make small talk with strangers.” He climbed back on the step stool and ripped off a strip of paper.

“I thought we weren’t strangers anymore,” you quipped back, not missing the smile that ghosted his lips.

“Fair enough.” Eddie conceded easily, not at all angry to be proven wrong. He bit the inside of his cheek and stared up at the yellow-tinged lighting overhead before slicing into the wallpaper. “Sometimes you think you want something, but it turns out to be a steaming pile of horseshit.” The last word was punctuated by a grunt, and the last panel of wallpaper fluttered to the ground. “That’s the music industry in a nutshell.”

You nodded in agreement despite an obvious lack of knowledge.

“They sign your band,” he continued, aiming the spray bottle nozzle at the wall and pulling the trigger, “and you think it’s because they like you. Or at least your music, your sound, whatever.” He wrinkled his nose as he got an unexpected whiff of the vinegar solution’s pungency. “But you’re really just a front for whatever they want to sell. Which, apparently, is grunge.” 

You had too many questions. They probably referred to record producers or agents or some other bigwigs, you surmised, but what did they do that made Eddie so cynical? 

That was far too loaded to ask, at least in that moment, so you opted for a more humorous follow-up. “You mean it wasn’t all sex, drugs, and rock ‘n roll?” you joked, but Eddie didn’t share in your lightheartedness. 

“At the beginning, when we first got signed, yeah.” His brown eyes exuded wistfulness, remembrance of better times. He blinked twice and snapped himself out of it. “We put out a few albums that didn’t completely flop, I guess. And we were the opening act on a couple of tours. Got a good chunk of money in the bank.”

That explained the Calvin Klein underwear he was wearing on that first night. You capped your pen and leaned in, trying not to be overly inquisitive but unable to contain yourself. “So…what happened?” What led you here?

“We get called into a meeting, and we’re all thinking that the label’s gonna tell us we’re headlining, right? Maybe not, like, The Garden, but bigger venues than we usually played. But, uh…” he trailed off and rubbed the tip of his nose with an open palm, “it was an ultimatum: shift from metal to grunge, or get dropped.”

You listened intently as Eddie relayed the ordeal. The label executives had cited the increasing popularity of Nirvana and Pearl Jam along with decreasing interest in heavy metal bands. “Cobain’s selling; Ozzy isn’t,” they’d explained. If Death’s Echo wanted to play to packed arenas and have their music on mainstream radio, they had to adapt to the times.

“I told them we weren’t sellouts and to kiss my ass,” Eddie said to you, huffing out an annoyed breath. “But the rest of the band didn’t give a shit about that; if those suits told them to jump, they’d say ‘how high.’ So, I quit and waited for them to come crawling back.” 

He didn’t elaborate after that. He didn’t need to. Because if they’d done as Eddie had hoped, he wouldn’t be performing manual labor just to live in a struggling motel, basking in the gloominess that he wore like a second skin.

“If you could go back and do it differently, would you?” You grimaced at your own intrusiveness. “Sorry, that was—”

“It’s fine.” Eddie didn’t give an answer right away, his teeth grating against his lower lip. “Y’know, I’d like to say no, but losing your record deal, your apartment, your girlfriend, your so-called ‘friends,’ and every nice thing you own can make a guy kinda cynical.”

Girlfriend?

It was far from the most dire item on that list, but it needled at you. Maybe it was the mental image of Eddie watching everything get taken from him and then adding heartbreak on top of it all. 

“How about you?”

His voice yanked you from your thoughts and had your heart in your throat. “Huh?”

“You. Your whole deal.” He gestured at you with the scraper. “Why you’re always doing homework like a little nerd.” You couldn't detect a note of taunting in his teasing, only playfulness, just as it had been that very first night. 

You scowled for only a second before a smile broke through. “Don’t you have wallpaper to remove?”

Eddie snorted out a laugh. “I see how it is: when it’s my shit, I’m free to talk. But when it’s your shit, I’m a lowly employee.” He held up both hands in mock surrender. “My deepest apologies, Heiress.”

You didn’t bother to argue, choosing instead to pivot to a new subject altogether. “How long does this take, anyway?” Walking out from behind the desk to inspect his work, you ran your finger down the wall. Once you got past the stench of vinegar, he was actually doing a pretty good job.  

“You think you could do better?” He saw your gentle ribbing and upped the ante, holding out the putty scraper as if saying, be my guest.

Plucking it from his grasp, you smirked and chose a spot right at eye level. Challenge accepted. 

Though the glue had softened considerably, removing it still required decent muscle. You put your bodyweight into it and pushed through the resistance, but you only managed to pull off a little bit. 

You heard Eddie laugh through his nose as he stood behind you, watching you struggle. “Harder than it looks, huh?” He ignored your middle finger and stepped a half-inch closer. “Let me help.”

One calloused hand dwarfed yours, his fingers wrapping around where your fist held the scraper. The other found purchase on the bicep of your free arm where your T-shirt’s cuff met skin, stabilizing without entrapping you. You could easily get out of his grasp if you wanted. 

You stayed there. 

He tightened his grip around yours and made short, downward strokes, admittedly taking off far more glue than you had. “There ya go,” he murmured. His breath was warm on your neck, gooseflesh rising when he spoke. You hoped he wouldn’t notice. “Just like that.”

Butterflies beat their wings in your stomach, a result of the unexpected proximity compounded by an unmet need for connection that starkly contrasted the night shift’s normal solitude. A loose tendril of his hair tickled against your ear, and the realization of how close your bodies actually were shattered whatever spell had been cast. 

Eddie pulled away quickly, the air cooling where his hand once rested. Did he also feel that sudden loss of contact, or was it all in your head?

With a shaky breath, you stepped aside and silently returned the tool to him. “Should probably leave this to the expert,” you muttered, forcing nervous laughter. “I have to get back to writing anyway.”

His eyes bored into you as you walked back to the desk, but neither of you said another word. You glanced over at him every so often, noting the perspiration dampening his collar and under his arms as he toiled away at the glue and wished you had a water bottle to offer him.

Maybe next time. 

You got halfway through the first body paragraph when Eddie spoke again.

“You’re really not gonna talk?”

You looked up to see him swipe his forearm along his brows as he shot you a tired grin.

“We just had a whole conversation,” you pointed out, returning your attention to your essay. 

“About me,” he said. He wiped his palms on his pants, leaving behind a sweaty print, and traipsed over to you. “I mean, every time I see you, you’re either going to school or coming back from school or doing work for school…” 

You shrugged, no big deal. ���Okay, yeah, I go to school.”

“For what?”

Shit. “Hospitality and hotel management.”

“Really.” Eddie leaned over and snatched up your paper. You reached out to grab it back, but it was too late. The bridge of his nose scrunched as he read the opening paragraph to himself. “Doesn’t look like hospitality to me.” Amusement raised his brows. “Care to explain?”

It was the last thing you wanted to do, but you felt strangely obligated. He’d confided in you, so you should at least moderately indulge him. 

“Fine,” you relented, “I’m studying psychology.” That might have been the first time you’d ever said those words aloud in the motel lobby; it was oddly freeing. 

Eddie nodded and continued to scan the paper. “You wanna be a shrink?”

“Social worker.” 

He let out a low whistle. “That’s a tough gig. Especially if you’re working with kids.” He shook the essay pages for emphasis. 

“Yeah. I know.”

“Right.” He shoved one hand in his pants pocket. “What made you decide to be a social worker?”

You breathed out a laugh. “You want the easy answer or the real one?”

He didn’t hesitate before answering. “Real one. Always.” He returned your essay and rested his un-pocketed hand on the desk. Inquiring eyes beckoned you to continue.

With less trepidation than you’d anticipated, you tell him the story of that fateful day in the summer of 1987, just two years after you’d graduated from high school.

You were still working the afternoon shift, and summer break brought its usual influx of guests. People came and went in blurs of luggage, but there was one particular patron who had made her presence known.

“Hi!”

You peered over the desk to find the source of the lively greeting. A young girl, no older than five, stared back at you, syrupy grape stickiness surrounding her lips. The cause was most likely a popsicle, as evidenced by the purple stained stick clenched in her right hand.

“Um, hi,” you said with a smile that was, for the first time in a long while, not encased in customer service insincerity. “What’s your name?” And where did you come from?

Unfazed by your bewilderment, she introduced herself as Izzy and asked you if you wanted to play. “We just have to stay here, or else my mommy will get mad,” she explained with urgency.

You nodded slowly, sorting through the information without raising any alarm. “And where is your mommy?”

Izzy’s hazel eyes darted back towards the hallway. “In our room. She’s with a friend so I can’t go in.” She dropped her voice to what she considered a whisper, but it was still clear as day. “Her friend is a boy.”

Your stomach turned. Of course. Instead of watching her child, this mother was probably shooting up with her boyfriend of the week. 

“I can’t play right now, but you can sit here with me until your mommy and her friend come back out,” you said. “I have paper and pens if you wanna draw.”

This satisfied her, and she plopped down on the floor and patted the spot next to her. That day hadn’t been particularly hectic, so you obliged and sat.

“What’re you gonna draw?” Izzy asked, reaching for a blue pen. You didn’t have time to answer before she proudly announced, “I’m gonna draw a flower. Do you like flowers?”

“Mhm.”

Izzy smiled as she surrounded a circle with swirling loops. “You can draw a flower, too. Maybe a rose. Or a sunflower!”

Her excitement at the latter option was all you needed. “Sunflower it is, Miss Izzy.” You drew a circle of your own and filled it with a cross-hatched pattern, curating pointed-tipped petals around it. 

“D’you have crayons?” she asked, not looking up from her own flower.

You put down your pen and offered a pitying frown. “No, I’m sorry.”

“S’okay. You should get some, though. ‘Cause you can draw prettier flowers with crayons.” 

The two of you stayed on the floor for ten minutes. All the while, she quizzed you on your favorite color, animal, food, and TV show. She was halfway through a heated explanation of why Friend Bear was superior to Share Bear when a frantic voice called out her name. 

“Mommy!” Izzy practically flew into her mother’s arms. You watched as the woman’s entire body sagged in relief, pulling her daughter in close. A man trailed behind her, discreetly zipping up his fly and walking out the front door. 

“Izzy, I told you to sit in the hall and eat your ice pop,” her mom gently scolded, words muffled by her lips being pressed to Izzy’s scalp. 

Izzy scrunched her nose in confusion. “But I finished it.” She pointed at the empty stick, now on the ground where she’d been sitting, as proof. In true childlike fashion, she jumped to a new topic without waiting for the first conversation to conclude. “Mommy, you wanna see what I drawed?”

“Of course, baby.” She easily feigned excitement as Izzy presented her with a series of scribbles that were meant to be various flowers, people, and farm animals. “Wow! I think you’re gonna be an artist one day.”

The little girl continued chatting, blissfully unaware of the panic she’d inadvertently caused. Her mom allowed herself to look away for just a moment to glance at you, mouthing a tiny “thank you” and blinking her tear-filled eyes.

“And…I don’t know,” you lamely supplied as you wrapped up the story. “I guess I realized that I had all of these assumptions, this sort of preconceived notion that this woman was a deadbeat parent, but she obviously loved Izzy more than anything.” You picked at your thumbnail nervously. “No one should have to sell their body for money just to survive. She deserved better than that.” 

Eddie stayed quiet for a moment, absorbing everything you’d thrown at him. “And you wanted to help her,” he finally said.

“Yeah.” You thought back to the way her gaze simultaneously held gratitude and guilt. Her daughter was safe, but she knew that this was not the final time she’d be in this predicament.

The experience had awakened a realization in you: working at the motel was never your dream, but it kept a roof over your head and food in your belly. You weren’t left to navigate the world on your own. Independence was a privilege, not a mandate.

“For what it’s worth,” Eddie broke in, “I think you’ll be a great social worker someday.” He rapped his knuckles on the desk twice and slipped back to the awaiting task; despite insisting that you talked to him while he worked, he hadn’t touched any of the tools while you spoke.

Your smile was a thank you, and you tuned the radio back to the metal station Eddie had chosen earlier. He didn’t say anything else, but you noted the subtle tap of his toe against the drop cloth.

Eddie worked for a few more hours until he’d stripped the wall of all paper and glue. “All right,” he said, balancing the step stool on two fingers. Sleepiness softened his own smile, all lips and no teeth. “Let me know when the new wallpaper comes in. You, uh, know where I live.”

“Will do.” Your thumb absently grazed against the words you’d just written, smudging them. You rubbed at the black ink seeping into your skin, silently chastising your own carelessness. “Good night, Eddie.”

He stretched and scratched at the U-neck of his collar, exposing a sliver of chest hair. 

“Sweet dreams, Heiress.”

--

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[thealtoduck]

Reunion

Cal Kestis x Male Mirialan ex-Jedi!Reader

Warnings: You flirt with stormtroopers…

Part 1: Being a mirialan jedi youngling and getting your kyber crystal…

Y/l/c = Your lightsaber color

Summary: After the fall of the Jedi Order you fled to Raxus Secundus for your survival, 5 years later Cal Kestis and the crew of the Stinger Mantis land on Raxus Secundus with their ship in need of repairs…

——

You walked in to the cantina looking around at the different patrons, you walked and sat down at the bar. The bartender soon showed up in front of you and asked ”What can i get you?”. You thought for a second and decided ”A phattro, please”.

”Coming right up” he said and soon placed a glass filled with a purple beverage in front of you. You took a sip and a familiar refreshing taste hit you. Two off-duty stormtroopers were sitting a few chairs away from you, their helmets placed next to their drinks.

They were looking towards you. You gave them a small smile and raised your glass to them in a little ”cheers”. They smiled back at you and grabbed their drinks and helmets coming over to you, sitting down on each of your sides.

”Hey beautiful, what’s your name?” said the one to your left. ”I’m Y/n, what’s yours?” you said in a alluring tone. ”They call me Red” he introduced himself with a smirk. You turned to the trooper to your right and asked ”And you?”. ”Spikes” he answered cooly.

”How may i be of assitance for the troops?” you asked taking another sip of your drink. ”Well, we’ve had a lot to attend to lately and it can get very stressfull” Red explained. ”Extremely stressfull” Spikes added. ”And we thought a pretty thing like yourself might help us… relieve some of that stress” Red said putting a hand at your waist.

You smiled a flirty smile. ”Oh really, how about we-” you started but was cut off by a sudden feeling brought on by the force, a warning? No. A familiarity, a memory, a very distant one. You stood up and looked around seeing no one. ”Are you alright?” Spikes asked.

”Uh yeah… Sorry i have to go” you said, leaving credits and a tip for the bartender. Red scoffed annoyed and said a snide ”Tease”. You ignored him and walked out on to the streets of Tamwith Bay. The connection you had felt was now lost.

You closed your eyes and tried to focus, reaching out through the force, trying to find the connection again but there was nothing. You were left alone and confused.

As you wandered home you thought to yourself about what or who it might’ve been, a Jedi? Just another force user lost in the galaxy?. Memories of the jedi and your training started flooding your brain as you entered your small apartment.

You had been made a padawan only 4 months before the collapse of the Jedi Order and the Republic. In most cases you would’ve most likely been to young to become a padawan but the Clone Wars had taken a big strain on the order and because of the deaths of many masters and padwans in battle there were a lot of gaps to fill.

You had been assigned to Jocasta Nu, the chief librarian of the Jedi archives. You didn’t earn a lot of battlefield experience from this but your master had shown you some of the secrets of the Jedi temple.

Once the destruction of the Jedi hit in full force you and your master escaped the temple through a secret passage hidden within the temple. Once on the streets of Coruscant she ordered you to get on a shuttle while she had drawn away a group of Clone Troopers.

That had been the last you ever saw of her as the shuttle had left. Sometimes you wondered if she had survived that night and had managed to escape the purge as well but even then they might’ve caught up with her sooner or later.

You lifted a loose floor panel of the ground revealing a box containing your now dusty jedi robes, a hard drive containing Jedi texts and your twin lightsabers. You brought your lightsabers out afraid to turn them on incase someone could here the noise and report it to the empire.

You shouldn’t even bring them out of their hiding spot, you never knew who was watching. But something told you that you would be needing them in a couple of hours. You went to bed that night with your lightsabers hidden under your bed in case of a intruder or sudden attacker.

You were kept allert by the force the next day, you hid your lightsabers beneath a cloak as you ventured out in to town. Nothing seemed out of the ordinary so you just tried to go about your business as usual but as evening came, things would change.

You were once again making your way home but saw people running away from the town square, you decided to check it out. Once you got there you were met with a life changing sight. It was jedi, or at least someone carrying a lightsaber who knew how to fight like a Jedi.

He was fighting what you assumed was an imperial inquisitor, you had heard rumours about them but never seen one in person. They were Jedi hunters, sent out to find the survivors of the purge.

You then felt the connection from the day before reignite, you had met this Jedi before… but who was it? Suddenly the Inquisitor used a force push to knock the Jedi in to a stack of crates, knocking him over.

As the Jedi layed among the crates you caught a glimpse of his face, he looked like… Cal Kestis, a friend of yours from the order. The Inquisitor walked menacingly towards Cal, spinnig his double bladed lightsaber.

Without thinking you forced jump up in the air and landing between Cal and the Inquisitor. You faced the Inquisitor and ignited your lightsabers making two y/l/c blades emerge from them.

”Two Jedi, this just got a lot more interesting” the Inquisitor said, his smirk being covered by the helmet. It had been a long time since you fought or even practised with your lightsabers so you begged the force would guide you.

The Inquisitor slashed at you but you dodged, you flipped over his head cutting at him but he blocked. The two of you started attacking back and forward while Cal tried to absorb what just happened. A hodded Jedi had just come out of nowhere and saved his life.

He watched as the Jedi fought, lightsabers skills clearly rusty but skilled. Cal then got of his feet and jumped, attacking the Inquisitor from behind. The Inquisitor managed to block but started to struggle keeping up with the three blades slashing at him.

While the Inquisitor was blocking an attack from both one of yours and Cal’s saber. You managed to get a cut in down the middle of the doublebladed saber, destroying it. You and Cal then force pushed the Inquisitor at the same time sending him flying in to a stone wall which knocked him out.

Cal then let out a sigh of relief at the Inquisitor’s defeat. He then turned to you and said ”You’re a Jedi”. ”Not quite” you said lowering your hood making Cal’s eyes widen as regcognition hit. ”Y/n?” he questioned.

”Hi Cal, it’s been a while” you greeted. Without warning Cal ran up to you and threw his arms around you. You were caught of guard at first but then wrapped your arms around him as well, it didn’t hit you until now how much you had missed him.

You heard troopers approaching and broke the hug. ”Come on, this way” you said and started sprinting down an alley way. Cal followed close behind. You led him back to your apartment, you gave one last look outside before closing the door, making sure you weren’t followed.

Once behind closed doors you find your arms locked around each other in another tight embrace. ”How did you survive? You were on Coruscant that would’ve been the most heavily guarded planet?” Cal questioned in amazement.

”Let’s sit down” you said, you made some tea for the two of you and poured it up in two cups. You both sat down around a small table and you started telling him how Master Nu had saved your life and that it had let you escape Coruscant.

”How about you?” you asked and Cal explained that his master had sacrificed himself for him. He then told you of the events that led him and his crew to land on Raxus Secundus a couple days ago for ship repairs.

”Y/n, you should come with us, we’re trying to rebuild some of what’s left of the Jedi Order, you could help us” Cal suggested. You thought about it for a second before answering ”Cal, I’m not sure how much i will be able to help you, i only just became a padawan before the fall of the Jedi”.

”To us that’s enough, we need to rebuild with what little we have left” Cal insisted. ”I don’t know Cal, i just need some time to think” you told him. ”Alright, you have until tommorow, me and my crew are leaving once our repairs are done” Cal said.

You opened the floor panel and brought out the hard drive out of the box. ”What’s that?” Cal asked. ”It’s a hard drive, it contains a few Jedi texts from the library. It’s not a lot but it’s something, i think you should have it” you said handing it to him.

”Thank you” Cal accepted gratefully. Cal then contacted his crew and let them know about the events of the day. They decided it was best for Cal to stay the night with you as security had tightened because of the reveal of two Jedis in the city and that he should try sneak his way to the ship at the crack of dawn.

”Where should i sleep?” Cal asked, looking around your small apartment, there weren’t many options besides the bed and the floor. ”You can have the bed” you offered. ”And let you sleep on the floor, we can share your bed, wouldn’t be the first time” Cal suggested.

”Alright” you nodded and the two of climbed in to bed together, laying on your sides to face each other. ”This reminds me of when we would sneak out of out temple rooms to have sleep overs together” Cal said making a smile spread over your face.

”I remember that and that one time Master Skywalker caught you on the way to my room but he promised not to tell anyone” you reminded Cal who let out a chuckle. ”Then after you left the temple with Master Tapal, i remember how much i missed you and how lonely i felt” you admited.

”I missed you too Y/n, especially after purge. It was terrifying having no way to know if you had survived or not” Cal said as you gazed in to each others eyes. He continued ”But now we’re both here again and i never want to leave you behind”.

Cal then leaned forward and pressed a soft kiss to your lips, from which you didn’t pull back. While attachment was against the Jedi teachings their was no order around anymore to supervise you. You were free.

As you both pulled away from each others lips you brought a hand up to cup his cheek stroking it lightly. ”I’ll come with you, i don’t want to lose you again either” you confessed. You both then fell asleep, hands clasped together ready for the challenges tommorow would bring.

[femmefatalevibe]

for the other anon: bitchesgetriches is an excellent blog with a lot of great personal finance advice and guides to things like paying off credit card debt on a low budget 💜

Thank you, love! Posting for visibility xx

[batwritings]

Words of Affirmation

I saw a tiktok from someone named ColonelCakez as König and their caption read how to some, König is a character in a video game. But to them and many others, he's a comfort. I got to thinking about my own mental state, how down I've been about recent events in my personal life and how I'd love to hear comforting words from these characters that hold such a special place to me and many more. So here are a few words from CoD characters that you may need to hear. I may do one for Obey Me and even the DSMP if people want it. :) Please remember how special and loved you really are. Enjoy!

------------------------------------------------------------------------------

Simon "Ghost" Riley "Are you going to spend all your time moping or are you going to do something about it?" You look up to Ghost who slowly sits on the steps beside you, his more casual mask loose on his face. "I...don't know how," you mumble, watching the rain fall to the ground. "But you know there's something you can do. Pick a spot, the easiest spot, and start there."

Johnny "Soap" MacTavish "Easy mate, take a breather," Soap tells you, both hands firm on your shoulders. "Now look at me. It's not all gonna get fixed right now. But it will. The world's not going to explode from a few mistakes. Take my word on that one aye?"

John Price "Quite bottling it up," Price's voice is soft, a fatherly hand on your head. "The more you bottle, the worse the aftermath will be. Let it out yeah?" He holds you firmly as you cry into his shoulder.

Kyle "Gaz" Garrick "I know what it's like to feel like the world is falling around you, away from you," Gaz says quietly, sitting next to you in the barracks. "But only if you let it. You have the strength to break your fall and get back on your feet. I've seen you do it before, you can do it again."

König "You need to give yourself more credit meine liebe," König kneels in front of you, holding your hands with such tenderness. "You are doing the best you can with what life has handed you. Do not listen to their opinions; they don't know you. Put on your ear protection and keep doing your best."

Kim "Horangi" Hong-jin "I know personally how hard it can be when you feel trapped, like the world is against you," Horangi's voice is warm and soft as he holds you against his chest. "But you have claws. You have the ability to fight back and take your life back. Fight for it."

Nikolai "Come now my friend," The pilot says with a knowing smile. "You have not failed. Only needed to stop for repairs. When life hits you and turns your perspective upside down, you need only turn it back around. It is not impossible, you've seen how I do it." He smacks his helicopter a few times, making you crack a smile.

Nikto "We know all too well what it is like to feel like you are alone, that you have nothing. That you are nothing," Nikto tells you, leaning in the doorway to your room. "Sometimes you have to learn that it's okay to trust others and let them in again. They aren't going to hurt you as badly as your mind is making you think."

Sebastian Krueger "Having people leave hurts, especially when it's outside our control," Krueger sighs, lifting the netting to take a drag from his cigarette. As he blows out a puff of smoke, he continues. "But forcing yourself into a life of isolation is worse. There will always be opportunities to patch the damage to your heart."

Philip Graves "Turn that frown upside down sunshine," Graves tells you with a pat on the back. "Neither of us are going anywhere till the job gets done. And trust me, it'll get done just fine."

Alejandro Vargas "Don't look so down cariño," Alejandro tips your chin up to look at him as he gives you his signature sharp-toothed grin. "Los Vaqueros have your back. You can rely on us; you're not alone."

Rodolfo "Rudy" Parra "Hey what's wrong amor?" Rudy questions, holding your face gently. "It's all going to be okay. We're going to figure things out one step at a time okay? You and me." He puts a soft kiss on the tip of your nose. "Promise."

Valeria Garza "Come on chiquito/a, let's get you up," Valeria helps you to your feet, brushing dirt and dust off your pants and shirt. "Try again yeah? You think I took the title of El Sin Nombre without falling off the bull a few times? You can do this."

Kate Laswell "Everyone makes mistakes, I'm certainly no exception," Laswell puts her hand on your shoulder. "I've seen you do this before, I know you can do it again. Go prove them wrong, take no prisoners."

Alex Keller "I've been through my fair share...and you see what happened because of that," Alex points to his prosthetic before standing and you watch it support his weight. "But that was only one part of who I am. I'm a hell of a lot more than that, and I know you are too."

Farah Karim "I know what it feels like to have the weight of the world on your shoulders, like everything is riding on your success," the resistance leader tells you. The rising sun paints her in an ethereal light as she smiles at you. "It is always important to remember who is in your corner, and who will turn their back on you when the war is over. Remember how to trust but not make yourself vulnerable. Guard, but don't push away those who would help you."

Keegan P. Russ "Choices are never easy, especially when you don't know the right ones to make," Keegan puts his mask back on as he approaches you, knocking his forehead into your oh so gently. "Whatever choice you make will be the right one for you kid. Don't second guess yourself so much, you know yourself and your situation better than that."

[ms-demeanor]

any tips for Adult Phone Calls? i've been putting some off and it's going to start costing me money if i don't Get It Together soon, but that pressure just makes it harder!! part of my issue is not knowing what The Script is and part of it is that i find real-time conversation as An Adult really daunting....

Yes!

Okay so a big part of my job is answering phone calls; I am a professional person who answers phone calls from people who would rather not have to call me and who are usually confused and upset by what is happening, which often has the potential to be expensive for them. It's a stressful call to make!

As a professional phone answerer, here are the things that help ME when people call:

Be able to describe the reason that you're calling and what you would like to do about it. This is a simple two-step giving basic background information and your desired outcome so that the person answering the phone can get the process started for you. Examples: "Hi, I'm a new patient referred by Doctor X; I'd like to make an appointment with Dr. Y." "Hi, I tried to use my credit card but it was rejected, I would like to know why." "Hi, I am calling about a late payment; I would like it removed from my record." "Hi, my sink is leaking and I'd like to schedule a visit for repair." "Hi, I think my computer has a virus, I'd like to bring it in to get checked out."

Call when you have some time. Don't call when you've only got five minutes to be on the phone, this could take a while and you will be less stressed if you call when you've got at least ten minutes to half an hour where you won't be interrupted. If you are less stressed, the person taking the call will be less stressed, and the whole process will work better.

Have any account/ticket/serial number/referral information handy. Pre-game the call in your head and think about any questions they might need to ask you, then gather the information they might need. Examples: If you're calling about something like a car or computer hardware, know the basics of make/model/age. If you're calling a financial institution or service provider, have your account number, verification information, etc. handy If you're calling a medical office you might want to have a list of medications as well as your insurance card available.

And here's some information that might make CALLERS more comfortable:

We're not mad at you for making the phone call; talking to you is our job. You're not bothering anyone or imposing on anyone's time. Please make the call instead of churning in panic for weeks or months; it's much easier to fix something or resolve an issue if it's addressed early than if you respond to it months down the line.

You can just say right off the bat that you're not sure about the call or that you don't know what's going on and you need help. You might want to say something like "Hi, I'm having an issue and I don't know the next steps to take to get it resolved; could you please help me?"

You can also just say something like "Hi, thanks for helping me; I'd like to let you know that I have a little trouble using the phone and may need to ask questions as we go or think for a second. Thanks for being patient with me, here's my issue."

There is like a zero percent chance that your call is going to be one of the more stressful things they do that day. The call is stressful for you, it is very routine for them, and they are used to everything from getting screamed at to trying to communicate in languages they don't speak to help callers.

Also: if you have not called this place before, feel free to call it with no plans to speak to anyone just to see how the phone system works. It may be an automated phone system and you can call and pre-navigate the options and take notes for when you're ready to call back, and you may be able to find out more of what the system will ask of you. If you get picked up by a person when you're not ready you can simply say "Oh, I'm sorry, I've got another call coming in, I'll call back, thank you" and hang up.

The Script for most Adult-type phone calls is "I am having X problem and I need help fixing it," and then requests for information and someone either providing a resolution for you issue or escalating it to the next step in the process.

It's hard to pre-plan a script without more details because some people you'll call will have a more difficult script than others (canceling cable, for instance, can be a hassle and there are people out there who have written specific instructions on how to do that) and some will be very easy (scheduling an appointment or opening an account can often be very simple!) but regardless of how difficult the specific script is you can ask for help along the way, and the process will be easier if you've done a little information gathering about your own needs/issues/desired resolution.

Good luck! Please don't let the phone scare you too much! People on the other end of the phone are usually quite happy to help.

If it's something really contentious like dealing with a collections agency, look up specific resource guides because that's where it pays to have a very specific idea in mind of how you're going to approach the problem.