#Poor Credit Car Loans

[williamcareys]

If you're a Universal Credit claimant and you're looking for car finance, there are some options available to you. However, it's important to note that securing car finance while on Universal Credit can be more challenging compared to individuals with a stable income.

Ensure that the loan terms are fair and reasonable, and that you understand all associated costs and obligations before entering into any agreement. Consulting a financial advisor or seeking guidance from local charities or organizations that assist individuals on benefits could also be helpful in navigating the process.

[yourheartinyourmouth]

a fucking MITZVAH out of nowhere!!!!!!!

a dear friend’s parents are offering to give us 3K to get the car repaired. fucking. a big pile of money fell into our laps. oh my gods. because they have more than they need and they are happy to share it, because to do is a mitzvah, a good deed, and they’re the kind of people who like to help.

i’m fucking crying i was telling husbeast earlier that unless a big pile of money fell into our laps we were SOL, and then….a big pile of money fell into our laps.

Khaire Hermes, Friend of Man!!!!!!

[blairelythere]

I pay $2000 dollars a month to live in a 900 square foot box.

I delivered $120 worth of fast food to an 8 bedroom house in a gated community. In that hour, I earned less than it cost to buy myself a frozen pizza and toilet paper that night.

My account was overdrawn. I was charged $35 for being $2 short.

Didn't have the money to pay for new car tabs when they expired -> $250 dollar ticket.

Rent was submitted by the due date but processed two days after. That was an $180 late fee.

I was discriminatorily fired because my self-harm scars are "triggering to others," and I "abandoned my job" after being harassed about it. Yeah, sorry, you should've stayed in the abusive work environment, bit your lip, and merrily carried on if you didn't wanna be fired. Oh, and also, you don't qualify for unemployment now.

Don't want to have to tell a future employer your dead legal name while job hunting? $200 filing fee, $150 record request, a court hearing, and 3 months of wait time for a name change.

Just reach out to the family that abused you. Reach out to the family that abused you. Reach out to the family that abused you. Reach out to the family that abused you. Reach out to the family that abused you.

Disability payout is awaiting approval. Oh, sorry, the wait time is 6+ months for a response. Yes, we know that you're already legally disabled. Yes, you still have to wait.

Did you miss a credit card payment? Well, shucks, gonna lower that measly score now. Don't worry about how it's a qualifier for apartments, car loans, and mortgages; it certainly won't negatively ripple throughout the rest of your adult life.

I still have my things - my knickknacks and toys. For now. The fact that you haven't sold them is a sign that you simply aren't trying hard enough... did you know that? Times are tough! It's time to sell everything replaceable and irreplaceable. Things are just things, right? You must have nothing left before you truly may have help.

I can't quite capture the feeling I'm feeling.

You must have nothing left.

It's awfully expensive being queer, poor, and alive.

[bitchesgetriches]

{ 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????

[justinspoliticalcorner]

Andrew Perez at Rolling Stone:

It happened, again: Democrats lost a winnable election to a racist, orange-makeup-wearing carnival barker, despite his odiousness, immorality, and unbridled corruption. This time, Donald Trump campaigned on an even darker agenda — the mass deportation of migrants, calls for more violent policing, and demands of retribution against his enemies — and he didn’t have to try to steal the election in the courts or via a violent coup. In the battleground states, he appears to have run the table, and he will likely win the popular vote outright, something a Republican hasn’t done in two decades.  There are plenty of factors that could help explain why Vice President Kamala Harris lost — and why the race ultimately was not that close: Joe Biden’s crushing unpopularity; pervasive sexism, racism, and xenophobia; an American culture that stupidly valorizes the ultra-wealthy and licks their boots. There was the Harris campaign’s decision to run a safe, staid campaign, from Democrats’ favorite failed playbook, Be Like Republicans. There was her refusal to break from Biden over his support for Israel’s war in Gaza — carnage that plays out on our screens daily, and has particularly affected young people.    The most likely explanation, however, for why Harris lost is the most basic one: Americans are deeply dissatisfied with a brutal economy. 

After Washington put an end to Covid-era pandemic aid programs, Americans suffered two years of sky-high inflation, impacting the price of nearly everything, alongside higher interest rates — which drove up credit card rates, mortgage rates, the costs of car loans, and more. Amid a punishing cost-of-living crisis, voters have now punished Democrats.  Exit polls and other survey results coming out of the 2024 election are incredibly clear that this contest was, as is often the case, about the economy, stupid. Edison Research exit polls show that two thirds of voters believe the state of America’s economy is poor or not so good; 69 percent of them voted for Trump. Asked what the most important issue in their vote was, 31 percent of voters said the economy, and 79 percent of those voters supported Trump.

The world is in a punish all incumbents mood, as we saw in the UK earlier this year, and sadly, the USA wasn’t immune, as de facto incumbent Kamala Harris (D) lost to the 34x convicted felon, insurrection-inciter, adjudicated rapist, and vile bigot Donald Trump (R).

Swapping out Joe Biden for Harris may have helped save us in Minnesota, New Hampshire, Virginia, New Mexico, and New Jersey. Had Biden been the nominee, the Dems would have lost most, if not all, of these.

[theweirdwideweb]

Ok but what’s YOUR credit score??

I only have one credit card with a $300 limit so it depends on how much is on the card. $0 balance = ~740, $150 balance = ~690, above that amount is ~680. The only other debt I have is a student loan. So I'm doing pretty good, but don't worry if you're not. When I first looked at my score it was at like 540 I think? I lived in poverty for a long time and just threw my bills in the trash--because what are you gonna do? Find me? Take my blanket? I didn't own anything and had no use for credit anyhow considering I couldn't afford a car or a house. Then I took out student loans, got a 2 year degree, then a higher paying job and put my credit back together piece by piece. I found the derogatory marks in my credit report (all unpaid bills that went to collections) and unfortunately I just had to pay them all back. I always have enough money in my account to pay the student loan and got this rinky dink card just to build credit. It is a "secured card" meaning I paid my bank $300 to give me a credit card with a $300 limit. It's a first step for people with poor credit to start adding good credit history. It worked! Just takes some time.

[andromeda3116]

like i really think people outside small towns - especially in the south - wildly underestimate what it takes to leave them

like, here's what it took for me to move 450 miles from home:

familial support on both sides of the move, i.e.:

--people to help pack the u-haul for free

--someone to drive the u-haul for free

--a place to stay overnight after arriving in the new city for free

--people to help me unpack the apartment for free

--people to chip in on gas

--people to buy lunch/dinner on the way over

--people to give advice on where to look for apartments

--people to give me a place to stay while apartment-hunting so that i didn't have to go in sight-unseen to a new home

--a big one: a brother with whom i lived for a year at very cheap rent and expenses to save up what i could

a decent job in a niche in-demand field back home, which allowed me get a well-paying job here in the same in-demand field with enough experience to start off in a good place

a reliable, reasonably fuel-efficient car that could travel 450 miles without concern (which was paid off beforehand)

a $4500 personal loan from the bank (which i used every single penny of) - which also required:

--good enough credit to qualify for a personal loan

--enough income from the previous year to get enough from the loan to move

enough income pre-move to cover expenses for my final month at home and my first three weeks of work here before getting a paycheck

(aside: people were like "why would you start your new job less than a week after moving?? that's so stressful!!!" like my doll my dear my darling i needed the fucking paycheck as quickly as possible after moving)

enough food to bring along so i could eat between moving and getting that check

related, and also in the "familial support" column: people to help me pay for gas and/or feed me if i ran out of money/food

of course the baseline of a home to stay in at all back home, internet to do the zoom interview and find apartments to rent, as well as the structure in the hometown like a u-haul facility and a good bank with which i have a long-standing account

also, only having to move myself and my pets rather than having children who would need to have either daycare or schooling lined up on the other side of the move

now, like, obviously you can move without these things - and of course any kind of support system can take the place of my family, either friends or community groups or government programs - but they are not easy things to necessarily contact or interact with from hundreds of miles away, and not having them leaves you potentially very vulnerable in the new place, sometimes to the point of life-threatening

and i wasn't even that poor! i mean i was below the median income, but only by a few grand - and it still required a solid baseline at home, support on both sides of the move, and a personal loan, and i still barely managed to do it

"why don't you just move???" is such a severely, blindly, mind-bogglingly classist statement that it makes me just immediately disengage with whoever is saying it

like, even if you don't have roots in the place you're at, moving away is fucking hard and fucking expensive

--signed, someone who has been rankling deeply at the casual way people talk about "just mov[ing]" like that's a normal, easy, obvious thing to do and not something that is absolutely price-gated to hell and back

[carrickbender]

Sunday 7-

I had 2 drs appointments on Friday, one of which was a CT that was supposed to help figure out why I have so much pain in my right testicle(TMI). It saw nothing, so now we get to keep guessing. Boss told me to "take weekend off", but was doing the morning orders/teams call every day between 5-7, trying to fix stuff and do reconciliations. Glad they trust me with this, but wanna give a 'high five' to my imposter syndrome telling me im gonna get fired any day.

- had to take Henry to urgent care on Saturday, and it turns out he has the start of pneumonia. Wanna give a big shout out to the ARNP who told me she really thought he should just 'ride it out' after 10 days of awful coughing and that their kids 'were still in it after a month'. Yeah, the PA said there was no way he wasn't leaving without antibiotics. Made me feel like an asshole parent... he's on day 2, and already more of himself.

- I went back up there today for me, and I have pretty severe bronchitis. He put me on a different antibiotic, more steroids, refilled my inhaler, and actually listened to me. I mean, I appreciated his care and actual concern. Fun situation: while I was there, a tree fell across the powerlines and tripped off most of town, so they had to go to back-up generators. There was a hall full of people, in a brown out, that the staff were managing like pros. Seriously, we are lucky to have that place.

-after today, I have 4 payments left on my car. 4. I think we will wait till June, and then it's 4 door vehicle time. The lunabug is getting taller, and we want to go see my dad/stepmom in Eastern Wa in something that has space. Everybody and their dog has sent me one of those damn, "interested in a new car loan? It's OK to check your rate, and won't hurt your credit" messages and as soon as my credit union chimes in, I'm sure we'll have something to talk about.

- speaking of something to not talk about, I learned a new term and joined a subredit today called 'dead bedrooms', and yeah, checks out completely. I don't have a therapist yet, so it's not a bad sorce of info or me trying to figure out what I have messed up(apparently, yet again).

- so I had to stop at Walmart(yay for small business destruction by a corporate giant!) for meds/a few groceries and this dingus in an f250 with a WA st license plate celebrating wrestling decided he needed to back into a compact space that was in front of me. He almost hit the first car on the way in(who had to stop and back up), but then he literally backed his 'not a farm truck but a penis extension' into the compact space in front of me, and thanks to me backing up knowing he would have been sticking out if I didn't, he took 3 feet of my spot and his hitch was literally 4 inches from hitting my car. In my space. And that entitled piece of shit didn't even look to see how close he was, he just walked away like he was the king of backing up. Look, I have no problem with wrestlers, but the only one who matters in my life is John Irving, and I think he would have been sensitive enough not to be a shit bird like that! (Part 1 of 2 rant)

- I wanted to share a thought or 2 about something I've seen going about on here for a little bit, because I think i need to say avfew things:

I love that I have so many people I follow here who take stances for the poor, marginalized, POC, and other underrepresented communities-not just in a perfunctory way of saying 'I support you'; but quite a few of you are actually involved in helping bring about change and strengthening communities by being unselfish hands that help heal hearts- you inspire me to be a better person, really. As a person of faith, I see you doing the work that many faith leaders of old spoke of when they talked of when they said, "serve as you have been served, and love as you have been loved"- and seeing that faith in action, it has made me read more about liberation theology and revisit the works of the Rt Rev Bishop Desmond Tutu, Dietrich Bonhoffer, and Dr Martin Luther King jr(and of the later, 'Why I oppose the war in Vietnam' is just as relevant now as it was then). I thank you all for this inspiration and work.

But what I have really come to realize about myself is that I am a person of privilege. I am a white CISmale, straight, accessed a good education at a young age, had a huge extended family that helped raise me when my mom had me at 17, have never had to worry about my gender causing me to be looked at differently, have a good job(for now), have access to clean water, don't live in a food desert, and save for the fact that I understood discrimination at a very young age thanks to my last name, I know that I have lived a mostly privileged life.

But there is one privilege I will never take for granted, and that's voting. And yes, I don't always vote my conscience because at heart, I am a democratic Socialist. But I always vote in my local and state house election because it is in places like your local school board or your city council where you can stop the spread of groups like 'Moms for Liberty' or any of the other neo-fascist organizations that seek to change education or change for the worse how cities deal with their population experiencing homelessness. If I stay home from these elections, I feel like I'm spitting on my great grandmother's grave(whose name I found on the voting roll of the first year that women could vote in Basin, Montana). I feel like I'm not being a good parent or a community member for sticking up for my sons right(or other kids rights) to read books in the school library that have a rainbow(let alone letting kids see representation for non-traditional families that are just the same as everybody else!). So please, if you're feeling crappy about the election, this right here is the biggest way to affect change if you don't know where to start or affirm.there is something you can do to really make a difference. Don't see enough representation of POC on your city council, especially in multi-ethnic communities? Hear a trans voice that would make for a great representative for all people? Fill in those boxes, act locally, and get those folks elected! It works if you work it!

I hear a lot of voices talking about Joe Biden these days, and I feel numb and angry about a lot of things that have been done in our names too: I hate HATE what is happening in Gaza(PBUT); I hate our support of Saudi Arabia and the proxy war in Yemen; Our jaunts in Zaire and Jordan; I hate that we are no closer to universal Healthcare, but I understand that that road and others lead through a Republican congress. I love that child poverty is declining, but programmes that were designed to make this a reality are sunsetting. We have a barbaric and truly archaic policy on immigration, and every time(that's not hyperbole, either), every goddamn time a good bill has been proposed to deal with the issue, the bill has been met by the xenophobic forces on the right and their deep pockets fueling the media and it is destroyed out of fear. And let's not forget student debt forgiveness, the continued dismantling of public education by states like Texas and Florida, Our goal of dismantling of the prison industrial complex, the protection of reproductive healthcare, and the dire need for nationwide police reform.

Yes, our laundry list is long, but it is full of necessary things that need to change or be codified in order for a great change to happen for generations and the continuatonof this great experiment called the U.S.A.

And for all of this and more, I ask: where are the leaders of our generation on this? Where are the ghosts of John Lewis, of Paul Wellstone, and of Shirley Chisholm? Thankfully, our leaders and the ghostsbof their forebearers are there- they are doing their best, and thankfully we(those of us on the progressive side) are represented by POC women who will go to the mat for these issues and more, being inspired by those who came before them. But the more that I think about it, it's time that we offer an ultimatum: we'll give you our voting block, Joe. We'll help bring along the majority of the 9 million new voters who are coming of age this year, so you will have a supermajority with which you can put forth truly transformative legislation. Sure, you'll get us- for now. But if it's businesses as usual, if we are not knocking over the tables of the money changers, and if we are not investing more in programmes of social uplift than we are for the military industrial complex, then we strike. Not in 2028, as one of my absolute favourite people on here suggest, but in 2026, in early summer. Because it is people like me, those of us who have know privilege and continue to know it, who are finally waking up to the truth that we need to do the work. We need to do the heavy lifting. I'm willing to make that offer, and I hope I'm not alone, because there either needs to be a change in the way our political system operates, or we walk away and start our own political entity. I hope I'm not alone in the way I feel, and I hope that we can all make the proposition. We have the leaders, we have the people, now it's about courage. It's time.

But for today, if you can pull the lever for democrats nationally, I totally get it. But consider what I said about voting locally, and in local races and elect people who represent your values. It matters.

- ok, rant over: if you made it this far, know that I love you all and I hope this week brings good things for you. Remember what Pete Seeger always said: "Take it easy, but take it". Much love yall!

[todaysdocument]

"A Chicken in Every Pot" political ad and rebuttal article in New York Times

Collection HH-HOOVH: Herbert Hoover PapersSeries: Herbert Hoover Papers: Clippings File

This is the advertisement that caused Herbert Hoover's opponents to state that he had promised voters a chicken in every pot and two cars in every garage during the campaign of 1928. During the campaign of 1932, Democrats sought to embarrass the President by recalling his alleged statement. According to an article in the New York Times (10/30/32), Hoover did not make such a statement. The report was based on this ad placed by a local committee -- which only mentions one car!

A Chicken for Every Pot [handwritten] World[?] 30 October 1928 [/handwritten] The Republican Party isn't a [italics] "Poor Man's Party:" [/italics] Republican prosperity has erased that degrading phrase from our political vocabulary. The Republican Party is [italics] equality's [/italics] party -- [italics] opportunity's [/italics] party -- [italics] democracy's [/italics] party, the party of [italics] national [/italics] development, not [italics] sectional [/italics] interests-- the [italics] impartial [/italics] servant of every State and condition in the Union. Under higher tariff and lower taxation, America has stabilized output, employment and dividend rates. Republican efficiency has filled the workingman's dinner pail -- and his gasoline tank [italics] besides [/italics] -- made telephone, radio and sanitary plumbing [italics] standard [/italics] household equipment. And placed the whole nation in the [italics] silk stocking class. [/italics] During eight years of Republican management, we have built more and better homes, erected more skyscrapers, passed more benefactory laws, and more laws to regulate and purify immigration, inaugurated more conservation measures, more measures to standardize and increase production, expand export markets, and reduce industrial and human junk piles, than in any previous quarter century. Republican prosperity is written on [italics] fuller [/italics] wage envelops, written in factory chimney smoke, written on the walls of new construction, written in savings bank books, written in mercantile balances, and written in the peak value of stocks and bonds. Republican prosperity has [italics] reduced [/italics] hours and [italics] increased [/italics] earning capacity, silenced [italics] discontent, [/italics] put the proverbial "chicken in every pot." And a car in every backyard, to boot. It has[italics] raised [/italics] living standards and [italics] lowered [/italics] living costs. It has restored financial confidence and enthusiasm, changed [italics] credit [/italics] from a [italics] rich [/italics] man's privilege to a [italics] common [/italics] utility, [italics] generalized[/italics] the use of time-saving devices and released women from the thrall of [italics] domestic drudgery. [/italics] It has provided every county in the country with its concrete road and knitted the highways of the nation into a [italics] unified [/italics] traffic system. Thanks to Republican administration, farmer, dairyman and merchant can make deliveries in [italics] less [/italics] time and at [italics] less [/italics] expense, can borrow [italics] cheap [/italics] money to refund exorbitant mortgages, and stock their pastures, ranges and shelves. Democratic management [italics] impoverished [/italics] and [italics] demoralized [/italics] the [italics] railroads,[/italics] led packing plants and tire factories into [italics] receivership, [/italics] squandered billions on [italics] impractical [/italics] programs. Democratic maladministration issued [italics] further [/italics] billions of mere "scraps of paper," then encouraged foreign debtors to believe that their loans would never be called, and bequeathed to the Republican Party the job of [italics] mopping up the mess. [/italics] Republican administration has [italics] restored [/italics] to the railroads solvency, efficiency and par securities. It has brought rubber trades through panic and chaos, brought down the prices of crude rubber by smashing [italics] monopolistic rings,[/italics] put the tanner's books in the [italics] black [/italics] and secured from the European powers formal acknowledgment of their obligations. The Republican Party rests its case on a record of stewardship and performance. [full transcription at link]

[theres-whump-in-that-nebula]

Well, uh, I don’t fucking need four credit cards because I was raised to buy within my means; and I hate the fact that I essentially have to take out small loans every month (that I don’t even need to make) on purchases in order to rent an apartment or buy a car because credit score is bullshit and used to oppress the poor. Please just let me pay for everything now. I want it over with and I don’t give two fucks about your rewards. My “credit reward” would be not having to take time out of one day per month to pay a stupid credit card bill that I could have paid for upon purchasing each item. It’s bullshit. It’s useful for some people but it should not be necessary.

[agentcable]

Squid Game Season 1 Ep. 1 "Red Light, Green Light"

Gi-Hun is desperate for money. He agrees to take part in a strange game. But soon after the first round, strange and scary things start to happen.

If you want to watch the series for yourself, stop reading! This post contains spoilers to the storyline.

The series starts with a look back at Seong Gi-hun's childhood, when he would play a game called "Squid Game". He remembers playing games like this as a child with his friend Cho Sang-woo. It was a time of happiness and innocence, with no worries.

Now, Gi-hun is poor and divorced. He works as a chauffeur. He is in debt because he lost his stable job at a car manufacturing plan, a business venture he started, and he is addicted to gambling. He lives with his elderly mother, who gives him money to get his daughter, Seong Ga-yeong, dinner and a present for her birthday. After she leaves for her job, he looks for her credit card, which she has hidden. He steals her money and gambles on horse races with a friend. After winning 4,500,000 Won, he calls his daughter to ask what she wants for her birthday. Unfortunately, he is seen by a group of loan sharks, who chase him. A pickpocket steals his new money. The loan sharks threaten to take his organs if he doesn't pay them back by the next month and make him sign a contract with his own blood. Gi-hun then takes his daughter out for food with the little money he has left. He buys his daughter a basic birthday dinner of street food and a toy gun from a claw machine. Gi-hun feels disappointed that he can't give her as much as her stepfather, even though she says she prefers the street food over the fancy steak dinner her stepfather treated her to.

At the train station, a salesman approaches Gi-hun and invites him to play a game of ddakji. In this game, if someone loses, they have to give the other person 100,00 Won. But Gi-hun doesn't have that much money, so the salesman slaps him when he loses. Determined to win, Gin-hun keeps trying, and keeps getting slapped until he finally wins. The salesman gives him the money and a strange business card with a phone number on it. He tells Gi-hun to call the number if he wants to play other games for bigger prizes.

Gi-hun is so excited that he goes home and shows his mother the money. She asks how he got the money, and he doesn't give a clear answer. His mother warns him that unless he can show that he can support his daughter financially, her stepfather will move her to the United States. She is worried that if Ga-yeong moves, she might lose her connection to her Korean roots. He desperately wants to keep his daughter, so he calls the number on the business card. He is instructed to go to a secret address and give a password to a person in the car. He enters the car and is knocked out by sleeping gas.

Gi-hun is taken to the games arena and wakes up in a room with 455 other people. There, he meets Oh Il-nam (Player 001), an old man who tells him that he has dementia and a growing brain tumor.

Gi-hun recognizes Kang Sae-byeok (Player 067) as the pickpocket who stole his money. Jang Deok-su (Player 101), a cruel gangster, is attacking her. Jang Deok-su stops the fight when Gi-hun steps in to help.

The guards enter the room and welcome the players. They explain that the players will play six games over six days. The winner will win a lot of money. Some players are shocked by this. The guard says that he knows the players are in debt and need the money the games offer to have a better life. They lead all the players through multiple staircases to the room for the first game, Red Ligh, Green Light.

The game starts in a room with trees and a large doll, and a finish line. At the starting line, a voice announces the rules of the game: players can move when the doll sings "the hibiscus flower is in bloom," but must stop when it finishes the singing. If they move before or after it sings, or if they don't make it to the finish line in five minutes, they'll be out of the game.

When the game starts, players 324 and 250 run quickly because they want to win first. Player 324 accidentally moves when the doll is quiet.

This causes him to be eliminated as a bang is heard when he falls to the floor. Player 250 checks on him and sees 324 dying and coughing up blood, which makes 250 run away and get shot as well. When his blood lands on Player 306's face, she screams in horror and is then killed for moving. This causes a lot of players to try to run away in panic, as they now understand what "elimination" truly means. Only a few players survive because they stay in place. Eventually, everyone is either still or dead. The voice reminds everyone of the rules of the game.

The game resumes, but every player is too scared to move forward, except for Il-nam, Player 001, who is enjoying himself despite the chaos. As a result, other players start to follow his example, and those who are careless get eliminated. Meanwhile, Gi-hun is still lying on the ground, frozen in fear, with a dead body lying on top of him. Player 218, Cho Sang-woo, Gi-hun's childhood best friend, finds him and warns him that the timer is running out and that he needs to get up soon. He tells Gi-hun to hide behind other players because the doll is a motion sensor and won't detect him if he is behind someone else. After Sang-woo's advice, Gi-hun finally gets up and resumes the game.

Sae-byeok slowly moves behind Deok-su and says she will kill him to get revenge by pushing him. He says that the doll will catch him if Sae-byeok pushes him. He begs for mercy as she taunts him, but she pulls him to the ground while the doll is looking the other way and overtakes him.

Gi-hun follows Sang-woo's advice to hide behind another player, but his target is shot. A hurt player, Oh Yeong-uk (Player 118), grabs his leg and begs for help, which prevents him from making any progress on the next two "green lights." Gi-hun runs out of time, and Yeong-uk is shot, this time fatally.

During the game, a man with a black mask is watching on TV screens in a room. He was the one who ordered when the timer started. Now, he listens to the song "Fly Me to the Moon" while drinking expensive liquor as he watches the other players try to win the game.

Eventually, some players reach the finish line, including Sae-byeok, Deok-su, Sang-woo, and Il-nam. Gi-hun almost makes it to the finish line when he trips over the body of another player and is almost seen by the doll, but he is saved when Player 199, Ali Abdul, catches him before he falls and lands on the ground. The two make it to the end just as the timer ends, and the rest of the players who did not finish the game within the time limit (including Player 309) are eliminated. The roof of the game room closes as it is revealed that they are on a secluded island.

[lunarsilkscreen]

Donation Math

This is intended to be an analysis of what it's like to be poor, needy, or a social worker, and any number of people dedicated to helping our people in difficult situations.

This is not an admonishment; it's an analysis.

What does the world look like in this lens?

There is free food everywhere; over-processed food; near or past its expiration date. Plenty for the needy.

We talk often of what it might mean to be overweight in poverty while not observing that our donations to the needy are things like Progresso Soup, Un-Diet-Sodas, and an endless buffet carbs.

The things people help our food and farming industry with by purchasing them at the end of their shelf life and throwing it in the donation box.

So we have a system of free food and endless donations that aren't very nutritious. When first starting out in the world; this is where we expect our needy to be. Paying zero$ for dono'd unhealthy snacks, while expecting them to be able to pay for Rent, A Car, Utilities, and if they're lucky; they can work as a restaurant server where they *might* be able to get a salad in.

Most housing programs last about a year; and if you include about six months of maximum homeless shelter stay... That gives about a year and a half to Get a job that pays a liveable wage.

But whose hiring you if you don't have reliable transportation or even a home address?

So if you're lucky enough to scrap enough together to buy a junk car; you have only about a year to pull yourself out of poverty.

Remeber; most of these people don't have anybody willing to cosign a loan. So they have zero credit. And they can't build credit without worsening their situation.

They have no references, they often have no friends or family..and they're wary of the other people in the shelter because *they* might be drug addled fools.

After-all; they're in a homeless shelter if their own volition.

So they have to either get fat or starve themselves of essential nutrients; either way they're already set up for failure. Their diets are shit for years and years and years after no matter which they chose.

Unless they qualify for foodstamps that affordable them ability to get a nutritious diet.

Which they have to learn about and develop for themselves while also trying to get a good job.

They can't get a Job that requires them to relocate; because they can't even afford to relocate. Unless they're lucky enough to find a Job from a company that can afford to relocate them and a place to live.

And our helpers are trapped in a position of trying to figure out the most deserving, while most certainly sentencing some people to die out in the cold on the streets.

All the while; the programs that are supposed to be helping people routinely deny things or severely limit them; like EBT, Social Security, Disability.

And the people trying to make a living in Real Estate, while routinely pricing these people out of the market; are simply keeping them in the shelters or on the streets.

"Fair Market Value" for rent in an area with 7.50$ minimum wage is 800$.

That's 107 hours you need to work in order to afford the basest of rents.

If you're doing the math, that's 3 weeks without overtime.

This is why people are asking for a minimum wage increase; but we already know that raising that minimum wage will *further* price people out of their own homes and neighborhoods.

Meanwhile; Housing programs do not include relocation to cheaper areas or states. They only work locally.

We're already at a point that people need to work nearly a month straight to afford rent; all the while Jobs are being selective in their hires--to people who have homes and vehicles.

And nobody can afford to import talent from other states.

Which is why there's such a Fervor about "College Educated Immigrants". They wonder "why can we afford them when we can't afford *us*?"

Usually because College Educated Immigrants come with their own stipends. At least the ones that companies want to hire anyway.

And all the while; even the shitiest most cheaply made food is inflating in price. Slowly affecting all American's pocket books.

And yet we still buy those to donate them in insane amounts to people who really need a better diet.

We see that we need to be giving to people in need today; but we're focused solely on food. Not in Housing Services, or Car Repair Services, or anything that could help people actually get on their feet.

And at the same time...we Fund Prisons that are used to house them instead. Those who are simply imprisoned for being too poor to afford to follow the rules.

These seem to be the exact same circumstances that got Marie Antoinette decapitated ... There's plenty of snack cakes; but not much else.

[bipolar-boygirl]

Not to be a Salty American (though as the great Hannah Gatsby once said, making fun of Americans is still technically punching up,but that window is closing), but I've been thinking a lot about a specific video from a Nigerian creator I follow whose platform is about showing that africa as a whole isn't poor and a lot of the things the west sees as signifiers of poverty are culturally preferred methods and items. Her videos are very lighthearted and funny normally, but I saw one recently about how Africans (her words) don't pay for things with credit, and that we (Americans and I'm assuming the west in general) can't live without credit, our whole system is based on credit. And she's right, but it was treated as some sort of Gotcha moment, and not the horrifying mechanic of capitalism that it is

I was lying in bed this morning after having a nightmare that I lost a part of my arm and couldn't afford the surgery, the whole dream was me trying to find ways to make the surgery cheaper, to find loopholes in my insurance, stressing about missing work, and it ended with me sobbing because I finally had enough money for the surgery but it would wipe out every cent I had, and I would be left with nothing while recovering and unable to work. This was something my subconscious mind conjured because I'm dealing with a much less life threatening equivalent of needing to get my wisdom teeth removed and not being able to afford it (though the longer I go without it the more likely I am to get an infection and if that gets into my blood or my brain I'm fucked, I'm catastrophizing here, but it's a very real fear I'm dealing with).

My options for getting my wisdom teeth removed are: to continue to try to save up the money regularly, which is a very slow going process and at my current rate of saving I could break even on the surgery in about 4 months, but much like my dream it would take every dollar I have, so that's not actually true, is it? It would take me much longer to save up enough to not go broke, so realistically at my current rate I'm still probably over a year away.

Or: sign up for something like care credit, which is basically a loan specifically for medical costs. It's even interest free! Unless of course you're unable to pay back the full loan in the agreed upon time frame and then you owe a predatory interest rate on the entire amount they loaned you, regardless of how much you have left to pay off. If I had a better credit score, I might be able to put it at least partially on a credit card which would have an interest rate from the start but a lower one. But I don't have a credit card because I was forced into a position where I HAD to get a car with a car note and due to my non-existent credit score at the time I had to settle with a 20-something % interest rate and now have a $450 car note a month for like 6 years. Most starter credit cards require a cash deposit and between all my bills (aside from rent, my car note is the most expensive which is why I brought it up) and trying to save up the old fashioned way I just really don't have the money to spare to get a credit card. I could probably get one without a cash deposit, but then we run into the issue of the predatory interest rates again

Or: I could set up a gofundme, which is a whole other can of worms and with everything else happening in the world, with all of the fleeing families, and the abuse victims, and people with actual life threatening medical needs on there, my silly little wisdom teeth don't seem all that important.

So yeah, Americans can't live without credit, but it's not something we chose. It's just another tool capitalism uses to drain every last penny they can from people after inventing credit scores (didn't exist til the 80's) and making everything so fucking expensive you can't even afford it with insurance (yeah that amount I'm saving towards? That's my cost WITH insurance), so you have no choice BUT to pay for things on credit

I know it's fun to make fun of Americans guys, I used to do it all the time myself. But, just, we aren't doing so hot.

[stephistopheles]

How is it that I work in healthcare, yet can't afford my own health care?

How is it that I have a 401k, yet can't borrow money from myself to repay to myself?

How is it that a bank can lose an instant transfer, and refuse all accountability, including replacing the money that never reached where it was supposed to go?

How is it that 1/4 of my paycheck goes to health insurance that doesn't cover any of my day to day medical expenses?

How is it that in spite of my health issues making it difficult to function at even a minimal level, I continue to work full time, yet I'm perpetually cash poor, no matter how carefully I spend my money?

The answer is relatively simple... I was born into a low-income family, and the cycle of poverty is alive and thriving.

In spite of the fact that I had finally gotten to a point of relative financial security, garnishment by a loan shark dragged me back into the red, and has kept me there.

I'm unable to get any sort of personal loan because my credit is terrible - because when I was a young adult who had lived a life with very little material comfort, credit card companies swooped in and promised me things that I couldn't afford, and I was too young and stupid to think to say no.

Our country is very much invested in the concept of "the rich get richer as the poor get poorer." Those with money can get financed with lower rates, buy more reliable cars and afford repairs, buy newer homes, etc., while those without money are charged exorbitant amounts for any type of credit, when they can get it at all. And that's not even getting into the cost and availability of healthcare, preventative care, etc.

Our system is absolutely fucked, y'all. "If there is hope, it lies within the proles," yet we are beaten down and down and down to the point of despair. No matter how hard we try to claw our way out, some fucker in a suit is waiting to kick us back down, while saying "You just aren't working hard enough."

This is some legitimate fuckery, and why I'm a socialist. Capitalism only works for the people who were born ahead to begin with; the rest of us are merely expendable cogs in the machine that keep this shit going so that the people with money can continue to enjoy the spoils of a system carried on the backs of the multitudes of people that it turns around and shits on.

There's no freedom in this - not for most of us.

[cheeky-cheerios]

I Feel Like I Have Been Depressed Since I Was 7

I just remembered a few years ago, that I used take a dull knife and press it against my chest when I was around 7 years old. I did that multiple times. I remember questioning why was I even born.

I grew up with my grandma because my mum has to work for me, my sister, my granddparents and her sister (my aunt) who is only 5 years older than me, my aunt was also still studying at that time. My mum supported all of us. My father had another family, so since I was a baby my mum had to work in the city, which was 2 hours from home. She stayed in the city during the weekdays and only went home on the weekends since we didn't have a car (we couldn't afford to buy one) and public transport wasn't reliable.

I grew up poor but I knew my mum was doing her best and was working very hard. There were times when we had to loan canned goods from the small store near our house. I felt embarassed to ask the store owner to loan us more food at times when our credit became too big, but had no choice because we didn't have anything to eat for dinner. Despite those hard times, my mum tried her best to celebrate our birthdays. She bought us cakes and cooked our favourite dishes. She also tried her best to be close to me and my sisters, and we still are close to her to this day.

My grandpa and grandma were strict, but I understand why. My mum entrusted me and my sister to their care. My grandpa had a terrible temper but he was quite funny when he was in the mood. My grandma on the other hand, is a strong willed woman and a hardworker. She was a seamstress so she used go to her cousin who ran a business sewing curtains. My sister and I will tag along with her when she delivered the curtains. She helped my mum to provide for our family.

When I started high school, my mum decided to work overseas. She wanted me and my sister to go to a good school. I felt lost when she was away. I went through puberty without a lot of guidance. I guess, I went through childhood thinking that I didn't have anyone to rely on. The adults in my life were busy trying to make ends meet. I couldn't say this to my mum because I don't want to hurt her afterall the sacrifices she has done for us. I have always felt alone but had always wore a mask in front of my family. I was always the cheerful one. I didn't want my sister to feel how lonely and hard life was for me. I wanted her to have a better perspective in life, although now I know that I had little power to change how she would've perceived life.

All I wanted to say is I never felt not sad in my life. There happy moments for sure, but the bigger picture is always the same. I feel lonely and wants life to stop because I am tired. Now as an adult, I always fee like I have to push myself to get the smallest / simplest things done, even the things that I used to enjoy doing which felt natural for me to do ended up feeling like impossible to do. I am so tired.

[paydayquid]

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