#being in debt

[bitchesgetriches]

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

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

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

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

How to Pay Hospital Bills When You’re Flat Broke 

If you found this helpful, consider joining our Patreon.

[masonpowellposts]

The 'Credit Score'

I only recently got inundated with credit scores, though I had avoided them for years. Just another manipulation of the credit industry.

But then I actually saw credit scores: and I was incredibly horrified that Americans have been trained to believe they are something positive.

What a credit score measures is How Much In Debt You Are.

If you pay off your credit, and stop owing interest, your credit score goes down.

Its not a good or positive thing at all. The higher your credit score, the worse off you are!

[inkskinned]

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

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

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

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

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

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

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

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

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

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

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

[bet-on-me-13]

Bruce Wayne was never Batman.

So! The night that Bruce Wayne's parents got shot, he developed an Unbreakable Resolve. He needed to get rid of the Crime that had taken his Parents away from him, no matter what.

But that night, he also developed a deep-seated fear of Death. He was face to face with his own Demise and instead of dying himself he saw his Parents die instead. He was Terrified of ending up like them.

But he still needed to stop Crime. He couldn't just let criminals go unpunished, and while he was still using his wealth to try and prevent it before it began, he knew there needed to be something to stop crime After it had been committed. And the Cops were useless on that Front.

He eventually found a solution while looking through his Parents Family Heirlooms.

Ancient Books dating back to the founding of Gotham and even before then, telling of a Creature from another world who his Ancestors had helped in the Past. A Being of Fear and Shadow, who owed a debt to the Wayne Family. He needed that Being. A Monster of Shadows and Fear was exactly the answer to scaring criminals away from committing crimes and punishing those who did.

But he needed to find the Being from another world first.

So he left home, traveling across the Globe training with the best Magicians and Demonologists in the world in search of the Monster who owed his Family a Debt. His travels took him far, from the streets of LA where he met a man named Zatara, to the Snowy Mountains of Nanda Parbat where he learned of the Lazarus Pits and the Demon's that came out of them.

While studying the Lazarus Pits, he was trained by the organization who guarded them. They despised Weakness, and while their leader was in awe of his Intelect he was less impressed by his body's conditioning. If he was to study the Lazarus Pits, he would first have to earn the Right in Combat.

He eventually managed to pass their Tests and eventually left them, having handed over a Copy of his research as the price for being allowed to Study the Pits.

Years later, he finally returned to Gotham, fully equipped to Summon the Being that owed him a Debt.

Bruce drew up the Summoning Circle as perfectly as he possibly could, he had one shot at it.

A drop of his blood and a splash of Lazarus Water later, and the Circle began to glow an ominous Green. Slowing, a shifting shadow began to emerge from the Circle, at first only a mass of writhing darkness before their form Solidified.

The Books he had found on the Spirit said that it would take the form of the Summoners Greatest Fear, which just so happened to be Bats for Bruce. The Form that the Spirit chose reflected that, with large Dark Wings falling over their form as if they were a Cape, and horns looking like the Ears of a Bat. From the Darkness, two glowing eyes appeared.

"Spirit, hear me. My name if Bruce Wayne, and I am calling in the Debt owed to my Family centuries ago. My City is plagued with crime and malice, rotting from its Core. My efforts to prevent Crime from the side of the Light have been in vain, Crime persists despite my efforts. In order for my vision to be fulfilled, the Criminals of this City must have their hearts pierced by Fear. Fear of Retribution. Fear of Consequences. Fear of Vengeance."

Thoughout bis Speech, the Shadowed Figure stayed silent.

"That is why I have called you here. I want you to stalk these streets, punish the criminals of this City and strike fear into their hearts from the shadows, so that they know to stay in the light. I don't want you to Kill them, never kill them. Let them live with that fear in their Hearts until their final days."

After he finished his speech, the Figure finally spoke.

"Your Quest is an Honorable one. You seek the betterment of your people's, and are unafraid to resort to drastic measures to achieve that goal. It reminds me of my Liege's resolve." It Spoke, it's voice low and rumbling. "Very Well. From this day forth, I shall protect your City from the Darkness in its own Heart. I shall be your Dark Knight."

...

Had this idea out of nowhere and needed to write it down. In this AU, Bruce still wants to protect his City from crime, but is understandably traumatized from seeing the Deaths of his Parents. He has a deep-seated fear of Dying, so he chooses to forgo fighting crime himself.

Instead, he finds out about a Spirit that his Ancestors helped long ago, and decides that the most logical next step out be to Summon a Demon to protect his City. Instead of training his Body for a decade to become Batman, he trains his Mind and Studies as much about Magic and Demon's as Possible.

He still knows how to fight because he trained with the League. He approached them with an offer to study the Lazarus Pits and give them his findings, and they accepted. But Ra's didn't want a weakling on his Base so he also required Bruce to train his body. He saw his potential for combat, and was so disappointed that Bruce had chosen a different path. He could have been Great!

Bruce still has a thing with Talia that produces Damian, he is still a point of interest from Ra's since he is insanely smart and has huge potential, and he knows how to fight pretty well. Albeit not as well as in Canon.

Bruce becomes the Benefactor/Guy in the Chair for Fright Knight (who is the one he summoned if you couldn't tell), who looks like a "Bat Man" because of Bruce's fear of Bats. Fright Knight agreed to this because 1.) He had a debt to pay, 2.) Bruce reminded him of Danny, and 3.) He respected Bruce's ballsyness to Summon a demon and command it to protect people.

Bruce still adopts his Kids, but there are some changes.

Dick is adamant about fighting Crime, and eventually Bruce is forced to let him go on patrol with Fright Knight, who has started going by Batman. Thankfully Frighty managed to give him some blessings so he had minor powers and would be safer.

Jason is mostly the same, and he is so excited that Robin actually IS Magical. When he dies, Fright Knight, who had gotten attached to their Family, goes into the Zone to search for him. He is unsuccessful unfortunately.

Tim is kind of funny. He figured out that Dick was Robin, and Jason was the 2nd Robi , but assumed that Bruce was Batman. When he approached Bruce about becoming Robin so he would stop going down his violent Cycle, Bruce Redirected him to talk to Fright Knight, who was not taking his failure to find Jason well.

Damien grew up knowing that his Father was a Genius, and the Master of the Batman, which gave him a bit of an Ego. At first he thought of Fright Knight as a Servant, and tried to command him like he did with Alfred. Frighty corrected him quickly enough.

Any more ideas for this AU? I have so many, but I think I need to stop for now.

[pinkhairswagtourney]

help a disabled nonbinary lesbian get their life back together

hi everyone. i'm shroom and you've probably seen my posts before. my life is still a shitshow and nothing is coming together like it should. can't find a job, can't save up for a car, can't save up to escape this abusive household. bare necessities like food and medication and doctor's appointments take every last cent that i have. i'm also dealing with c0vid right now and it's kicking my ass completely; i've spent the better part of the last two weeks laying in my bed. i can't even complete commissions my energy is so low.

please help me. i'm hungry, and i'm tired, and i can't do this on my own. i don't have IRLs to help me like most people do. please send a few dollars my way or spread this post or commission me, anything so that i can move forward instead of sitting still and rotting away

commissions post p-yp-l c-sh-pp k-fi

[shokujin-art]

So... I started a side run with a new PC to add a top / defiant to the family ✨

Barely 40 days in, beating whitney's ass to save him from dismissal and kicked away 3 people at the same time to save Robin. I can sense Lyra judging him from her save slots 😂

[qifreyplushie]

Hear me out- Imagine hualian just being hualian, but with He Xuan secretly fangirling in the background. Maybe, despite all of his cold words and lack of care for what's going on in Hua Cheng's life, He Xuan is actually hualian fan number one. I think there's a lot of untapped potential there. Like, ghost guys forced together for centuries, with He Xuan forced to listen to Hua Cheng's constant reverence about Xie Lian, I like to think that fish man would actually become quite invested in the relationship. (Sorry, I needed someone to see my vision and it just hit me while I was scrolling through your blog, so you get it handed to you like I'm a cat dropping a dead mouse at your feet)

not a day of peace for black water sinking ships

[loktauri]

Tma au where nothing is wrong ever and Jon gets to pet as many cats as he likes

[very-poorly-drawn-tgcf]

Episode 1: Back to Heaven now, by accident

Bonus under the cut! (Warning tgcf spoilers but then again Why Are You Here If You Haven't Finished TGCF Yet Off With Ye)

[ave-immaculata]

I obviously am a big fan of forgiveness meaning loving the person, i.e. willing their good, but I'm slowly becoming more and more obsessed with it in a very Our Father sense, i.e. releasing them from the debt they owe you.

Release them from the debt of an apology they owe you.

Release them from the debt of understanding and acknowledging that they hurt you.

Release them from the debt that they owe you recompense.

And saying it, out loud, in the name of Jesus.

[sergle]

yall are about to piss me off by not having any PASSING basic knowledge of the way the u.s. military manipulates its recruits into joining by typing up one of your uninformed, unresearched, unempathetic, individualistic, unbelievably annoying posts about how 100% of the people in the military ended up there because they just Love America So Damn Much! they're extremely mature and informed at time of recruitment, they can totally leave anytime they want, they totally had tons of other avenues in life they could've taken, there was no rush at all to get income as fast as possible, and everyone in the military also totally is part of the combat divisions and personally enjoys being IN the military very much, big believers of violence. everyone in the military is shooting guns all day, that's how that works. they LOVE BLOODSHED. also I love the "amewicans haha" twang to this type of shit because you're actually TOTALLY stealing our Thing, which is turning systemic issues into Individual Issues. Instead of talking about the powers that be, it's so Personal Choice up in here. It's, "well you shouldn't have done it then. I totally wouldn't because I know better." you don't wanna talk about the military industrial complex as a whole, and you don't want to talk about recruiters, you just want to pin the blame on Specific Individual People one-by-one, as if they're responsible for the system that they're being ground up in. someone was in the military? bad person, no matter what. it's easier to believe that, I guess, than to acknowledge that Normal People (with high school educations) are manipulated and incentivized into joining a system that is Bad. at like age 18. but yeah no that 18 year old should have just been smarter lol haha anyway here are some screenshots for no particular reason

side note this reply of someone going "umm just get loans and go into a high paying field it's easy XD" as a direct response to someone trying to explain how most americans joining the military are being funneled in that direction out of a need for money.

and another person who Decided that americans join the military just CLENCHING their teeth thinking of other people, and not thinking completely selfishly about their own selves and their own income/housing/healthcare.

[starry-bi-sky]

changeling danny has his wretched little claws in me so here's some AU fey lore

Okay so, i've got a lot of ideas for the Fey Lore in this au. But to start out what may become a sling of posts: a simplified set up of the Infinite Realms. I think I mentioned it before in a reblog of the original changeling danny post, but the fey wilds exist in the IR. In most fanon I see the same scale as the rest of the realms, however i have a different idea for it.

In simplified terms, the fey wilds and the ghost zone are two different things. They both exist in the Infinite Realms, however, they exist on different planes of existence. In simplified terms, there are three separate planes in the Infinite Realms.

The Long Far: Highest realm in the infinite realms. Home to most, if not all, the Ancients. Beings that reside in The Long Far are eldritch abominations, gods, personifications of concepts, and other celestial-type beings. The only way to access the Long Far is through the Starflare Currents in the Feywilds. Which are a nebula of stars that work similar to the ocean currents in Finding Nemo. They are a rapid vortex full of stars that pass over the feywilds that can be seen at night. In order to reach the Long Far, one must fly up to the Current and latch onto one of the stars rapidly flying past. And then they must stay on the star until the currents begin to ascend rapidly upwards. This is harder than it sounds. Ever been indoor surfing? Where you lie on your stomach on a small board and try not to get flung off? Exact same concept. It’s basically the world’s most terrifying escalator to the gods.

The Fey Wilds: The Fey Wilds isn't exactly strictly home to the Fey, however for convenience sake I'm calling it the Fey Wilds. This is the home to fey and other folklore and mythological creatures that may not want to reside in the Ghost Zone. There are no Fey in the GZ. It's not that they hate being down there, but. well.. they hate being down there. They think the place is ugly. The Fey Wilds has ever shifting, expanding amount of biomes. These biomes range from massive redwood forests, to swamps, to essentially Pandora from Avatar. The place can look almost entirely human one moment, and then like a different planet the next. Fey and other inhabitants know how to navigate this easily -- but ghosts? Not so much. There are currently two known ways to reach the Fey Wilds from the Ghost Zone and vice versa: Lake Portals, and Cave Tunnels. Which I will expand upon in a moment.

Ghost Zone: Exactly how it sounds! The Ghost Zone is, well, the ghost zone! It's essentially the same as canon. Same looks, same everything. This is the home of mortal souls and the occasional mythological creature or two, as well as weaker concept spirits. By that I mean like, ecto-octopi. Concept spirits can manifest in both the GZ and Feywilds. Ghosts tend to stick inside the Ghost Zone and avoid venturing into the Fey Wilds because, well, they're still mortal souls. They're gonna get jumped by a fey looking for a new decoration or a new pet/servant/whatever. Best to honestly avoid the fey wilds as a whole.

Now, I just mentioned that there were two known ways to reach the Fey Wilds from the Ghost Zone: lake portals and cave tunnels. I made goofy little visual aides which I will attach below, and then I will explain how they work.

I'll start with the Lake Portals. They are, well, as the name suggests lake portals. Not every lake in the fey wild is a portal to the ghost zone, and vice versa. They're rather uncommon to find in both planes, but it's not like they're hard to recognize.

In the Fey Wilds, lake portals will have a sheen over the water like an oil spill. But instead of the regular rainbow-y colors, it will instead have the ghost zone's colors swirling in it; green and purple. The water will have that sickly green tint to it, and have a slight glow. The plant life surrounding the water are not typically what you'd find in the Fey Wilds, but might in the Ghost Zone. They look different from the regular noxious swamp bogs in the wilds, so its easy to tell that they're lake portals.

In the Ghost Zone, the lake portals will instead be shimmery and blue like a tropical ocean. And just like how there are GZ plants in the fey wilds surrounding the water, there's fey wild plants on the island where the lake is.

How these portals work is rather simple. You dive in and begin swimming down. It's a long swim down, but that's all you gotta do. It will get dark, as there are no plant life in these portals, and no aquatic life either.

It starts getting complicated when you reach what I like to call the border. The border is as the name implies; its a border between the planes. In the lakes it's not physical, however you will feel when you've reached the border and crossed it. Intense vertigo washes over you as your sense of gravity begins to shift and flip; up is becoming down, down is becoming up.

Your goal at this point is to try and push through that vertigo and discomfort and make it to the other side of the border, without getting flipped upside down and swimming back to the surface you came from. This is harder than it sounds as you become dizzy underwater, and since there's no light anywhere, you will try and instinctively seek it out and follow it. You're down too deep to know where that light is.

Once you've reached the other end of the border successfully, your gravity will have flipped without you needing to do anything. You are now swimming up to the surface, and once you do, boom! You're in the ghost zone! Lake Portals are faster to use than tunnels, but very disorientating.

Now cave tunnels are longer, but simpler. Essentially some caves have tunnels that lead into the ghost zone, similar to how in greek mythology there are random entrances to the underworld in the mortal world. I haven't exactly figured out what the tell is for when you're in a tunnel leading to the Ghost Zone, but I know that when it's the other way around it's rather easy -- as you start to climb up.

It's a less complicated explanation: essentially you are descending into the ghost zone through this tunnel. You are on your way down like Orpheus in search of his wife, or like Heracles doing his twelve labors. It can get claustrophobic and of course there is the border.

Unlike experiencing a shift in gravity, you're instead hit with the intense vertigo and an intrinsic fear to turn around. It's an instinctual response to your surroundings changing on a molecular level, and your body in response is telling you to Flee. Basically, you've taken a rip of the Cave Gasses and you feel like you're losing your mind. Once you exit the border its smooth sailing.

Sometimes you get unlucky and there's a Pit Drop and you're suddenly Alice in Wonderlanding your way down to the Ghost Zone. But hey! At least you're not swimming.

those are currently the only two ways i've come up with for traveling between the GZ and Fey Wilds. But all in all, it's meant to be very disorientating stuff; vertigo and nausea-inducing, with just a dash of Existentially Terrifying. Traveling between planes usually is.

[annemarieyeretzian]

something something dorian keeping orym close to his chest and orym keeping dorian at his side something something,,, you get it

[justanothersanjilover]

I feel like Zoro would have way too much fun, if he got turned into a woman 😂 Like come on!

He wants booze?

Zoro: “Sanji! Can I get some booze?”

Sanji: “No!”

Zoro: “Look over here” *lifts shirt and shows his boobs*

Sanji: *handing over booze* “Please…just…cover up…!”

He wants more food?

Zoro: “Cook! Give me more!”

Sanji: “You just ate a whole plate of…”

Zoro: *shows cleavage*

Sanji: “For the love of…fuck…here” *shoves a whole plate of food in his face*

He wants a snack?

Zoro: “Cook! Snacks!?”

Sanji: “Shut it, Marimo! I’m not falling for that again!”

Zoro: *bats his eye* “Pleeeeeease! Cook-san!”

Sanji: “Shit…” *gives him all the snacks he wants*

The snacks are too sweet?

Zoro: “Can you make some salty snacks? Or better with wine filling?”

Sanji: “I’m gonna fill you with wine!”

Zoro: “Promise?” *shy smile with red cheeks*

Sanji: “You…what…? Stop that!” *stands an hour in the kitchen to make some wine-filled dark chocolate pralines*

Zoro: *casually training on deck - shirtless like always*

Sanji: *walks by, realizes it, dies of bloodloss*

Sanji: *standing at the railing, watching the sea*

Zoro: Can I join? *stands beside him*

Sanji: What do you want this time? * purposefully not looking over*

Zoro: *standing on his tiptoes and pressing a kiss to Sanji’s cheek - breast pressing to his arm* “Sorry for annoying you, Curly.”

Sanji: “It's…it’s…it’s fine! Marimo…Just fine…”

😂😂

[maggot-baggage]

Methinks its time to move back home actually

[radlymona]

TRAs having no empathy yet again

Teenagers who are pushed towards transitioning aren’t “pushovers” they’re mentally and emotionally vulnerable young people who shouldn’t be allowed to make life-changing medical decisions. Acknowledging this fact isn’t stopping adults from transitioning. It just aims to stops other vulnerable teenagers from doing the same.