#cheapest personal loan

[tanya029]

Personal loans are popular in India because they offer quick funds without needing collateral. However, high interest rates and additional fees can make them costly. To find the cheapest personal loan in India, especially online, you’ll need to know how to secure favourable terms. Here’s a comprehensive guide to help you get the best deal.

1. Improve Your Credit Score

A strong credit score is your best asset when seeking a low-interest personal loan. Credit scores above 750 often qualify for lower rates since lenders view these borrowers as low-risk. To boost your score:

Pay all bills on time.

Lower any existing debts.

Limit new credit applications.

By maintaining good financial habits, you’ll improve your chances of obtaining a more affordable personal loan.

2. Compare Interest Rates from Various Lenders

Don’t settle for the first lender you come across. Instead, compare interest rates, processing fees, and other charges across multiple lenders. Use financial platforms that show detailed comparisons side-by-side for various banks, NBFCs, and digital lenders. This allows you to get a clear view of the Annual Percentage Rate (APR), which provides the total cost of the loan, including all fees.

3. Look for Flexible Tenure Options

While longer tenures may reduce monthly EMIs, they often result in higher total interest payments. Opting for a shorter tenure can make the loan cheaper overall. Many lenders allow borrowers to customize their repayment period, so choose a tenure that balances monthly affordability and total cost savings.

4. Explore Digital Lending Platforms

Many fintech companies and digital lenders in India offer competitive personal loan rates and an easy online application process. With lower operational costs, digital lenders can pass savings on to customers through lower interest rates and reduced fees. Additionally, these platforms often approve loans faster than traditional banks, making them ideal for urgent financing needs.

5. Use Pre-Approved Loan Offers

Many banks and financial institutions offer pre-approved loans to existing customers with good credit scores and strong account histories. These offers generally come with competitive rates, quick approvals, and minimal paperwork. By checking your bank's app or website, you can see if you’re eligible for any pre-approved offers that meet your financial needs.

6. Watch for Promotional Offers and Seasonal Discounts

Lenders often provide special rates and reduced fees during festive seasons or around major events. Diwali, New Year, and other holiday periods are especially popular times for such offers. Be on the lookout for these promotions on financial websites and lender platforms to find opportunities for savings.

7. Check for Hidden Fees and Charges

Interest rates are only part of the cost of a loan. Many lenders have additional fees such as processing charges, prepayment penalties, or late fees. Carefully review all terms and conditions to avoid being surprised by hidden charges. Ask the lender for a complete breakdown of fees and make sure you understand each charge before committing.

8. Apply for the Right Loan Amount

Applying for a higher loan amount than you need can lead to unnecessary costs. Calculate your financial needs accurately and apply only for the required amount. Borrowing more than you can afford to repay comfortably will increase the total interest you pay and may lead to financial strain.

9. Consider a Balance Transfer Option

If you already have a personal loan with a high interest rate, consider a balance transfer to another lender offering a lower rate. Many banks offer balance transfer facilities with promotional interest rates to attract new customers. Make sure the savings from the lower interest rate outweigh any transfer fees, and remember that balance transfers can be a useful tool to reduce your total loan cost.

10. Avoid Delays in Repayment

Timely EMI payments are essential to avoid late fees and penalties, which can increase the overall cost of the loan. Additionally, missed payments can harm your credit score, making it harder to secure favorable loan terms in the future. To make sure you don’t miss a payment, consider setting up auto-debit options or reminders on your account.

Key Takeaways

Credit Score Matters: Improve your credit score to get better rates.

Compare Offers: Look at the APR and total loan cost, not just interest rates.

Check Loan Terms: Ensure you understand fees, tenure options, and other conditions.

Consider Digital Lenders: Fintech companies may offer lower rates and faster approval.

Conclusion

Getting a paperless personal loan online is a matter of research, strategic planning, and sound financial habits. Start with a high credit score, compare multiple options, avoid unnecessary add-ons, and make sure you fully understand each term and condition. By following these tips, you can secure a personal loan that fits your budget and meets your needs.

[kriti2024]

Personal loans have become one of the easiest ways to meet financial needs. They are quick to process, don’t require collateral, and can be used for almost anything—be it medical emergencies, travel, or debt consolidation. However, not all loans are cost-effective. This guide will help you find the paperless personal loan online and apply for it online without any hassle.

What is a Personal Loan?

A personal loan is an unsecured loan provided by banks or NBFCs (Non-Banking Financial Companies). It doesn’t require any collateral or guarantor and offers flexibility in usage.

Key Features:

No security needed

Fixed interest rates

Quick disbursal, often within 24-48 hours

How to Find the Cheapest Personal Loan in India

1. Look for Low-Interest Rates

The interest rate determines the total cost of your loan. Compare rates from multiple lenders to find the lowest rate available. Typically, rates range from 10% to 15% for personal loans in India.

2. Check for Additional Costs

Low-interest rates can sometimes be offset by high processing fees, prepayment penalties, or other hidden charges. Always check the Annual Percentage Rate (APR), which gives you a clearer picture of the total loan cost.

3. Choose Paperless Personal Loan Options

Applying for a personal loan online is convenient and time-saving. Many banks and NBFCs offer fully paperless loans where you can submit documents digitally and get approvals within hours.

Steps to Apply for a Personal Loan Online

Check Your EligibilityUse an online eligibility calculator to know how much you can borrow based on your income and credit score. Most lenders require a credit score of 700+.

Compare LendersVisit loan comparison websites to find the best low-interest personal loans. Focus on interest rates, tenure options, and processing fees.

Gather Your DocumentsKeep the following documents ready in digital format:

ID proof (Aadhaar, PAN)

Address proof

Income proof (salary slips, bank statements)

Submit Your ApplicationFill out the online form, upload the documents, and submit. If approved, you’ll receive the funds directly in your bank account.

Tips for Securing the Best Deal

Maintain a Good Credit Score: A score above 750 can help you qualify for the best rates.

Compare Offers: Never settle for the first loan offer. Use online platforms to compare options.

Negotiate with the Lender: If you have a long-standing relationship with your bank, they might offer you a better rate.

Why Paperless Personal Loans Are Better

Paperless loans save time and effort. You can apply from anywhere, avoid unnecessary visits to the bank, and experience faster processing. It’s also environmentally friendly, as it reduces paper usage.

Conclusion

Finding the cheapest personal loan in India is all about comparing options and choosing wisely. Use online tools to compare interest rates, check for hidden costs, and maintain a good credit score to secure the best deals. Whether you need funds for an emergency or a planned expense, online personal loans offer a seamless and affordable solution.

[financing007]

In the realm of modern finance, the concept of instant personal loans has revolutionized the way individuals access much-needed funds. This paradigm shift is attributed to the seamless online application process, which allows borrowers to submit their loan requests from the comfort of their homes. Gone are the days of tedious paperwork and long waiting times. 

[exagides]

I really should have just put a note on my blogs to say I'm on temporary hiatus but I'm hoping to be back online somewhere around July, cross your fingers for me

[nerdie-faerie]

Why is it that when I'm sick, finishing work late because a load of people didn't show up and ongoing work drama, stressed about my upcoming essay and still have a hour walk before I can get home, my dad is apparently kicking off and threatening to kick me out when I'm not even there??

[phfleasingpvtl]

Our objective at PHF Leasing Limited is to give admittance to vehicle advances, home endlessly credit against property at knowledge serious financing costs. We are here to help you in satisfying your fantasies.

[shubhbank]

Apply for an Instant Personal Loan! Easy online application, fast approval, and funds in your account within hours. Get the financial help you need now!

[grdindia]

The Premier Home Loan Provider: Your Ultimate Financial Partner

Introduction

When it comes to securing your dream home, finding the right home loan provider is paramount. You deserve a partner who not only understands your unique financial needs but also provides the best terms and support throughout your homeownership journey. In this comprehensive guide, we, as your trusted experts, will explore the key aspects of choosing the premier home loan provider that aligns perfectly with your goals.

Introduction: The Importance of a Reliable Home Loan Provider

The process of obtaining a home loan can be overwhelming, but with the right partner by your side, it can become a smooth and efficient experience. Let's delve into the crucial factors that make a home loan provider stand out from the rest.

1. Competitive Interest Rates

One of the primary factors that borrowers consider when choosing a home loan provider is the interest rate. We understand that securing the lowest possible interest rate can save you thousands of dollars over the life of your loan. At our institution, we continually strive to offer some of the most competitive rates in the market. Our commitment to transparency ensures that you fully understand the terms of your loan, allowing you to make an informed decision.

2. Customized Loan Options

Every homeowner's financial situation is unique, and cookie-cutter loan solutions may not suffice. That's where we excel. Our team of experts will work closely with you to understand your specific needs and financial goals. We then tailor a loan package that suits your requirements, ensuring you're set up for financial success in the long term.

3. Streamlined Application Process

We recognize that time is of the essence when purchasing a home. Our streamlined application process minimizes paperwork and bureaucracy, enabling you to move closer to your homeownership dreams swiftly. We guide you through every step, from the initial application to the closing of your loan, making the journey as hassle-free as possible.

4. Exceptional Customer Support

Our commitment to your satisfaction doesn't end with loan approval. Our dedicated customer support team is always ready to assist you with any inquiries or concerns you may have throughout the life of your loan. We believe that great service builds lasting relationships.

5. Financial Education and Resources

We understand that navigating the world of home loans can be confusing. To empower our clients, we offer a wealth of educational resources, including articles, calculators, and personalized financial advice. We want you to feel confident and informed every step of the way.

Why Choose Us Over Competitors

In a crowded marketplace of home loan providers, we set ourselves apart in several ways:

Local Expertise

Our team is composed of local experts who understand the unique nuances of the housing market in your area. This expertise allows us to provide you with insights and advice that can make all the difference in your home-buying journey.

Technology-Driven Solutions

We leverage cutting-edge technology to offer a seamless online experience. You can apply for a loan, track your application status, and even make payments online, all from the comfort of your home.

Flexible Repayment Options

Life is unpredictable, and your financial situation may change. We offer flexible repayment options, including refinancing and loan modification, to adapt to your evolving needs.

Transparency and Honesty

We believe in transparent and honest communication. There are no hidden fees or surprises in your loan terms. What you see is what you get, and our clients appreciate our straightforward approach.

Community Engagement

As a responsible lender, we are deeply committed to the communities we serve. We actively engage in local initiatives and support causes that matter to our clients, giving back and making a positive impact.

Conclusion: Your Path to Homeownership Starts Here

In the world of home loans, choosing the right provider is the first step towards achieving your homeownership dreams. We are dedicated to being the premier home loan provider that you can trust. With competitive rates, personalized solutions, exceptional support, and a commitment to your financial success, we are your ideal partner in this important journey.

[financewithworld]

कम क्रेडिट स्कोर वालो को भी यहां से मिल रहा है लोन, जानिए पूरी डिटेल

अगर आप तुरंत लोन लेना चाहते हैं और आपका सिबिल/क्रेडिट स्कोर अच्छा है तो आपके पास लोन लेने के कई तरीके हैं। लेकिन क्या हो अगर आपका सिबिल खराब है तो आप लोन कैसे ले पाएंगे? दोस्तों आपको बिल्कुल भी परेशान होने की जरूरत नहीं है। इस लेख में हम आपको कम क्रेडिट स्कोर वाले लोन और कम क्रेडिट स्कोर वाले लोन ऐप्स के बारे में जानकारी देंगे ।

हमारी वेबसाइट पर जाएं

सिबिल स्कोर क्या है? । What is CIBIL score?

एक उधारकर्ता की साख को क्रेडिट रेटिंग या क्रेडिट स्कोर द्वारा दिखाया जाता है, जो एक संख्यात्मक मूल्य है। सीमा 300 से 900 है। एक उच्च क्रेडिट स्कोर कम जोखिम दर्शाता है। क्रेडिट स्कोर विभिन्न चरों को ध्यान में रखते हुए क्रेडिट ब्यूरो द्वारा प्राप्त जानकारी द्वारा निर्धारित किया जाता है, जिसमें पुनर्भुगतान इतिहास, उपयोग अनुपात, पिछले देय भुगतान आदि शामिल हैं।बैंक या स्वतंत्र ऋणदाता आमतौर पर 750 या उससे बेहतर क्रेडिट स्कोर वाले उधारकर्ताओं को वरीयता देते हैं और उन्हें कम ब्याज पर व्यक्तिगत ऋण प्रदान करते हैं। दूसरी ओर, 700 से कम सिबिल स्कोर वाले उधारकर्ताओं के लिए सख्त पात्रता आवश्यकताएं और उच्च ब्याज दरें लागू होती हैं।

सिबिल स्कोर का महत्व । Importance Of CIBIL Score

क्रेडिट योग्यताउधारकर्ता की विश्वसनीयता का आकलन करने के लिए ऋणदाता क्रेडिट स्कोर का उपयोग कर सकते हैं। पिछले पुनर्भुगतान इतिहास और प्रवृत्तियों के आधार पर, यह उधारकर्ता की ऋण राशि का भुगतान ��रने की क्षमता को दर्शाता है। उम्मीदवार की साख का निर्धारण करने के लिए सबसे महत्वपूर्ण और सटीक मीट्रिक उनका सिबिल स्कोर है। इसके अलावा, उच्च सिबिल स्कोर वाले आवेदकों को आकर्षक ऋण लाभ प्राप्त होते हैं।

कम ब्याज दरेंपैसे उधार लेने के लिए , उधारकर्ताओं को ब्याज की थोड़ी राशि का भुगतान करना होगा। प्रत्येक बैंक या उधार देने वाली कंपनी लोगों के सिबिल स्कोर के आधार पर अलग-अलग दरों का आकलन करती है। कम स्कोर के विपरीत, उच्च स्कोर के परिणामस्वरूप सस्ती ब्याज दरें और कम कागजी कार्रवाई होती है। कभी-कभी, कम क्रेडिट स्कोर वाले उम्मीदवारों को लोन के लिए स्वीकृति नहीं मिल पाती है । इसलिए एक व्यक्तिगत ऋण के लिए एक ठोस क्रेडिट स्कोर आवश्यक है।

मिलती है तेज़ ऋण स्वीकृतिआपका सिबिल स्कोर और आपके ऋण के स्वीकृत होने में लगने वाला समय सीधे जुड़ा हुआ है। इसलिए, बेहतर स्कोर से तेजी से दस्तावेज़ प्रसंस्करण और संवितरण परिणाम। इसके विपरीत, यदि आपका स्कोर कम है तो ऋणदाता आपकी बारीकी से जांच करते हैं।

लंबी शर्तों के साथ ऋण सीमाएं बढ़ती हैंएक बड़ी ऋण राशि के लिए बातचीत करने की क्षमता एक अच्छा CIBIL स्कोर होने का एक और लाभ है। उधार देने वाली संस्थाएं अक्सर बड़ी मात्रा में रकम देने के लिए तैयार रहती हैं क्योंकि आपका उत्कृष्ट स्कोर आपकी विश्वसनीयता से बात करता है। इसके अलावा, अच्छे स्कोर वालों को लंबी अवधि के लिए ऋण मिल सकता है।

पूरा आर्टिकल पढ़ने के लिए हमारी वेबसाइट पर जाइए www.financewithworld.com

[kalena-henden]

I’m loving The Midnight Romance in Hagwon. It’s really a slow burn friends to lovers. They’ve known each other for so long and always had a special connection but because of the age gap and power dynamics their relationship stayed platonic. Since he decided to join the academy with her, you can see them sacrificing for and worrying about each other. They’ve been carefully poking and prodding each other with work and personal boundaries. I love when he asked her if she could ‘read between the lines’ because that’s literally their job as language teachers and it’s what we as an audience have been doing as well. Both for her benefit and ours, it’s his version of ‘can I be anymore obvious?’  LOL

It’s so cute how lowkey and awkward they are about their burgeoning feelings. He’s barely holding on by a thread but Hyejin admitting she liked the way Junho upended her ridged, overly planned, workaholic life to make her want more. *clutches heart* He’s probably dated but she’s been dedicated to her job to the point of no social life. She a bit unsure of how to proceed but I like that she’s up for the adventure of falling in love.

As for her director, it was interesting to find out that he made everyone think he treated her well. When in reality, he had always taken her to the cheapest restaurants, gave her loans to emotionally blackmail her, and put in non-competes to her contract (which are starting to become illegal alot of places in my country). The fact that he didn’t even wait 12 hours to officially try to soft get rid of her was disgusting. He could have tried to build up the Korean department by getting new teachers to do other schools or by building up other teams like English or Math to grow his business so it wouldn’t be as reliant on Hyejin. That’s his fault. As Hyejin said, she was willing to take less if it meant building something special together but once he broke her trust all bets are off. She owes him nothing.

The Grey Witch offered her another terrible deal as well. Even though she’s nearing retirement, I understand why she wouldn’t want another teacher stealing her students simply to keep her pride intact. While she was underhanded in making sure her students wouldn’t be able to attend the lecture, except for the spy she blackmailed into attending, she was trying to protect her domain. But the offer she made to Hyejin was pathetic at best. As Hyejin told Junho, it was the bare minimum of what she is worth. That whole ratio salary thing was such a cheap trick. Very shortsighted. It did not offer any real job security or power.  She was still going to rule her castle. If the Grey Witch truly wanted to retire gracefully and pick a successor, she should have offered to sell her academy to Hyejin for a tidy sum. 

While I understand that the economics of successful talent can be taxing for business owners, it’s literally the owners’ job to assess those risks and build their business around them accordingly. In general, even the best talent gets kicked to the curb at a moments notice so I don’t begrudge the talent for asking for the best terms for themselves. Also, more often than not, business owners (and corporate CEOs) take huge advantage of the majority of their average employees so I have zero sympathy for them. They are more than getting their money's worth. 

However, I do like watching the politics of these business owners versus talent play out.

[tanya029]

If you're seeking the cheapest personal loan in India, the convenience of online applications and digital approvals has made it easier than ever to find a deal that suits your financial needs. With a paperless process, competitive interest rates, and minimal documentation, applying online is now the preferred route for many. This guide will help you understand how to find and secure a paperless personal loan online.

1. Understand What Makes a Loan "Cheap"

The cheapest personal loan in India typically offers a combination of low interest rates, minimal fees, and flexible repayment options. Here’s what to focus on:

Interest Rate: The lower the interest rate, the less you pay over the life of the loan. Look for lenders that offer competitive rates based on your credit score and income.

Processing Fees and Charges: Some lenders offer zero processing fees or waive the first few months' fees as part of promotional offers.

Repayment Terms: Flexible tenure options, ranging from 1 to 5 years, can help manage EMIs and lower the total repayment amount.

By comparing these aspects, you can better identify a loan that minimizes your total repayment amount, making it cheaper over the long term.

2. Choose a Paperless Personal Loan for Quick and Easy Approval

Today, many lenders in India offer a 100% paperless personal loan online. This option simplifies the process, as it doesn’t require physical forms or in-person meetings. Here’s how the paperless process works:

Online Application: Fill out a form on the lender’s website or mobile app, entering your basic details like name, income, employment status, and loan amount needed.

Digital Verification: Lenders now use digital KYC (Know Your Customer) methods, where your identity is verified through Aadhaar and PAN numbers.

Instant Approval: Many lenders offer instant approval or let you know the status within minutes, especially if your documents and credit score meet their requirements.

Opting for a paperless personal loan online can save time and ensure a faster disbursement directly into your bank account.

3. Check Your Credit Score Before Applying

Your credit score plays a significant role in determining the interest rate on your personal loan. A higher score, usually 750 or above, can help you secure a loan with a lower interest rate and fewer fees. Before applying:

Check your credit score using free tools or reports provided by financial institutions.

If your score is below 750, consider improving it by paying off outstanding debts or reducing your credit utilization before applying.

A good credit score not only increases your chances of approval but also allows you to negotiate better rates with lenders.

4. Compare Offers from Different Lenders

Comparing offers across various lenders is essential to finding the cheapest personal loan in India. Many websites and apps provide loan comparison tools that allow you to see various lenders' rates, terms, and fees side by side. Here’s what to look for:

Interest Rate Ranges: Some lenders offer lower starting rates for high-credit-score applicants. Check if the rate is fixed or variable.

Processing Time: Some lenders provide same-day disbursement, which can be beneficial in emergencies.

Prepayment Charges: Look for options with minimal or no prepayment penalties if you plan to pay off the loan early.

Use a combination of lender websites, loan aggregator platforms, and banking apps to conduct a thorough comparison.

5. Choose a Shorter Tenure for Lower Total Interest

While longer tenures reduce monthly EMI payments, they increase the total interest payable over time. To ensure a cheaper personal loan:

Choose a tenure that balances affordability with minimizing interest.

Opting for shorter tenures, if feasible, can lower the total cost, even if the monthly EMI is slightly higher.

Some lenders allow prepayment options that reduce the tenure without additional charges, making this an attractive choice if you anticipate being able to repay sooner.

6. Apply During Promotional Periods for Better Deals

Lenders often offer special promotions during festive seasons or year-end sales, providing discounts on interest rates, processing fees, and other charges. During these periods, you may find:

Reduced interest rates and waiver of processing fees.

Special offers for first-time applicants or digital platform users.

Cashbacks or other rewards for using online applications.

Look out for these promotional offers on lender websites, as they can make a personal loan even cheaper.

7. Choose a Trusted, Reputable Lender

The cheapest personal loan in India isn’t only about the lowest interest rate. Working with a reputable lender ensures transparency in terms, reliable customer service, and a smoother loan application experience. Some popular options include:

Banks: Many banks provide digital personal loans with competitive rates for existing customers.

NBFCs: Non-Banking Financial Companies offer flexible personal loans and often cater to individuals with a slightly lower credit score.

Fintech Apps: Digital lending platforms and apps often provide a seamless, paperless experience with quick approvals and low rates.

Conclusion

Getting the cheapest personal loan in India online requires a strategic approach. By focusing on low interest rates, choosing a paperless personal loan online, and comparing various lender offers, you can ensure you’re making an affordable, well-informed choice. Remember, a loan that fits your repayment capability and has transparent terms will ultimately be the best and cheapest personal loan for your needs.

[angelbxxy]

Hey y’all idk how this works I’ve never been struggling this hard before. My two daughters lost their dad my fiancé a week ago from a heart problem we didn’t know he had. It was sudden and now I have to plan a funeral alone. I never imagined that he would be gone we were just talking about getting a life insurance policy like a month ago but never did it. I already have our two daughters I gotta take care of on 1 income now I don’t know how I’m gonna pull this funeral off of anyone can help us send him up the right way plz consider donating 🥺😭❤️

Cashapp $prettymom18

January 15th 2023🚨⏰⚰️

Update!!!!!

Still waiting on donätîons I currently only have $250(I took out a loan that’s all I was approved for)/$3,400(cost of funeral service and funeral home plus casket. The $3,400 DOES NOT INCLUDE THE BURIAL 🪦🥺😭⚰️😣♥️

Please help us if you are able and I would appreciate it if you can not help us financially, a reblog and prayers will always be appreciated.

RIP my one and only Prince Charming 🥺❤️🪦⚰️

Cashapp $prettymom18

UPDATE JAN15th 8:54pm

Still 0 help but I’m still great full for all the reposts and likes if you know anyone who may be able to help or has a big following on here PLEASE don’t hesitate to tag them in ur repost or just tag them on the comments ❤️🙏

PS my friend said if someone wants to donate but they don’t have cash@pp I can give them her Venmo or chime or PayPal so if that is what is stopping you from donating DM me and I can send you her vënmø or paypãł

Thank y’all again♥️

XO XO XO and GOD BLESS🙏🏽

Katie 🥰⚰️🪦🫶🏽👩‍👧‍👧❤️‍🔥💔✝️

I probably should’ve put this in the original post but I’m having trouble getting donations and I’m doing this all by myself his family hasn’t even called me since I told them he passed and I was a foster kid so I really don’t have anyone to help. The only person that is helping me is financially struggling too but she took out a loan bc my credit sucks so I was denied anyway thank u if u have anyone on here who u talk to a lot see if they can repost it too I wanna get some type of traction lol

UPDATE JAN 16th

Tumblr BLOCKED ME FROM MESSAGES WTF HAPPENED!!!! Someone plz help me get my messages back

Plus still no donations so please keep reposting and thank you for all the support from the reblogs

Jan18 update

Thank you to whoever sent $5 that’s the first and only donation I’ve gotten so far

Please if u can’t donate repost and tag your friends!!! I don’t know what I’m going to do if I can’t raise enough for the funeral, I don’t even have enough for a cremation

Jan 20 update

Im $30 short to start a payment plan with the funeral home I have an appointment tomorrow morning at 9am PLEASE SEND HELP either repost or dono

Anything helps us!

Help us bury my kids dad and my fiancé!

GOD BLESS PRAYERS ARE WELCOME TOO!

Jan 30th update♥️❤️‍🔥🥺😭🚨

So I DIDNT get enough money to have a funeral for my fiancé 😖😭 we had to cremate him and they put me on a payment plan. I still want to have a repass but I need to get a hall or something to gather everyone. The cheapest one I’ve found is $350 for 5 hours

ANY HELP WOULD BE APPRECIATED AND HELPFUL

I want to celebrate his short life and the memories we all have with him ♥️

It’s been 3 almost 4 weeks since he’s been gone and life being a widow mother of 2 is a lot harder than I ever imagined. Please repost even if you can’t help ❤️‍🔥

@localmacguffin @laymedowninsheetsoflinen @enderamethyst @transgendz @othert @pixelstx @spongebobssquarepants @queenpandaxoxo @pukicho @shareyourdollar @mutual-aid-booster @horangi @jacklant3rn @bugs-for-hugs @difficult @commie-cosmo @yellowgirl93 @racism-inc @mousedetective @vaspider @shineemoon @queenpandaxoxo

[judasdreams]

I feel like...

Poverty has become a competition.

I don't even know how to write more than that.

I feel guilty & ashamed enough to begin with, and the more I think of it, the more I think of how much damage growing up and now living as a person under the poverty line, has affected my mentality around money & social services.

I'm getting an allowance from my social worker (that man is a Saint, for sure!) To buy a new laptop since my old one is on its last legs.

I feel ashamed and guilty for even asking for something more expensive than the cheapest "this'll do for now" -computer, even though I've fully committed to give every cent I have to my name to get that computer.

Having it would mean the world to me; being able to do my final project without having to reboot my laptop every 2 hours, continuing to study online like I currently do almost all the time, do projects online on different programming projects... study for entrance exams even, maybe?

That laptop would last me for years to come.

But I feel like poverty has become a competition because despite my past, my (ex-)family's past, etc. The one time in my life when I'm almost able to get something I actually appreciate big time, without having to accrue more debt; this time I've got too much money to be considered poor.

But I'm still counting how much food and other household items I can afford to buy next month... while I'm making a mental payment plan for the disability benefits that the government has overpaid me.

I'm not enjoying myself. I'm getting a way to at least finish my studies while I'm constantly in pain, in brain fog, tired, and tortured by my own mind. (There are conditions for this too, all of which I plan to fulfill, the least of which is money; the idea of getting this specific laptop that i WANT has given me a massive moral boost to do things, and finish them; to be able to show my social worker that look, you helped me! You did this WITH me!)

And now I'm crying again when I think that I can show that man my graduation certificate.

Because I have an internalised need to not be in debt to anyone and him, giving me allowances from the social security side of the government, that counts as a debt despite it being an allowance, not a loan.

And I feel guilty for "having nice things" because this laptop does go in the higher end when it comes to hardware and "do you really deserve something like that, Judas?"

[prettykikimora]

I was at a rest area driving through new york on the interstate here and I bought a monster rehab for 5 dollars and twelve cents because it somehow was the cheapest source of caffeine I could get in this whole place more pricey than the coffee even. It's 3 AM I joke at the register to the teenager working "wow i had to take out a personal loan just to buy this." No laughs.

[dark-elf-writes]

I was trying to think of drama to add to the sugar baby au: Uchiha style for my favorite au builders to rotate in their beautiful brains but I got nothing.

My only thought is that Naruto is still an orphan, sasuke is a mean fucker, and some of Naruto’s traumas are directly related to an unnamed friend (100% sasuke) that kinda treats him like shit.

I mean I definitely was thinking of, for lack of a better term, a Toxic Teenage Girl Friendship™️ between Sasuke and Naruto where a lot of issues stem for Naruto at least. And after Sasuke went to college and Naruto went to working as many jobs as he could get without dropping dead from exhaustion or getting Sakura (in medical school and 98% of Naruto’s self care) to drag him to the hospital kicking and screaming Naruto is barely making ends meet and is struggling ti keep his head above water so Sakura (who is well off ish but really doesn’t want to deal with med school loans/be reliant on her parents who are less than thrilled she’s didn’t pick something more “ladylike”) offers the safe site she has already personally vetted.

When it finally comes out who Fugaku is related to Sakura laughs so hard Naruto is pretty sure she’s going to pop a blood vessel and orders the biggest and cheapest bottle of wine for them to split while they figure out a plan of attack.

[shubhbank]

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