#christmas loans with bad credit

[investingdrone]

10 Best Guaranteed Holiday Loans For Bad Credit 2024

Feeling the pinch of the holiday season? Expenses can quickly snowball, leaving you scrambling for cash. Holiday Loans For Bad Credit can be a lifesaver if your finances run low during the festive rush. These loans are designed to provide quick access to funds for gifts and other holiday expenses, even for those with less-than-perfect credit history. Investing Drone can help you find a favorable…

[pennycallingpenny]

7 Best Christmas Loans For Bad Credit In 2023

Can you feel that festive magic in the air?

The twinkle of lights, the warm scent of cinnamon, and the sweet hum of carols weaving through the streets – it’s all a sign that Christmas is just around the corner.

And with it comes the promise of treasured moments with loved ones.

But we know that sometimes, money worries can dim that holiday glow.

It’s like trying to add a little extra sparkle, but feeling like the budget’s holding you back.

Trust us, we’ve been there too. You’re not alone.

So, grab a seat and let’s talk.

In this blog, we’ve rounded up some fantastic Christmas loan options, perfect for those of us with a not-so-perfect credit score.

These aren’t just loans; they’re a way to wrap up happiness and make your celebrations a breeze.

Imagine this: the laughter, the smiles, and the soft glow of a beautifully adorned tree.

That’s what we’re rooting for you to have. And when the time comes, you can pay it back at your own rhythm, no rush.

Let’s transform those worries into mere whispers, and those hesitations into dreams.

To read more, visit now - https://www.pennycallingpenny.com/christmas-loans-for-bad-credit/

[marzipanandminutiae]

Cabinet of Curiosities Opinions

Roland (Lot 36) is not a neo-Nazi and the hair wreath is not made from the hair of concentration camp victims.

I didn't think this needed to be stated, since he called the Wolmar family evil, which he definitely wouldn't have done if he agreed with them. But apparently some people see "German guy talking about Nazis" and assume he's one himself. Weird.

As for the hair wreath, such things were popular in the 19th century, not the 1930s-40s. I went looking and couldn't find any extant examples from that era. Given the presence of other antiques from that period in the storage unit, like the summoning table, it makes far more sense for the wreath to be an earlier family heirloom. At the very least, even if it WERE some perverse latter-day craft project made by Dottie or her mother or something, there would be no reason for Roland and Agatha to assume that. So they'd probably believe it was innocent even if it wasn't.

2. Emilia is an avenging angel sent to test people like Nick.

This is a bit more of a stretch, but bear with me. When he gives her the lock, she says (in Spanish) "What kind of man are you?" An understandable response to him being a racist asshole, but to me it sounds like she's saying it in a measuring way, as if she's really wondering. Later, in her final appearance, the light behind her umbrella gives her a halo effect. And condemning him to be devoured by a demon he set loose seems like a pretty fitting thing for an angel to do if she's seen that he's past helping.

(This take brought to you by: whiny pissbabies on Reddit going on about "well he's not THAT bad and even if she couldn't see the demon, she KNEW the loan shark was after him so she should have REALIZED he was in real danger and let him out!!! the clearly symbolic racial-, gender-, and class-disadvantaged person in this 45-minute fictional story is the TRUE bad guy here, not the man who was listening to a white nationalist radio show and agreeing with it!")

3. Stacy's coworkers (The Outside) weren't actually that bad.

She feels isolated from them because they have nothing in common to talk about. We never see them actively being mean to her; just not being her best friend- and nobody is obligated to befriend coworkers if they don't want to. They invite her to the party, so clearly they do think of her. Sure, the one lady reacts badly to being given a taxidermy duck for Christmas, but...taxidermy IS a pretty contentious gift. Not something I would spring on someone at all. Stacy was just doing her best, so I don't blame her either. It's just an awkward situation all around, that's nobody's fault.

I feel like the point is not "this woman's bitchy coworkers drove her to change herself." It's that marketing and the media cause women to be internally critical on a deeply harmful level, even if nobody else is actually being critical of us.

4. The Outside has themes of sublimated homosexual desire.

Stacy has a tense relationship with her hsband, idolizes the women at work who are constantly touching and stroking each other, and literally makes out with the feminine-looking Allo Glo creature in the basement. I mean. Come on. This one seems like a no-brainer to me. I don't think that's the PRIMARY theme, but it's definitely there.

6. Nancy (The Murmuring) had something to do with Ava's death.

One theory I saw online was that she'd rolled over on her while co-sleeping, since the ghost she mistakes for baby Ava appears in the bed next to her. I'd believe it, and it definitely adds another layer to her sympathy with the mother ghost- who I just learned is named Claudette in the credits. Even though I very much doubt she did anything that purposeful.

7. Alternatively, Ava was not a baby when she died.

Edgar and Nancy are both on the older side to be new parents (Essie Davis was 52 during filming, though the character is probably somewhat younger), and Nancy has clear experience talking to older children when she addresses the little boy ghost. Ava's death was recent, so while I suspect the intention is that she was a surprise baby to a couple who assumed they'd never have any, she could have been any age within childhood.

8. Ava was named after birds.

"Avis" means bird in Latin and her parents are ornithologists. It just makes sense.

[apprenticevida]

An Update on Your Friendly Neighborhood Alexa

It’s been a while!! I’ve missed out on a lot of discourse and drama (good!) but also on friends’ content, inside jokes, and memes (bad!!). Here’s where I’ve been for the past… year, basically!!

The biggest news: My husband and I were house-hunting for several months, which meant getting my student loans out of default, fixing my credit score, and then the stress of finding houses, falling in love with houses only for the sales to fall through, then finding a livable place in an okay location, working with multiple lenders to find an okay enough mortgage, price negotiations, sorting out our apartment lease to either break it or have two monthly payments, working as much overtime as possible to afford the down payment, and (FINALLY) moving out of our apartment and into our home. This all happened by December.

Then the usual holiday season, which meant working MORE overtime for bills, gifts, and travel to family members. Then on we got into a minor accident miles away from family where our car was undrivable in winter conditions. We got home several days late to a 40-degree home and find out our furnace died. The cats were okay, but definitely stressed about the cold and that we were gone for so long (weekend trip became an almost week-long trip). Did you know that finding emergency HVAC on Christmas is difficult? I was spoiled by apartment life.

After the holidays was kind of a fugue state where I worked, slept, and rarely socialized outside of a small group of friends. March and May were especially rough for personal reasons. I definitely self-isolated myself without realizing it. I don’t even have any art or writing to show for it, since I didn’t make anything.

Got back into therapy, my meds are getting adjusted, and I was diagnosed with ADHD and PTSD. I’m working on getting back in touch with the friends I made through this fandom, but being away for so long built up a huge amount of anxiety about not knowing what’s going on, causing a self-perpetuating cycle.

I’m now at a place where I can get past that for the most part, but the guilt is still there.

I’m hoping I’ll be able to post regularly again, along with drawing and writing.

[classicquid]

Can I Be Eligible for Low Cost Short Term Loans UK Direct Lenders?

You can benefit greatly from low-cost short term loans from direct lenders, but there are also some drawbacks, so it's important to consider both before drawing any conclusions. However, if you are confident that you will make your payments on time, you can simply and readily apply for a loan to cover any short-term or personal financial needs. An overview of the benefits and drawbacks of online short term loans UK direct lender may be found at Classic Quid. So, if this loan is appropriate for your specific situation, use it.

Before you apply for one of our short term cash loans, you must meet a certain set of eligibility requirements. You meet the following criteria: you have a full-time job and a monthly income of at least £500. Recently, your bank account has been accessed. You are a citizen of the UK and older than eighteen years old.

With our loans, you can take advantage of a number of advantages not offered by conventional payday loans. Leave them behind and apply for affordable short term loans direct lender to receive everything that suits you.

• Flexible periods for significant savings

• No surprises, no additional fees

• Safe & secure financing in just a blink of an eye

• Amounts ranging from £100 to £2,500

• Monthly installment repayments scheduled for six months

You never have to be concerned about using it. The money you have available to pay for a variety of urgent expenses,

 Such as unanticipated car repairs, lost wages due to illness or an accident, and unanticipated medical expenses.

Transport costs for urgent situations, such as going to a funeral or seeing a sick relative.

Fixed costs for starting a new employment, such as new clothes or a transferring pass, are sought after.

Throwing a Christmas or birthday celebration, or shopping for a gift to give a friend, someone special, or a member of your family.

Giving a security deposit while renting a new apartment or home.

Paying an unforeseen large bill (such as an electric bill or a toilet's line repair that all of a sudden increased by a significant amount).

What are some uses for a Short Term Loans UK?

In a nutshell, you are free to use this form of financing anyway you see fit. You won't be asked why you need the money when you apply for a short term loans UK online.

A brief justification or description of the loan application may be required by some lenders, but that is all. In the UK, the following are a few typical justifications for requesting short term loans for bad credit:

Unexpected emergency that is not covered by insurance (think of the kitchen burning down, car accident, or a broken leg, just as examples).

Scheduling a much-needed family vacation.

a lengthy month where you require bridging money to get you to your next paycheck.

Unexpected medical or health care.

Vehicle failure

Family outings (extra groceries and activities need to be covered).

Consolidation of debt.

Overspending on credit cards or accounts, or overdrawing an account.

Academics and activities for kids.

https://classicquid.co.uk/

[easyloanhub]

5 Seasonal Business Ideas That May Scale in a Long Run!

Driving income for yourself with business activities is one of the prime things that can help you bring better opportunities for you. Even a working individual or an existing business person can make more pounds with ease with prominent business ideas. Starting a new business journey in season is going to get you business for sure, and you can take it in the long run if you are dedicated and passionate about providing quality products or services.

There are various seasonal business ideas that can bring you better career growth. Choose the right career path, and tap on your potential. Even a single effort is going to help you in doing better in your career. You can start a seasonal business from home. Seasonal businesses require fewer investments and can be taken for the long run if you do your work dedicatedly.

If you are lagging behind due to financial issues, then you can borrow loans from reputed lenders. But, if bad credit hits your credit profile and you have no previous business records to get funding, then you can get start-up business loans for bad credit, which are guaranteed in the UK on a few direct lenders’ websites.

But before you get funds, you must know the 5 leading business ideas that you can even scale to the long run and get better results for yourself.

5 Well Known Business Ideas That May Scale in a Long Run!

Chocolate making and Christmas bakes:

The desire for chocolate making and Christmas bakes can bring you a better amount of pounds to your pound in the upcoming season. In the Christmas season, chocolates and bakes are in high demand, and you can fulfil such demands with your love and passion for baking and chocolate making.

Here are a few tips to run a successful chocolate-making and Christmas bakes business!

Add new varieties to your cart, and create an online store adding all the products.

Use premium quality products to make chocolates and bakes.

Use a premium quality oven or install an outdoor oven outdoors.

Start selling your products through food delivery apps.

Deliver your bake through delivery apps.  

You can also hire other people to fulfil their huge demands. To ensure that you can receive orders this Christmas, start giving free samples to interested people. Even get to small businesses and show them your creative packing and bakes with good taste to receive orders.

Christmas decoration:

If you love developing new decoration ideas for parties and events, then you can hire a team and start doing Christmas decorations for people. Ensure that you consider safety guidelines before accepting the orders, and visit the websites with a professional contract. Get a team of people who can go on your behalf to decorate homes and guide them to accomplish the project goals.

Visit the site with your team in advance to create a plan and make them understand the project requirements.

Hire efficient professionals with good career records and behaviour.

Snow removal and home cleaning:

The snowy season is coming, so if you have people who can clean snow in the snow-prone areas, then create a team in advance. Start preparing your online presence through [ugh social channels and website, and promote yourself before the peak season so that people can book their slots in advance. Offer discounted rates to get more deals in advance.

Lawn care and decoration services:

Lawn care is complicated for many people who are busy with their 9 to 5 or business obligations. You can provide them with lawn care services with teams. Check out the peak season and create a team accordingly by discussing the terms and conditions with them. Many people also want to decorate their lawn area, so you can also get into this with efficient professionals.

Check out the professionals who have enough experience in this field and build your business the right way.

Floristry and flower arrangement:

Floristry is one of the most successful businesses if you do it right. Your efficient management skills will help you to get better profits faster. You can also provide flower arrangement services for the wedding season. This business is great to run in the wedding season or for any special event. Start doing your business in the peak season and get more orders.

If you want to take your business in the long run, then you can do it with long-term loans from direct lenders. Find funds at easy terms and conditions, and ensure your financial growth with the right strategies.

The Conclusion:

The above 5 leading business ideas can be helpful to start doing seasonal business that can also work in the long run. If you are borrowing funds, then make sure that you can repay it on time to avoid the bad credit ratings on your credit profile. Skipping your creditworthiness goals is going to cease your further financial opportunities.

[recentlyheardcom]

Christmas Loan Bad Credit - Provides Financial Assistance to Bad Credit Holders

Author James Phillips Published January 22, 2012 Word count 419 Most people are finding difficulty at time of scarcity of money and if Christmas is ahead of it then it leads to get them depressed. With lack of money they cannot be able to arrange everything that is required to celebrate Christians. People who have got bad credit scores are facing much difficulty at time of scarcity as no one…

[raspberryconverse]

I think my sister might be mad at me.

Yesterday was her birthday and I texted her to wish her a happy birthday and didn't get a response. Yeah, she might have been busy, but there also might be more to it than that.

Last year she got a new car (mainly because her boyfriend's ancient dog either barfed or shit in her car and they couldn't get the smell out, though she was already planning on replacing it the next year) and posted all about it on Facebook. Which is fine. I posted about my new car when I got it too.

But then a week or two later, I talked to our dad and he asked me if she told me he cosigned on a car for her.

Obvs, she didn't mention that on Facebook (because it's definitely not anyone's business), but yeah, I had no idea. And I knew this was going to be a bad idea.

So when I was in high school and lived with our dad, our mom's car died and she needed to get a new one. She called my dad from the dealership and asked him to cosign for her. Her ex husband. What I didn't realize what that her credit was so bad, she couldn't even get a loan with a cosigner. My dad had to take the loan out in his name. He never told me this was the case (and my mom never admit it) until years later.

My mom, being my mom, only made a few payments on the car before she stopped. And since the loan was in my dad's name, he had to pay it or it'd fuck up his credit.

I had really hoped my sister wouldn't do that to my dad, but we found out at Christmas that she did. My dad had gotten us a $300 gift card to Menard's and Spouse and I said, "Dad, that's too much!" to which he responded, "Well, I've been helping [sister] with her car payments, so..."

Spouse and I were really pissed. Spouse never met my mom, but has heard the fucked up stories from my childhood (they had similar experiences with their mom, but not on the level that I did), so they were equally concerned. Plus they're friends with my sister on Facebook, so they see all the "Look what I got" and annual Disney trip posts from her (yes, they go to Disney almost every year and usually do another vacation with just the 2 of them as well).

My sister's excuses were that her dog needed a dental and had half his teeth removed and that the ancient dog died.

Now, the dental thing I kinda understand because Lola needs one and I had been putting it off because of the cost (I think they quoted me $2500), but Spouse and I decided to take out a Care Credit card to pay for it. We wondered why my sister didn't do the same, though she might not have had good enough credit to do it.

The ancient dog thing was a bunch of bullshit. See, her boyfriend (who she's been with close to 10 years at this point) and his ex wife share custody of their son and the ancient dog. Ex wife is remarried to some sort of finance guy who works at a national bank and has since had 3 more kids with him. They're not hurting for money. But the dog was not actually my sister's and therefore not her responsibility. The cost of his end of life expenses was not on her at all. Half of it was on her boyfriend. Sure, they share living expenses (and he's a teacher, so I get that he doesn't have a huge salary), but I don't think she really had to personally contribute to the dog's expenses. She did buy a bunch of memorial shit for the dog, though (pillows, blankets, ornaments, etc).

Spouse and I really wanted to rip her a new one about this, but I talked to my therapist about it and she said to talk to my dad first. And I do think he agreed that he needs to be more firm with her, even though he's a pushover. I expressed my concern. I gave him some suggestions to get her to get her shit together so she can make her payments (offer budgeting help, suggest she do what I do and have money for the car payment deposited in a separate account she doesn't look at and put it on auto pay so she doesn't have the think about it). He seemed receptive to the idea. I just hope he follows through. I'll have to check in on him and see how the conversation went (or if it even happened).

I will be the first to admit I'm not the greatest with money (which is why I don't have $2500 in savings to pay for Lola's dental, partially because I spent $800 on her ass over a year ago and that depleted it quite a bit, plus am still paying off the 20% of my surgery that my insurance didn't cover). But I'm trying. I don't think my sister is trying, though. She's being like our mom, buying things to keep up appearances and not thinking about important things like her car payment. She got the attitude from our mom that if she can't take care of it, she can find someone who will. And that's not ok. Especially because my dad doesn't make a ton of money either. He really can't afford to be paying my sister's car payment each month. There's a reason why he bought an older van with high mileage. He didn't want to be spending a lot on a car payment. And now my sister is trying to get him to do that for her and it's just not ok.

At least my dad agreed that he has to do something. I just hope he has the balls to do it, because he's normally not that kind of guy.

[marcholasmoth]

OSRR: 3402

a few things and then a rant.

i went to the eye doctor today, to see (ha) them about my retina and my recovery from eye surgery. it's going well, and i'm glad that it's going. i thought it more or less stopped, but the doctor says that you just gotta trust the process, and if there's anything i've learned from watching videos of artists and artisans doing their thing, it's to trust the process. so i am.

they dilated my eyes - both of them - so i couldn't drive immediately after. which was fine, so i took a break for a while in my car and left just before my therapist called, who i talked to on my way home. we talked about the week i've had and things i've noticed this year around the season as it's the first time i haven't been in school or preparing for school at the holidays and how that's making a difference in how i feel.

the timing worked out perfectly for that conversation; i hung up about a minute out from home. and then mom and i went to look for fabric and then my back started hurting and the rest of the afternoon was kind of miserable.

we stopped at the farm shop and picked up some eclairs because i'd been craving them, which was really nice. and then we went home and i was still in pain, so i grabbed the heating pad and went upstairs to lie down and use the heat on my back. i ended up napping after using it for a while. i did shut it off before i fell asleep, though.

i woke up to the smell of onions and a call for dinner. i helped get the table ready for us and got things out and put things down and all sorts of stuff. dinner was good. and after dinner, i helped bring up the boxes of christmas stuff and then take out the leaves from the table. my back was still hurting. eventually i had to stop and i laid down on the floor to try to get it to stop hurting, which worked for a bit.

i really hope my back doesn't hurt tomorrow like it did today. today was pretty miserable because of it.

and now for the rant.

tl;dr: i'm grumpy about money.

i'm really tired of working at the school. i really want to quit. it's frustrating that i can't, though, because i have too many bills to pay and i don't make enough from one job so i have to work three to make ends kind of meet as well as be able to eat and afford gas. it sucks. why does this have to be so fucking hard.

i hate being broke. because i was sick for a bit, it kinda fucked my finances for a long time. so my goal is to not get sick. and to not be out of work. like i could use an injection of two thousand dollars and that might help me recover - the buffer i used to have is completely gone. and so is the money i was given to fix my car. i used it to catch up after being sick.

but then i also have doctors appointments to pay for, and come next year i have to pay for my health insurance as WELL as my doctors appointments, and on top of that and gas and food and my credit cards that have been maxed out because i had to live a few years back without pay for a few months, AND my student loans, im fucked. i don't even spend that much on things that i "don't need." like i have netflix and i have prime and i have a few news subscriptions, but all of that totals less than $50 a month. that's my smallest credit card payment.

but i have to get gas and i have to eat and even though im bad at eating regularly i still try my best. it's frustrating because most of my priorities are fucked in the first place, because i know i need to have such a significant amount set aside for my loans every month.

this is why i think university should be free.

there is absolutely no reason for me - and so many others, for that matter - to be shackled with debt to get a good education simply because we are poor. debt is punishment for being poor. high interest rates are punishment for being poor. lack of access to healthful food is punishment for being poor. and it doesn't help that it gets compounded onto by poor health, bad sleeping habits, and an increased affection of the wealth effect - which is that when money comes in, it gets spent quickly, but it's even worse for poor people because it's not even there in the first place since it goes immediately to paying debts - among many other things.

society and culture in the united states punish people for being poor from the get-go. i'm pretty sure that that's what made me as much of a leftist as i am.

i hate this place. fuck it.

i'm just glad that joel has enough money for what he needs. he also helps support me when i need it and i couldn't be more grateful. he's got good ideas to help me help myself and he's got a level head on his shoulders and i am so so grateful he's in my life because this shit would be fucking miserable without him.

[keshetchai]

Okay so loving the notes, tags etc except that one guy who lost his shit for no reason (blocked lol).

I don't want to direct post any tags when ppl said they might delete later BUT they are directly related to some things I didn't elaborate on in the above post but are my personal views on the matter. Also I wanted to respond to some other tags so yanno!

First:

For context I converted to Judaism as an adult, grew up with culturally xtian parents (my mom is like...a witchy lapsed mexican-catholic. Dad is a literal WASP, but also into paganism for awhile there. Idk.) Anyways my mom LOVES Christmas. So so much. She did grow up poor/lower working class. (My mom loves Xmas so much that she got married on December 23rd because the Catholic priest wouldn't do Dec 24th. ...Christmas got a little ruined for her when they divorced. I think it's finally getting better again many many years later.)

The point is, I Grew Up With Santa Is Real and Magical. 100%! And as a baby/little kid (under 7), my parents were still starting out, struggling with debt/student loans, making bad credit card decisions, etc. My mom worked fast food jobs.

but like, eventually, my dad stopped serving in the army, got an MBA on some of those loans he had, and went into managing computer engineers and with time, we became solidly middle class. I was about 7 when my parents bought their first house (instead of us living w/family or in apartments or army apartments), and then my parents divorced when I was about 14? 15? Then I got to live on the literal poverty line because divorce! Isn't that fun?

Anyways the point is that it was my mom, who grew up poor, that had the most investment in Santa. I was talking to a friend last night and she was like "yeah I mean, I eventually figured out people's handwriting so..." and I shook my head like. "No my mom always used her non-dominant hand as Santa. She changed her handwriting." My mom Believes in Santa, to be clear. Literally her philosophy is that Santa is real when we make him real, because Santa is a role — a thing parents can be/do, and the love and experience and wonder of childhood is all real, even if Kris Kringle, actual man from the North Pole is a fairy tale and made up." Her stance is that parents are "Santa's helpers" insofar as parents/guardians fulfilling Santa's role, passing on the story, etc all "help" Santa act, & that's not really a lie. It's a fairy tale, it's fiction, but Santa is just a collective belief that people take up and enact and that isn't a lie.

I suspect my mom is actually more sad that if I had children I don't want to do Santa than like she cares about me currently being like "I don't believe Jesus was a Messiah even a little bit."

Like. When I was maybe 3? My grandpa dressed as Santa to show up to the Christmas party for myself and my cousins/my mom's baby cousins. Picture the most adorable Mexican abuelito in the FULL mall Santa get up with a GIANT red sack for all the little kids and also his face was powered white so y'know. I was three. I didn't see under the massive white beard and wig I knew him. I met Santa and he was DEFINITELY real. We didn't have a lot of money yet but also this was the 90's and it's not like three year olds could even expect a $300 tablet or whatever.

My parents financial situation improving did mean "Santa" gifts could be a bigger deal as I got older, but they also imposed a 1 Santa gift limit more or less. Again, probably because my mom grew up poor and did not want me to feel better than other kids who got less but were just as "good." I was a very skeptical child so I'm not really sure how long I bought into Santa for, but I definitely Did Not Bring It Up even though I was fairly certain Santa was Mom for years. I mean, if Santa is real, then why do we go and buy angel/Santa gifts for other families and kids? So it's not hard to figure out. Especially since kids inevitably compare everything from gift value to "the rules of how Santa works at my house."

And when we'd finally confirmed I did indeed, Know The Truth (and wouldn't spoil it for my 8 years younger brother) I would be tasked with helping wrap the gifts we bought for other kids as Santa. I still remember helping my uncle do a Santa run to deliver the gifts we'd got to a single working mom cried in the parking lot when we helped her load up her car with presents.

And while I think that's lovely and we should absolutely give charity and help others in need and even just give charity that isn't only practical but instead includes stuff that is valued by joy and delight — I think Santa doesn't have to be the way to do that, and I also think that with the advent of highly expensive digital toys and gifts (above and beyond a barbie dreamhouse), "Santa" is now fully unable to escape capitalist and classist limitations.

Santa used to bring maybe a small toy and then maybe some "sweets" like some oranges, candy canes, etc in stockings, to most kids. But the divide between kids gets bigger and bigger, and the morality of kids gets tied to how much money their parents can afford to spend in fulfilling Santa and that's so deeply shitty to me.

As an adult, I am utterly disillusioned by Santa. Not the joy of parents participating, not kids who get toys they wanted. Not even because parents are lying, because big whoop. But because the fantasy is less and less feasible for kids whose parents don't have money. Because I worked for a bank financial assistance dept trying to help people for awhile, and when you see hundreds of people who go thousands of dollars into debt to maintain Christmas, it sucks!

It's a literal cycle SO MANY Americans go through btw, like to the point where banks/creditors all *know* to account for it. Debt goes up in Nov/Dec for Christmas, people struggle financially in Dec/January, and then Feb-April is when folks try to recover with their tax returns (because a lot of people gamble they will receive enough return in order to pay off or down the debt they couldn't afford). And when your job is "helping people who are financially struggling with getting out of the hole, understanding their budget better," lemme tell you, no one wants to be told: "look, you can't afford this kind of Christmas. It's setting you up to start the new year underwater financially, every single year. It makes you stressed and miserable, and you can't always manage to catch up with your tax return. This is unsustainable and is something you have the power to completely change in order to achieve way more stability for you and your family. It won't fix everything but wow is this gonna help!"

So you don't say that directly. You talk generally about cutting down unnecessary expenses (people rarely willingly consider their Christmas spending as unnecessary), about the plan after the tax return comes in, about how to cut costs of the expenses you do still have.

This isn't the fault of the concept of Santa, but like, Santa is part of this cycle now. And people are MISERABLE doing this debt cycle. Lots of people hate that they feel they HAVE to rack up all this debt to buy big presents and then even more santa presents and they often don't even believe in this holiday religiously! Sure, thoughtful presents are nice, but if everyone was like "actually I can't afford $2,000 in debt this year to make a big Christmas." Most people would feel a lot better! Depression due to Christmas holiday stress is real and measurable and people who know that and hate how it makes them feel STILL keep doing all of it.

So it sucks, Christmas's commercialization and Santa's accidental classism is just...truly awful.

I hate tying morality to class, and I hate making poor kids feel unworthy, I hate that people feel obligated to prepare to drop hundreds or thousands of dollars.

...parents lying to kids about Santa or the tooth fairy doesn't bother me, but like. Santa's elves probably aren't even unionized! Terrible

Do you ever just get obsessed with how cultural Christians (esp atheist or agnostic ones) often openly choose to maintain Santa Claus for their kids?

Like think about this with me:

A group of people who don't actively align themselves with religious life, religious institutions (churches) or other traditions, and may even be total atheists STILL sometimes choose to do Santa Claus for their children, because THEY had Santa Claus as children.

The parents give their child a folk demigod (lesser deity?) of outsized importance to children SPECIFICALLY, and teach them the demigod is definitely totally real. They maintain this active belief as long as possible through childhood. They may encourage and actively engage in this belief with their children moreso than anything else involving the religion it comes from (aside from perhaps, the easter bunny). They know Santa isn't real, does not exist, and is a fiction.

They know their children will learn this demigod is a lie. Subconsciously or consciously, the child then learns that Santa Claus is really only as real as the parent intention to make him real, and the child belief in that truth. The child grows up. Knows Santa is a fiction. And then they make Santa for their children too, because that's the only real thing about Santa — parents knowing it's a fiction and then passing it on anyways.

I just like...am deeply fascinated by this unique cultural training of accepting that the Santa deity isn't dead or anything so extreme, and even though he's made up, he is still extremely important and the fiction gets passed on while explicitly knowing and acting upon the fiction. Parents have to be Santa, they can't just encourage belief and sit back. No no, they must actively CREATE Santa's existence for the belief to work. And they do this willingly!

It's not that I think believing in a myth is unusual in any religion (like we don't need to believe hundreds of thousands of Israelites fled Egypt all at once to observe passover or even to think some Hebrews did flee Egypt and the legend developed from there, or w/e), so much as like, this is an incredibly obvious and well known one that every adult Knows 100% is Not Real, not even based on any kind of reality or possible actual legend, Santa doesn't have all those powers, he does not come to your house or get your wishlist (prayers).

No adult has a pure and genuine belief that Santa is a real being who visits and brings children gifts.

I just want to study everyone who actively is like "I don't believe in God or go to church but like, I'll obviously still do Santa for the kids, that's fun."

(Regina George voice: so you agree? Religion doesn't need to be grounded in imperial facts of science in order to provide substantial benefits to people, foster positive emotions and connections within communities, and for people to derive meaning from it? It doesn't matter if God is real, if you yourself make the benefits of God being real happen for yourself and others?")

[cashfacts]

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[prettybutter-flyy]

So I've been looking for a job so i can get my "financial troubles" taken care of. I say "financial troubles" bc I can recognize that its not SUPER bad. When i was between jobs, i was running that credit bill up, okay? I'm like 8kish in debt. Totally doable. I did pulled myself out of that before, but i was living w my family then, barely paying bills, able to put the majority of my paycheck into paying student loans. Now I'm all alone with basically no fallback, which is okay, bc im a big girl. Ive just got to get a second job. Ill be exhausted but itll only be for a couple months, as my current job sustains my expenses. Ive got some downtime right now at work, and ive been applying. I think ill take a receptionist job: higher pay, no manual work - sounds like a dream.

And then ive got to go work out today. Ugh i really dont want to. Yesterday was hard, i really didn't want to leave my room, barely wanted to leave my bed. But i insisted bc i *want* to change my life. So i did what i could, which was 40 minutes of upbeat Just Dance. I was happy that i did it, it was nice to just MOVE. I also realized i wasn't coordinated like i thought i was. But i had fun! When i get home, im immediately going to sleep (i work nights) , and when i wake up, I will work out. At this point i have been alternativing between pilates and skating, running 3 miles, Just Dance, and occasionally skating. I think I will skate and do pilates.

But i need to make an actual plan if im serious about this. One that balances fun things and serious things. Fun ways to excersize and intense excersize, time to veg out and watch tv, and times to create. Time to apply to jobs and time to see the guy I'm talking to. There must be balance. There must be a plan, theres so little time in the day.

I also need to go christmas shopping. Like im not 8k in debt. But christmas is coming up and i have 4 ppl to shop for.

My shit will be together by the end of the year or so help me.

[libra-stellium]

So I did and didn’t meet my savings goal lol bouta expose myself 😭

I did transfer almost 16k to my savings account during the year but there’s 8,443 left 😀 butttttt I paid off a 2k loan, and 3k credit cards and a 1k medical bill so that’s mostly where that money went!

The embarrassing part is that I totaled the things that I know I spent money on every single month and my top one was obvi rent (13k) and how much I have savings (8k) and the third on was Amazon at like 5k 💀💀💀 my most expensive month was November around 1k bc I was shopping for Christmas presents for myself and other people lol

After Amazon was DoorDash at 4k and Uber/UberEats at 3k and yes I have excuses for both of those! I was low key depressed most of the year and never touched my stove so that’s how I was feeding myself lol my grocery bill for the entire year was 600 and most of that was towards the end of the year when I started getting my shit together! I also don’t have a car but I didn’t feel like figuring out what Uber price was a ride and what was food so it’s combined.

I wasn’t lying when I said I was a shopaholic bc there’s like 18k that I spent throughout the year on things that aren’t regular monthly things and I’m just like 💀💀 wtf was that even for?? I’m thinking probably going out to restaurants for birthday dinners and brunch or just buying things at regular shops in person or online that I don’t recall on the spot and it’s so embarrassing bc that’s literally a down payment 😀😀

It was interesting to see how May was my most expensive month!! I hit 1k on food 😩 but I remember being down bad and ordering the expensive food was keeping me going so it is what it is lol I also traveled to two graduations that month so I spent a lot on clothes!

I don’t have a specific number that I want to save in 2024 but I think I’m just going to aim for lower monthly spending on Amazon, DoorDash and Uber. Maybe I’ll do the thing where like if you’re about to spend the money on something and it’s not a necessity just send that amount to savings.

As a shopaholic my goal is to save between 10-15k by January 1st 2024 and the first withdrawal to my savings just came out… lol

[loancenter1]

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[pennycallingpenny]