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am-i-the-asshole-official · 6 months ago

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AITA for refusing to pay my ex back money that I supposedly owe?

So, I was in a relationship with X for three years. We were engaged and lived together for one. During that time, we have some problem with money. Both of us lost our jobs kind of close together. We got new jobs, so rent wasn't really a problem, but day-to-day expenses like gas and groceries were.

X is trying to say that I owe them $1.4K or so because, during this time, they took out a couple of credit cards to make ends meet. They're claiming that I 1) knew ahead of time that they were taking out credit cards, and 2) agreed to pay them back when we were both in a more comfortable place.

I have no memory of this conversation we apparently had. I went through our messages (we use Discord so I had no problem searching for keywords) and nothing there, either.

During our relationship, X was always cagey about their finances. They have a bit of an independence complex because they want to establish themselves as capable without their parents. But that also meant that I never knew what bills they owed or how much — about anything. Even when they complained about costs, it was always vague.

Even agreeing to "pay them back" sounds weird to me because our relationship wasn't like that. We were partners and covered each other when we could, and repayment was never expected because, duh, we were planning to get married.

X has no evidence of me knowing about these credit cards in the first place, LET ALONE agreeing to pay anything back. They're claiming that they spent 24k in total on those cards in the year we were together, which seems INSANE to me. I have no idea how the fuck they managed to spend that much on two people.

They want me to pay them back because they took the credit cards out to support me, I guess — but, again, I never asked them to do that or even knew that they were. It's not like they were buying insanely fancy stuff, and they got paid more than me, so I just assumed their money was from their paychecks and they never said anything to make me thing that their debts were piling up.

I did offer to help them pay off some bills a couple of times, but they always declined. And I didn't offer out of obligation, I offered because I loved them.

But, tbh, even if I thought I did legitimately owe them money, I wouldn't pay them back, anyway, because we ended on very nasty terms and they still owe something like $4k to my parents, anyway.

So, AITA? Or at least justified in being "petty"?

#aita #am i the asshole

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drdemonprince · 17 days ago

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Would it make more sense to contribute money to my employers 401k to max out the match contribution or to instead just contribute a small amount and use the rest to pay off high interest debt or building an emergency savings (I have like 1.5 months worth of expenses saved and… $30k of credit card debt….). I was unemployed for a long time but now have a stable salaried job where I make enough to cover my expenses (credit card minimums, loans, groceries, rent, etc) and have a little left over that I divvy up between small treats (a movie ticket, a nice pastry, thrifted clothes), donation posts, and like an extra $50 credit card payment and I’m not fully sure the optimal way to use that small amount of money. I do need a small treat from time to time to not lose it (and socializing often costs money even if it’s a cheap activity) but maybe it’s better saving on getting a $10 movie ticket each month to potentially pay off my debt like a month faster a couple years from now? how do I create financial security without feeling like I’m putting my life on a depressing pause for a debt free future that won’t happen for a couple years (assuming I make the same money and don’t incur additional expenses)?

Yeah, you've hit on a really important piece here, which is motivation and long-term resolve. The Mr Money Mustaches of the world talk up the importance of stoicism and shit and preach reducing living expenses, but it's equally important to keep in mind what actively gives you enough hope, pleasure, and reinforcement to keep you going.

Cutting back on expensive nights out is one thing; removing all joy and socialization from your life and therefore nerfing your long-term ability to remain employed and earning is another matter entirely. Enjoy those movie nights out. Supplement with having friends over to stream something on your laptop and eat snacks, free museum days, you know, do lots of cheap shit in addition to the little treats, but dont deny yourself the treats. those arent extravagances, that's being ALIVE! and the only reason we aspire toward financial independence is so that we can live life as we wish to, rather than being owned by an employer.

Employer matches are pretty much a guaranteed double on your money, which is better than even paying off a loan in terms of earning potential. so I'd recommend socking away that 5% from your paycheck automatically, so that you never even have to think about it, and then budgeting any remaining expendable income on knocking out that credit card debt.

30k is enough to really hurt, especially with interest over time, but not so great that knocking it out is impossible. you can do this! make sure in particular to focus any unexpected income on paying down that debt. birthday money, tax returns, perhaps filling out some class action forms online, any little bit helps -- you may want to check out the Snowball Debt Repayment method, in particular, as a lot of people find it more motivating to have a few shorter-term goals. (Basically, if you have multiple credit card debts, focus on paying off the smallest one first, so you'll get the rush of having vanquished at least one beast).

Good luck!!

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my-autism-adhd-blog · 1 year ago

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Hi everyone,

I got an inbox asking to share some tips for financing when you’re autistic. I found a helpful guid from the National Autistic Society:

Budgeting

The first step to managing your money is to work out a budget and stick to it. Budgeting will help you:

* keep track of what you are spending

* help you to avoid going overdrawn on your bank account by spending money that you don't have

* decide whether you can afford to buy something that you would like

* deal with debt by planning repayments that you can manage

* work out how much money you may have to save.

Bank, building society or post office accounts

Most people now have one of these types of account. The benefits of these are:

* it will keep your money safe

* you can pay bills more simply by direct debits or standing orders

* internet banking is now widely available. This reduces the need to visit banks and other services that autistic people may find difficult

* benefit payments can only be paid into an account

* you can have a debit card, making it easier to pay for purchases and you can shop online

* you may be able to earn interest on the money you have

* you can pay bills by direct debit or standing order, which are sometimes rewarded by a reduction in what you pay for services

* you can use your cashpoint card to access money easily from cash machines in the UK and sometimes abroad

* your bank or building society may be able to give you an overdraft or loan.

Debit, credit and store cards

There are a number of different cards that you can use to make a payment. These include:

* cashpoint and debit cards

* credit cards

* store cards.

Borrowing money, making payments and debt

It's easy to think of a loan or overdraft as free money, but it’s actually expensive as you have to pay back the original amount plus interest. Try to only borrow money when you need to and repay it as soon as you can. There are many ways of borrowing money, including:

* borrowing money from family or friends

* having an overdraft

* taking out a personal loan or secured loan

* applying for a credit card.

The full article will be below, as it goes into more detail. I hope this helps many of you.

National Autistic Society

#autism #actually autistic #autism and finance #how to manage financial issues #tips on financing #how to save money #feel free to share/reblog #National Autistic Society

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theonlythingtheyfearistruth · 24 days ago

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WHY DYSTOPIA MUST BE BORING TO SUCCEED

The "Boring Dystopia Strategy" is a highly strategic and often subtle method employed by those in power to create an enduring, all-encompassing authoritarian government. The genius of this approach is that it doesn't look like a dystopia at first glance. Each step toward oppression is disguised as a necessary solution to a societal problem, creating a series of small, unassuming changes that collectively transform society into a high-surveillance, debt-ridden, and highly regulated landscape. The result is a quiet but relentless march towards a government structure that controls nearly every aspect of daily life, cloaked in the language of safety, responsibility, and "public good."

Key Components of the Boring Dystopia Strategy

Enhanced Surveillance as Crime Prevention Surveillance systems are marketed as tools to make communities safer. The rationale is straightforward: if there are cameras everywhere, criminals are less likely to act. At first, this seems like a good idea. However, as surveillance expands, it reaches a point where privacy no longer exists—every action and interaction is tracked and recorded. People's movements, purchases, conversations, and even thoughts (through social media and data mining) become data points in a government database. The population is conditioned to accept surveillance under the guise of crime prevention, even though the surveillance network eventually exists to deter any resistance to the growing system of control.

Financial "Disincentives" as a Form of Behavior Control Insurance companies, incentivized by government policies, implement "dynamic" pricing models that penalize risky behavior. Drivers with even minor infractions, young drivers, or anyone with imperfect credit face skyrocketing insurance costs. While it’s presented as a means to reward safe drivers and reduce accidents, it’s ultimately a method of forcing people into line. Over time, these small financial penalties accumulate, and as people find themselves unable to afford the rising costs, they are pushed further into debt or forced to depend on the very government that created the conditions of their hardship.

The Department of Bureaucracy: A Growing Web of Useless Jobs New laws and regulations are introduced to solve every conceivable social issue, resulting in bloated departments filled with superfluous workers whose roles add no real value to society. The justification is often to create jobs and stimulate the economy, but these positions end up creating layers of bureaucracy that slow down meaningful progress. This web of inefficiency puts financial strain on both the government and the people, leading to higher taxes and fees. With each new law or regulation, the cost of compliance grows, straining both businesses and individuals who can't afford to play by an ever-increasing list of rules.

Rising Cost of Living as an Inevitable "Economic Shift" As government regulations add costs to every industry, prices naturally increase. This is explained away as the cost of progress or as an unfortunate byproduct of addressing critical social issues, like "ethical sourcing" or "green initiatives" that are actually revenue-boosters for corporations. As inflation rises and wages stagnate, the lower class is squeezed financially. Each attempt to improve their situation—whether by taking a second job or reducing expenses—is offset by further price increases or surprise taxes. This creates a cycle where economic mobility is nearly impossible, locking the lower class in place.

Debt as a Tool for Control As the cost of living rises, debt becomes unavoidable for many. Loans, credit cards, and financing options are promoted as solutions, pushing people into a system of lifelong debt repayment. With growing financial obligations and little hope of ever breaking free, individuals are forced to work harder, often taking on additional jobs, which leaves them with less time and energy to question or resist the system. Debt chains the population to the very system that oppresses them, creating a sense of dependency on government stability, even as that stability is the source of their financial despair.

The Final Stage: Disempowerment Disguised as "Efficiency"

As the population is weakened by financial strain, endless surveillance, and a tangled bureaucracy, the final stage involves introducing measures to "simplify" governance. This might mean fewer elected officials, streamlined decision-making processes, and the merging of regulatory bodies for "efficiency." In reality, this final stage centralizes power even further, leaving those at the top with almost unchecked authority, a situation that the people, too exhausted and indebted to resist, accept as necessary.

The Boring Dystopia Strategy works because it does not announce itself as an authoritarian takeover. Instead, it subtly shifts the balance of power by presenting every oppressive measure as a solution to a social ill. And because each step is introduced slowly, over decades, the population becomes accustomed to the new reality, accepting surveillance, debt, and regulation as the normal costs of a safe and responsible society. By the time people realize the extent of their powerlessness, the dystopian state is fully entrenched, with every escape route closed off.

#us politics #us elections #dystopia #late stage capitalism #despotism

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notfinancialadvice · 2 months ago

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"The feds cut the interest rate by 0.5% or as some people say 50 basis points what should I do?"

as per usual this isn't financial advice

it is... rambling

The thing you should do is look at anything that you are paying interest on -- loans, credit cards, mortgages, etc. -- and see if the rates go down.

Or if you don't mind opening up the ol' customer service email to your loan provider: "Will my interest rate be affected by the recent federal rate cut?"

If it is a "fixed interest rate" the answer will be "no"

If it is a "variable interest rate" the answer is "maybe" and depends on how much they want to keep your business (i.e. how difficult it is to go elsewhere).

They are not legally obligated to cut your rate, but, borrowing money just got cheaper, so if you can go elsewhere and they don't drop your rate, consider it.

Repeat: Consider it.

via

If you are borrowing $1,000 across 10 years with an interest rate of 6% you will pay $332.25 in interest across the life of the loan. This is (rounded) $33.23/year averaged.

If you are borrowing $1,000 across 10 years with an interest rate of 5.5% you will pay $302.32 in interest. This is (rounded) $30.23/year averaged.

For easy math, we'll say you took out the loan the day before, and refinanced the day after, the interest rate change took affect.

Original total interest: $332.25 minus New total interest: $302.32 equals A savings of: $29.93 across the life of the loan

That doesn't sound like much, right?

$29.93 / $332.25 = 0.09... = 9%. Borrowing money got 0.5% cheaper, you end up saving 9% across the total amount of your loan.

"Why wouldn't I do this? Why do you say consider it?"

Because changing loans often has fees.

Using the above example is a fee-less situation.

Depending on your loan, credit card, etc. you might have to pay a percentage or a flat fee (or both). This is especially common in credit card balance transfers -- so saying, it's frequently capped... so... unfortunately you have to do math.

Play with this site.

I am not affiliated with this site in any way, shape, or form.

I know.

It's a lot of math.

Credit cards are (often) a good thing to refinance via balance transfer. It can affect your credit because it gets pulled for the new card, so be careful about that. Also, as always, watch out for fees.

Personal loans, similarly so.

Mortgages are trickier because the complex structures, but it's worth looking into.

Student loans (frequently) are "Federal interest rate + X%" so will float down naturally, but it's always good to check.

"Should I use the extra cash saved to pay off my loan faster or save it?"

Really, really, really common and equally complex answer.

Start with "how good is your emergency savings?" Then "will the extra cash noticably improve your day-to-day or other financial goals?"

Assuming not, and you want to pay down the loan faster because that will help your goals more

Using the same site as above, but switching to mortgage calculator because that has a "pay extra towards" box

Original monthly payment: $11.10 New monthly payment minimum: $10.85 Difference: $0.25

I don't know this show so I hope these people aren't bastards. I'm hoping my context of "This can be handled" is coming across.

So you say "my minimum payment is $10.85, but I'm going to keep paying the original pre-fed cut of $11.10 anyway. I am paying $0.25+ monthly."

You would pay off the loan about 3 months early and save $9.64 in total interest (about 3.19% less total interest on the entire loan).

This may or may not be significant, Depending On Your Actual Numbers.

Your final task is to figure out what will help you live your best life -- paying a loan off slightly faster and cheaper, or doing something else entirely.

It is so tempting to say "I NEED TO PAY OFF LOANS AS QUICKLY AS POSSIBLE" because debt is (frequently) seen as having some sort of moral structure assigned to it.

"Good debt versus bad debt" etc.

...end this in your mental thinking as quickly as possible. Do not allow money to have a moral or ethical stance. It is a social force. Declaw it in your mind.

The usage, hoarding, acquiring, whatever of money -- sure, give that a value if that fits into your worldview -- but money as a social force is as neutral as gravity is a universal force.

When considering your debt, look at the cost.

It should be serviced as cheaply as possible in the best possible terms you can get.

When you reconfigure the loan to a new structure and now have less of a resource drain, you are not better as a person because you were not worse before.

You get to re-do the thoughts, "I have +X resources now. How can I use them to build my life?"

That's it.

As always, this ramble is brought to you by a lifetime of having to fucking figure out the world of money, business, etc. myself and I am pissed off by it and the resolution of that anger is spreading information as possible

I did not have a mentor.

I hope you do.

I am not your mentor.

I do not mentor people. I am ill equipped from a personality standpoint.

But hopefully this inane rambling will help answer questions until you get one, assuming you want one.

:-)

#aging tumblr population #money #federal rate cut

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calbun · 1 year ago

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Financial aid for my friend Jareth and his cat!

So, @schlongdestroyer3000 has been struggling with credit card debt, student loan repayment, and affording his cat Butter’s medicine (he has a respiratory condition and needs an inhaler), all with no means of income.

We’re looking at 400$+ for all of that, which he doesn’t presently have. If you can pitch anything to get him to that goal, it would be appreciated. If you send me proof of payment, I can do some art of your choice for you!

Please send your donations to his Cashapp:

$JarethWorm

But if you have to, you can also send them to me, wherein I will forward the payment to him:

My Ko-fi

Thank you! bubber ^^^

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gatekeeper-watchman · 2 months ago

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BABYLON AND THE BEAST

THE FALL OF BABYLON

Revelation 14:8 says “And there followed another angel, saying, Babylon is fallen, is fallen, that great city, because she made all nations drink of the wine of the wrath of her fornication.” We’re going to see this Babylonian system, the world system, fall. The world system is already shaking, it’s already falling. We’re seeing things fall that we thought were never going to fall. We cannot put our trust in anything in the world. If our trust is in a retirement check we may not get it. If it’s in social security it may not be available. It is not wrong to take social security but we shouldn’t rely on anything or anyone outside of the Lord as He is our provider. He will always take care of us, only not in the way we think. So who or what can we trust? We had better be trusting God as our source in the days ahead because the whole Babylonian system is falling.

“Babylon is fallen, is fallen, that great city” (Revelation 13:8a). What great city? The great city Satan built, his system, and his people. “Because she made all nations drink of the wine of the wrath of her fornication” (Revelation 13:8b). Every single nation has committed fornication with the system of the beast. I love my own country, America, but she is under the beast system just like every other country. America is not doing the will of God; she’s not serving God. If she was she wouldn’t be in such a miserable state.

There is more freedom in America than in many nations, but she’s still part of the beast system for Satan has infiltrated all nations. (Heretofore, God has blessed America because of the holy nation within her, that is, the Christians within this nation.)

The wine that all nations have drunk of is the wine of false teaching, whether it be false doctrine or false teaching in medicine, politics, economics, or whatever. For example, economics in our nation has not been taught based on God’s Word. It’s been taught based on lust: buy now and pay later, but the day to pay soon comes.

That day is here for America so we’re seeing bankruptcies and economic failings. The Bible teaches economics differently. God is a great economist and can teach us how to get our finances in order. He can teach us how to be free from debt. Unfortunately, even Christians who are delivered from debt often fall back into it because they want things now rather than waiting for God’s provision.

If God is speaking to get out of debt, then we must obey God and ask for His grace to be content and to wait for His provision. We’re to be content with what we have and use our faith to see God supply whatever else may be needed. “For we brought nothing into this world, and it is certain we can carry nothing out. And having food and raiment let us be therewith content” (1 Timothy 6:7-8). We don’t condemn anyone for being in debt, but we should make becoming debt-free a goal. Let’s make it our goal to get out of debt, rather than getting deeper in. We need to stop someplace and say, “No more! I’m not heading in that direction anymore. God help me; show me Your plan for getting out of debt.” Then God will help us.

God has His economic system that works if we obey it. He has His system for all things. Credit card debt can also be a snare for many. Credit in itself is not evil as the Bible declares God’s people are under financial blessing, able to lend and not borrow. Deuteronomy 28:12 says, “The Lord shall open unto thee his good treasure, the heaven to give the rain unto the land in his season, and to bless all the work of thine hand: and thou shalt lend unto many nations, and thou shalt not borrow.”

If credit cards are used for convenience and keeping records and the repayment terms are kept timely, there is no sin involved. However, if we abuse them and we have a disease called “credit-card-itis,” we should dispose of them until we are disciplined enough to use them wisely. Sin is not in “things” but rather in the heart of man.

This applies to watching television also. If we are disciplined enough to watch Christian programs and videos and certain other secular programming that doesn’t defile us, it is not sinful. However, if we cannot control what comes over the set, it would be better not to own one. We did not have a TV in our house for over 15 years because the Lord directed us to get rid of it. Today we have one, but we only see things we feel are not detrimental to our walk with God. Psalm 101:3 says, “I will set no wicked thing before mine eyes: I hate the work of them which turn aside; it shall not cleave to me.”

If we have lust and materialism in our hearts, we are sure to misuse all of our modern-day equipment and opportunities, including credit. If lust is a problem, we should ask God to cleanse us from this sin. Spiritually the “mark of the beast” is not credit card numbers, but rather being numbered by the beast nature within. (I am not saying there will not be some kind of physical marking, but before the physical comes about, things will have already occurred in the spirit that will produce the manifestation of the things in the physical.)

Bud and I both had to be set free from the bondage of credit, as it had power over us instead of us in control over it. Since we desire to be overcomers, the Lord gave us a plan to become debt-free. He will do the same for all who desire to live the overcoming life.

(Excerpt from the book entitled The Mark of God or The Mark of the Beast)

MY VOICE TO THE CHURCH

Some may not be familiar with prophecy in the church. I want to share this short explanation of Biblical prophecy before I share my actual words from my comforter.

First, what is Godly prophecy? It can be summed up as words that are spoken on behalf of God. A prophet or prophetess is a spokesman for God. It is a divine utterance that comes from the Holy Spirit. (Note: Just as there are prophetic words from God, there are also false prophecies that the Lord warned us about in the Bible. In Matthew 7:15-16a, Jesus said, “Beware of false prophets, which come to you in sheep’s clothing, but inwardly they are ravening wolves. Ye shall know them by their fruit….” We must prove the source of prophecy before accepting it as coming from the Lord.)

God is raising up many prophetic voices on the earth today. His gifts of prophecy are basically of two types. One is the “simple gift of prophecy” which every believer can express under the unction or direction of the Holy Spirit after they have been filled with the Holy Ghost.

The other is the “office gift” of the spirit which is given to a prophet or prophetess who is called to the “five-fold” ministry office as outlined in 1 Corinthians 12:28 which says “And God hath set some in the church, first apostles, secondarily prophets, thirdly teachers, after that miracles, then gifts of healings, helps, governments, diversities of tongues.” Also, Ephesians 4:11-12 which says “And he gave some, apostles; and some prophets; and some, evangelists; and some, pastors and teachers. For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ.”

The basic difference between these two types is, that the simple gift of prophecy is given to all spirit-filled believers as spoken of in 1 Corinthians 14:31: “For ye may all prophesy one by one, that all may learn, and all may be comforted.”

It is for the purpose of edification, exhortation, and comfort as spoken of in 1 Corinthians 14:3: “But he that prophesieth speaketh unto men to edification, and exhortation, and comfort.”

The “office gift” of a prophet or prophetess is given to speak to the body of Christ at large. The ministers who are called to the office of a prophet or prophetess will deliver messages also which include edification, exhortation, and comfort but their messages can also be directive in nature and futuristic in content as well (Ephesians 4:11-15).

Presently, God is leading His people with prophetic preaching and teaching. A prophetic movement is taking place in the world.

PROPHECY FOR THE 1990’S AND BEYOND

CHANGE – The 1990s hold many changes. Change must come to the Body of Christ for revival to come into the earth. As changes are wrought within, changes shall be perceived without. The Church is going to take on a new look and the world will no longer mock her. They will either love and respect her or hate and fear her. This, however, will only come about after the Lord has done the work in His Bride, the church.

INCREASED PRAYER NEEDED – The Lord is calling and warning His people to heed His Word, His prophets, and His ministers because the final call is coming soon and it will be too late for many who thought they could continue in their carnal lifestyles and just “add on Jesus.” God is emphasizing prayer, both personal and corporate. The Lord will be requiring us to correct any faulty prayer habits. We must have regular, disciplined prayer lives. The “nickel-and-dime” prayers will no longer be accepted or sufficient to shield us from Satan’s onslaught. We must all partake in personal, family, and church prayer times. The Lord will lead us into spiritual warfare so that we may begin taking our promised land. Spiritual warfare is not to be considered an option, but a necessity.

From: Steven P. Miller, @ParkermillerQ, gatekeeperwatchman.org TM, Founder and Administrator of Gatekeeper-Watchman International Group

‎Monday, 16 September, ‎2024, Jacksonville, Florida., Duval County, USA. , X … @ParkermillerQ

Instagram: steven_parker_miller_1956

#GWIG, #GWIN, #GWINGO.

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crednow · 3 months ago

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What are the essential factors to consider before applying for a personal loan?

When considering applying for a personal loan, there are several crucial factors to evaluate to ensure you make a well-informed decision:

Credit Score: Your credit score plays a significant role in determining your eligibility for a personal loan and the interest rate you’ll be offered. A higher credit score usually qualifies you for better terms.

Interest Rates: Compare interest rates from different lenders. Even a small difference in rates can have a significant impact on the total amount you’ll repay over the life of the loan.

Loan Amount: Determine how much you need to borrow and ensure it aligns with your financial needs and repayment capacity. Avoid borrowing more than necessary, as this can increase your debt burden.

Repayment Terms: Understand the loan’s repayment schedule, including the length of the loan term and monthly payment amounts. Choose a term that fits comfortably within your budget.

Fees and Charges: Review any additional fees associated with the loan, such as application fees, prepayment penalties, or late payment charges. These can add to the overall cost of the loan.

Eligibility Criteria: Check the eligibility requirements of different lenders, including income level, employment status, and existing debt obligations. Ensure you meet these criteria before applying.

Lender Reputation: Research the reputation of the lender. Read reviews and compare customer experiences to ensure you’re dealing with a reputable institution.

Loan Purpose: Be clear about the purpose of the loan and ensure it aligns with your financial goals. Some lenders may have restrictions on how the loan funds can be used.

Impact on Credit Score: Understand how applying for and managing a personal loan will affect your credit score. Multiple applications within a short period can negatively impact your score.

Alternative Options: Consider other financing options, such as credit cards, lines of credit, or borrowing from family and friends, to ensure a personal loan is the best choice for your situation.

By carefully evaluating these factors, you can make a more informed decision and select a personal loan that best suits your financial needs and goals. Read more: Personal loan

#personal loans #crednow

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ampersandra · 1 year ago

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most of my priv student loan repayments started early bc i took a year off right after covid hit & it messed with my deferment periods ($221/month rn, plus my last one adds $72 in sept & then gov ones start in oct) but i cant get a job until late july at the earliest!!

my credit card debt is higher than my checking/savings combined rn & ill be out of town for ~3 weeks soon (working w family, then visiting a friend) so even if i minimize costs/dont just get paid in meals, i still wont be doing too hot! pls send some help my way & share if you can :,)

v*nmo: tjbee

p*ypal.me/trinitybee

#tj talks #also maybe dont tag this w the usual stuff. idk how much of tumblrs tagblocking/shadowbanning is real but i dont want to take any chances

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classicquid · 5 months ago

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Short Term Loans UK Low-Interest: Variations in Lender Terms and Conditions

People may need to look through a large number of company names before they find one when they finally put in the effort to find a direct bank that offers short term loans UK. For people that prioritize working with loan specialists, have previously worked with one, or have heard positive things about a certain company, their search is quite straightforward. In order to obtain the greatest credit practices, some people could go directly to their bank. You might end up using your bank or finding a reputable short term loans UK direct lender expert with cheap interest rates, depending on how you appear.

Should you reach the end of your loan term and find that you do not have sufficient funds in your account to reimburse the short term loans UK, you will face several challenges. If the assets aren't available, your bank will charge you an overdraft fee. The advance firm will try to swap the assets from your record. At that point, the creditor will charge you a fee for failing to pay the advance and carry it over to the following pay period. Your debt will continue to grow as a result of the high interest rates that will continue to be applied to the credit.

Family finances have been managed by people for a long time with limited or nonexistent charge card use. Some folks don't require a debit card; they just appreciate making payments with short term cash loans. Some persons were unable to use credit because they misused it or made mistakes with the obligation partition. Credit-tested people approach quite a bit of what the credit customers of the world have had easily accessible, since the majority of bank platinum cards may also be used as Master Cards. There's no sense of accumulated intrigue or fear of obligations. Charge cards directly deduct payment from your account balance. You will be responsible for overdraft fees and dealer non-funding fees if you are unable to make the installment payment.

You may require something as simple as basic supplies suddenly running out, or you may need something more substantial like extra money to pay for a wedding band or a big festival. Even though you may be certain that you can pay back any platinum card advances by your next paycheck, these advances come with a lot of risks. The repayment period for these short term loans UK direct lender is typically fourteen days, and the interest rate is typically between fifteen and thirty percent over that period. Though translated into an annual percentage rate (APR), that is an incredible 390 percent to 780 percent - far, absolutely more than the most over the top Visa charges. That may not appear like much more than charge card financing fees.

Since you can now compare loans online, getting turned down by your bank doesn't mean the end of the world. Classic Quid is one of many lenders that could be able to provide you with a short term loans direct lenders even if your credit score isn't the best. Because we recognize that your past financial performance may not accurately reflect your current circumstances, lenders will consider your current financial status when determining whether you will likely be able to repay a £1,000 loan if you have poor credit.

https://classicquid.co.uk/

#Short Term Loans UK #Short Term Loans UK Direct Lender #Short Term Cash Loans

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paydayquid · 5 months ago

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How much time will it take to get the £1000 Short Term Loans UK Direct Lender?

We makes it easy and quick to apply for any kind of loan; you may quickly learn if you qualify in a matter of minutes. Subsequently, if your application is accepted and meets the requirements for a short term loans UK direct lender, we will attempt to deposit the funds into your bank account on the same day of approval. It could take up to five business days during peak periods.

With Payday Quid, applying for short term loans UK direct lender is quick and easy, and you may quickly learn if you qualify. The money could then be in your current account in a matter of hours if your application is accepted after undergoing the necessary verifications.

One item that everyone needs in their life is money. Nobody wants to have a financial catastrophe while moving through life. However, emergencies are uncontrollable and can arise in a variety of circumstances, such as when your car breaks down unexpectedly, your mother becomes ill, you have to pay off debt, and so on. At that point, you require extra cash assistance to cover these kinds of emergency bills. In the event that your loan application is turned down without a debit card, short term loans UK have shown to be an excellent source of additional funding for those who have fallen on hard times financially.

With short term loans UK, you are able to obtain an amount between £100 and £2,500; nevertheless, the amount that is offered is not secured by your assets. Your collateral won't be lost thanks to this kind of feature. Since they don't own a property, tenants and non-homeowners alike are welcome to take advantage of these financial services without hesitation and pay their bills on schedule. There is tight reimbursement with a short repayment period ranging from 14 to 30 days. Interest rates compared to regular loans could be a little higher at the specified fund.

The main benefit from short term loans direct lenders is that borrowers with poor credit histories—defaults, arrears, missed payments, foreclosure, CCJs, IVAs, or bankruptcy—can benefit from not having to worry about credit checks. In spite of the borrowers' dubious credit histories, the lender has consented to aid them as long as they meet the requirements before disbursing any funds. The customer must meet certain requirements in order to receive direct cash deposit: they must be over the age of 18, a resident of the UK, a full-time worker, and have an active bank account.

Same day loans are rapid and simple to obtain online, from the comfort of one's home or place of business. The advantage of applying for a same day loans UK is that all of the requirements are completed instantly, saving the consumer from having to complete time-consuming paperwork or faxing documents. All the customer needs to do is complete an easy, safe, and cost-free application form to provide the lender with the necessary loan details. The lender will then rapidly approve the funds and swiftly transfer the money into the designated bank account. Because of this, getting a loan during a financial crisis is never difficult for people.

https://paydayquid.co.uk/

#Short Term Loans UK #Same Day Loans UK #Short Term Cash Loans

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