#debt fund

[biggest-gaudiest-patronuses]

*tries to organize my thoughts*

*remembers i'm not in school and therefore beholden to neither heaven nor hell nor any man's grading system*

*joyously shredding & tossing all my carefully arranged 3x5 mental notecards into the air like so much beige confetti. raising my arms in victory, cheering raucously until i accidentally inhale bits of homemade confetti*

(*coughing up itty bits of paper like a cat evicting a hairball with a firm understanding of tenants' rights*) wait wat happens next

[800-dick-pics]

Help a Black Disabled Lesbian out of debt for Black History Month!

In the past month(s) ive had to max out my credit card to survive and now my monthly payments are $492. Due to disability I have limited/no income at the present and jobs are not clamoring to hire a visibly disabled Black person. I am in the long process of training a service dog so I CAN work a traditional job in the future but for now I need support. If you can pls support n share this around.

Happy Black History Month!

CA: $sleepyhen

VN: wildwotko

DM 4 P@ypal

[creations-by-chaosfay]

Emergency Roof Repair and Storm Cleanup Commissions

As mentioned in previous posts and pinned @anotherdayforchaosfay , we have just been through a natural disaster. Please read the pinned post on that blog. Updates will be added once we get outside and photograph the damage for our insurance claim.

I have opened commissions three months earlier than planned because we need to raise money to cover our insurance deductible as well as hiring someone to remove the tree from our roof and yard. The tree is owned by a lazy landlordlord who owns the property next door. We have told him repeatedly it needs to be trimmed or there will be damage. His property got a quick install sunroof.

I have four slots available across the board and prices start at $150 USD.

I have made the option of commissioning me for a quilt available. Three finished quilt tops are listed as commissions because they're ready for handquilting. Several people have inquired about one of the tops, so now's your chance to have it done sooner than later.

If you can do only a partial payment right now, DM me. I'll write up a contract for payments, and will require 50% upfront and weekly/monthly installs after that. You will then receive an invoice.

Commissions will begin immediately because we now have power.

I will close commissions when all slots are filled or June 1st, 2024. Whichever happens first (hopefully the former). If slots are filled, I will reopen them again after I finish all the commissions. I work fast and may complete six quilts netween now and then.

Donations are accepted,and there are four listings available in my shop with the option to pay more than my asking price (if you add an extra zero, I may very well cry).

Samples of my work below as well as in my gallery.

[bitchesgetriches]

Hi Bitches! First, thank you for all of the help and advice you guys offer 💜 I had a question for you - I currently have some credit card debt, and I pay the minimum payments every month, but I’m trying to figure out a method to pay it down faster with my limited funds. Currently, I have 10% of my paychecks going into savings automatically. Do you think it’s wise to pause that for the moment and put that 10% towards credit card payments? This would mean about an extra $250-$300 towards a card per month, but my savings is just over $1k at the moment, so I’m hesitant. Anyway, just wanted to get your thoughts! Thank you again!!

Honey, we are THRILLED that you are thinking so logically about this. You're doing us proud and we know you're going to be fine.

So the first thing to decide is how big of an emergency fund you need to be safe. Here's our guide for that:

You Must Be This Big to Be an Emergency Fund 

Once your savings reaches your emergency fund goal number, then you should treat your debt like an emergency. That means putting what you WERE saving toward the debt instead. The ONLY way to successfully pay down debt without paying out the ass in interest is to pay more than the minimum. Here's more advice for how that works:

How To Pay off Credit Card Debt: From the Snowball to the Avalanche Method

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

You got this, kiddo!

Did we just help you out? Join our Patreon!

[arabaka]

queer latina desperately needs help. ($495/999)

i'm drowning and i don't know how much more of this i can take. the last few months have been the worst of my life.

i've lost two close friends. i've been learning about my abuse as a child and later SA on top of my already existing mental illnesses and other diagnosis. as if i needed more trauma, my cats, my babies, have been terribly sick.

i've already lost one (chompy, bottom right) to kidney disease. toothless and copper (right side) needed emergency dentals and we nearly lost toothless. then chachi (top left), my light, got a tumor and i got the worst news of my life. her breast cancer is back and it's aggressive. idk what i'm going to do without her.

everything has amounted to $999 and that's only so far. i'm a struggling, queer latina who is the breadwinner of my family of 5 (two of which are my parents who were/are my abusers and i cannot afford to leave) and i make below the average salary.

i know this is a writing blog but i'm desperate. thank you for reading. love and light your way.

GoFundMe

Cashapp $jacklynzapiain

Paypal @ jacklyng95

Venmo @ jacklynzapiain

[hexcodesims]

fundraising for palestine!

if you feel pushed to help palestinians with donations after the ICJ ruling as well as the news that many western nations have paused funding for the UNRWA, i hope i can give you a little incentive.

send me a screenshot of a donation you made to a mutual aid fund or charity for palestine (here's a link to a tumblr post with a variety of different funds/charities), and i'll post a piece of cc for every $20 raised. i'll stack the amounts donated, so if four people donate $5 that'll count as one piece of cc!

if possible, please make sure that your receipt screenshot has a date in it. and if you made a donation earlier this week, feel free to submit anyway! i'll count everything back until 1/21/24.

(also, if you made a $10 donation to esims for gaza you can get a piece of art from the cartoonist cooperative)

thank you if you decide to make a donation!

Total: $62

[ausetkmt]

https://x.com/NewBlackMan/status/1702891802833904057?s=20

er 15, 2023September 15, 2023

Georgetown University and the Jesuits have pledged $27 million in money and land donations to the descendants of 19th-century enslaved people who were sold to fund the highly prestigious institution.

According to CNN, the Descendants Truth & Reconciliation Foundation confirmed the gifts of $10 million from Georgetown and an additional $17 million from the Jesuits in the form of financial retribution and plantation land.

“These contributions from Georgetown University and the Jesuits are a clear indication of the role Jesuits and other institutions of higher education can play in supporting our mission to heal the wounds of racism in the United States, as well as a call to action for all of the Catholic Church to take meaningful steps to address the harm done through centuries of slaveholding,” Monique Trusclair Maddox, CEO of the Descendants Truth & Reconciliation Foundation and chair of its board of directors, said.

The donations hope to be a crucial step in rectifying the injustice enacted upon 272 enslaved men, women, and children sold from Jesuit plantations to settle Georgetown’s debts in 1838.

The long-term plan of Georgetown is to pledge over $1 billion through the Descendants Truth & Reconciliation Foundation. According to CNN, the Jesuits made a $100 million commitment to the efforts in 2021. The foundation will use the funds to invest in the lifelong education of descendants, endow programs invested in anti-racism advocacy, and provide support to elderly descendants throughout their lives.

“It is an honor for our University to have the opportunity to contribute to their efforts. The difficult truths of our past guide us in the urgent work of seeking and supporting reconciliation in our present and future,” Georgetown President John J. DeGioia said.

In recent years, the university and the Jesuits have issued public apologies for the atrocities enacted upon the enslaved by the institution’s founding body.

[lautakwah]

VACATION APPROVED LET'S FUCKING GO!!!!!!!

[mikkeneko]

Consider: Cang Qiong High School Host Club.

.....Huh.

Hmmmm.

[du-hjarta-skulblaka]

Hey folks

We recieved another £40 (bringing the total this month to £78 I think?) Which is gonna go on electricity in the next few days

But im primarily making this post because Alfie has set up a GoFundMe. The goal is pretty huge (I'll be real I neither expect nor. Especially want to recieve that much) but they've been calculating exactly how much debt we have and what we need to make it go away. They also go into a lil bit of detail as to our situation to explain why we are where we are, although I know most folks that follow me are pretty familiar.

Anyway, even if you don't plan on donating it would mean alot to me if yall could spread this around. My own discomfort aside, it would genuinely be life-changing for both of us. Thank you so much for reading and for all of the support you just. Keep on giving. Yall are awesome.

[bitchesgetriches]

Hi bitches! I have some spare money from this semester's student loans and I was wondering what you think I should do with it! Thanks!

If you don't have any living expenses (rent, groceries, internet bill, heating, parking, public transit, etc) or school expenses (books, lab fees, etc) or medical expenses that need covering right now... SAVE IT.

I don't know the details of your loan and how soon you have to use the money, but if you can save it for a later emergency, that would be my advice.

You Must Be This Big to Be an Emergency Fund 

What We Talk About When We Talk About Student Loans 

Did we just help you out? Tip us!

[eaglesnick]

“Leverage is the reason some people become rich and others do not become rich” - Robert T Kiyosaki

The privatised water companies have been demanding price rises of between 24% and 91% over the next five years according to the Consumer Council for Water. The mainly foreign owned "English" water companies want to invest £96bn in water and sewage restructuring between now and 2030. New reservoirs, the first for over 30 years, will be built, leaks will be reduced and less sewage will be pumped into our waterways and seas.

Amen to that! But wait…

“English water firms have handed £57 billion to shareholders in the 30 years after privatisation.” (The London Economic: 28/10/21)

We, the consumer, having generously contributed to foreign share dividends for three decades to the tune of £2 billion per year, are now expected to part with even more money to pay for 30 years of private water company neglect. Meanwhile, the CEO’s of these private companies gave themselves a 20% pay rise for the year 2021-22, pocketing £24.8 million.

None of these facts are particularly new but what really irked me yesterday morning was an interview on BBC’s “Today" programme with David Henderson, CEO of Water UK, the organisation that represents all of the privately owned water companies.

Stressing the country’s need for “economic growth", Henderson said this would not be possible unless the water companies were allowed to drastically raise the price of water to cover the cost of investment needed to upgrade our water infrastructure. Talking of the need to increase water supply he stated:

“We have not built a reservoir in 30 years, even though our population has risen by 20% in that time. And that’s because we have been blocked by regulators and by planning officials around the country.”

The cheek!

According to New Civil Engineer magazine (01/09/22)

“There is a seemingly direct link between the 1989 privatisation of water companies in the UK and the ceasing of new reservoirs being built. While there have been a number of flood alleviation reservoirs built by the Environment Agency in this time, the water companies have not invested in potable drinking reservoirs.”

While I have no doubt that some applications for new reservoirs have been refused by planning authorities the main reason for inadequate reservoir capacity is the reluctance of the privately owned water companies to spend money on investment. Despite what David Henderson said on the Today programme this is a headline from the Express:

“Water firms ‘sold off reservoirs that could have eased drought' - Profit ahead of supply" (10/08.22)

In defending the private water companies Henderson was merely doing his job - after all that is what he is paid to do - but unfortunately their behaviour is indefensible. The reason that our waterway infrastructure is near collapse is not because investment plans have been blocked by “regulators and planning officials" but because of greed.

When Margaret Thatcher privatised the previously publicly owned water companies she sold this national asset for a grand total of £7.6bn. In addition she gave the newly created privately owned water companies a “green dowry" of £1.5bn. At time of purchase the water companies were totally debt free.

Fast-forward and what do we find?

“Water firms’ debts since privatisation hit £54bn as Ofwat refuses to impose limits.” Guardian: 01/12.22)

The water companies have spent the last few decades borrowing money, not to improve the water supply and sewage disposal infrastructure, but to pay dividends to shareholders. According to Ofwat’s own figures the water companies have been running ratios of debt to capital value as high as 80%. Water company share holders (70% owned by foreign investors) have received £65.9bn in dividends and it is calculated that 20% of household water bills go towards paying for the debt that rewards these shareholders.

Rachel Reeves much heralded national wealth fund is supposed to be a central plank of the Labour governments “Green Prosperity Plan” but Labour’s earlier promise to nationalise the dysfunctional private water companies has now been abandoned.

David Henderson has issued what in effect is a blackmail ultimatum to the new Labour Government that without massive price rises in consumer water bills, the Labour Party can kiss their dreams of economic growth goodbye.

Today Ofwat, the water regulator, sanctioned an average increase in water bills of 21%, some companies charging as much as 44% more over a five year period. This is a third less than what the water companies demanded, but even a 21% rise over five years is an increase of 4% a year, twice the inflation rate target of the Bank of England.

An interesting case study will be that of Thames Water which has dire financial problems due to building up a debt of £14bn (while still paying out tens of millions in dividends to its shareholders). It remains to be seen if Thames Water will be allowed to go bust or whether the new Labour Government will step in and bail it out but maybe this headline gives us a clue:

“Labour abstain on bid to criminalize water companies for sewage pollution” (Canary: 17/05/24)

[batwynn]

Thank you so so much for all your help so far!

A quick update from us:

I’ve lowered the goal amount to focus on our most urgent need: an inverter and battery back up.

(We technically need two batteries, which is why the GFM is at $2k to cover a lot of the cost and include what has already been donated.)

We have had… honestly too many power outages in the past two years here, and each one has caused serious problems for us with no heat, even to the point of being life threatening. This inverter is rated the best for pellet stoves and the best for no interruption. (and therefor no smoke blowback into the house) This would help us the most right now!

As always, I offer as much art, stickers, prints, anything you can slap an art on in thanks for any donations! I do have a small waitlist at the moment for commissions/requests, but I’m working my way through it as fast as possible! (Any donation art requests will be worked on concurrently, and will have their own list.)

[polysyndetonaddictsupportgroup]

Then go and burn it yourself, don't wait for other people to burn the establishment down.

do you honestly think that I tumblr user polysyndetonaddictsupportgroup have swedish airplane tickets money. because I don’t.

[iseeaskars]

Please help support my financial struggles so I can get back to the good stuff in life, like upkeep my fan blog. Any bit helps. Thank you. I am grateful to all my fellow skarsgardians no matter what.