#fee loans
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https://gofund.me/8eb9ca29
I'm in a tight spot for the next couple of weeks. Anything you can do to help even just a boost and a share that would be swell.
#listen the bank just hit me with a hike in interest for my student loan#my car insurance is being renewed and the girst payment is founle for admin fees is what i was told#im threading water truly
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for all my "eroticism of the machine" tumblrinas: please go read electronic eros: bodies and desire in the postindustrial age by claudia springer. it will be worth it trust me
#it's available for free on the internet archive if you don't want to buy it#or check out if your local library has it#(you can also request an inter-library loan but sometimes there's a fee to pay for those)#anyways#eroticism of the machine
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WHO CAN TAKE YOUR MONEY?
😂🤣😂
#government#taxes#money#greed#fees#loans#benefits#dirty politics#dirty politicians#corruption#fight for justice#please share#truth#wwg1wga#maga
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I just had to share this email I got so all y'all can appreciate the absolute state of welfare services in Australia with me:
The NILs Loan Scheme is a government funded, no interest loan scheme for people on low incomes, but this leaves me wondering exactly who tf can qualify for their loans. Because it seems like if you have any symptoms of poverty it's a no.
I applied because I need the clutch replaced in my van, which I live in. It's lucky that I actually CAN afford the cost myself (due to living in a van & not participating in Australia's increasingly ridiculous housing market). I thankfully can afford such an expense these days & was just looking for a responsible financial buffer, just in case. But if this had happened to me a few years ago when I first became homeless and was far less financially stable, then my next living situation wouldn't be "affordable housing" it would be a fucking tent.
Anyway, the backwards ass state of a GOVERNMENT FUNDED welfare scheme refusing to assist those who need welfare the most because they don't want to encourage homelessness or whatever the dumb fuck? Just really rustled my jimmies tbh. Just screams "yet another govt welfare scheme that's actually just about handing out money to fake charities & not helping the poor". Good Shephard just got on the "do not donate to these grifters" list along with the Salvos😒
#I got a root canal & a heap of skin cancer to pay for on top of this clutch replacement right#& I got it#but there's going to be $100 left in my bank account with this all said & done#& I could use ZIP or AfterPay or whatever if need be#but I figured a no-interest no-fee no-nothing loan would be the gold standard of responsible financial decision-making#& lol turns out the eligibility requirements for a NILs loan are HIGHER than a Buy Now Pay Later (w exorbitant fees) type of loan#how tf can you call that a loan scheme for people on low incomes?#when you gotta be at least middle class to qualify?#the fucking state of Australian welfare agencies istg#& I ain't even shocked atp because this is the response I've always gotten from welfare agencies#they always have some (often very stupid) excuse as to why they can't do what they say they do#I hear so often “oh there's plenty of support for the poor & homeless they just choose to be that way”#but this is the support just fyi#this is why poverty & homelessness still exist in Australia#bc all the agencies & organisations & departments & corporations that are “on the job” are only on the job of securing their own pay checks#with as little expenditure on the poor as they can get away with#auspol#poverty
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yknow it is crazy to think about how much i have been able to improve my quality of life by selling art as a supplementary form of income. like obviously it's a second job and it's taxing but it's also so rewarding to know how much people enjoy my work and how much good it is doing me to like, feel like i can buy snacks at the store. to be able to get takeout every once in a while. like obviously those are extremely minor changes or things most people take for granted but to me it's huge. having berries in the house when they're out of season and more expensive. buying things for CONVENIENCE??! it feels so crazy to me to have such a sense of luxury which i know says more about the bleak feeling of poverty that's followed me around my entire adult life than anything else but i feel so much gratitude that i am afforded these small luxuries at least in part because of people that like my art. not to mention how nice is is to make things consistently again when, prior to 2020, i hadn't made art regularly in almost a decade. anyway. it's cool!
#of course there are extenuating circumstances! i finished my student loans in 2020 with help from family#i moved to a cheaper place in 2020. i get paid more now than i did then; even though i'm only working four days a week#obviously i am not RICH; i cannot afford to live by myself. housing here is crazy. but i can buy MEAT at the STORE#not only do i have SNACKS in the house i also have MULTIPLE KINDS! do you know how crazy that is.#and now of course a lot of it is combatting my wicked sense of guilt for buying anything i dont 'need'. like snacks.#but obviously i still buy them i just make myself feel bad about it for a while first. lmao#i mean i haven't done my taxes for 2023 yet who knows maybe i'll be hit with some big fees and i'll take this all back#but idk you gotta be grateful. anyway i think i'm gonna order pizza later#chatpost#i used patreon money to buy a new desk chair a couple years ago. a NEW one!! not one from the street!
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it's crazy how apartments can just charge you whatever they want
#atlas entry#“so first there's a $25 application fee and then a $100 reservation fee and then a $70 amenity fee and a $75 parking fee”#“oh there's also a $35 processing fee and if your payment isn't accepted there's a $95 payment-not-accepted fee”#“once you pay all these fees of course there's the fee fee and the fee fee fee”#“if you can't pay these fees you can apply for a fee loan but there is a $100 fee loan fee”
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Job ads will say “we want someone with a college degree in ___!” and then offer to pay you $18 an hour… like you know a lot of fast food services pay $16 and promise raises even if you have zero experience and no degree whatsoever. $17 if you work the night shift… like be so serious right now.
#I’m just tired of local businesses complaining about not being able to find people to fill these jobs that require a degree when they don’t#offer them enough money to make it worth it#especially since everyone in my town is chronically broke and cant afford college without loans….#like either offer to train people or offer to pay their college fees in addition to their regular pay or else!!#autumn rambles
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noooo i just realized that for days now i've been waiting to see when a book i wanted to read would get to returned to the local library because both copies were out. but i checked the online catalogue again and the section that normally lists when a book is due back labels both copies as "lost" 😭 this happens to me frankly waaaaaay too often and i'm mad that people aren't more responsible with their library books. like how hard IS IT to just keep up with them and return them?!?! i feel like ortho in the first halloween event when he wanted to kill people with lasers for eating in the library.
#UGHHH i hate this so much because it really does happen shockingly often#and then i have to request an interlibrary loan for the book which can take weeks and costs a fee#like i get that accidents happen sometimes but genuinely i feel like at least 1/3 of the books i look for#will have 2 copies in the online catalogue and both of them are fucking GONE FOREVER
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someone stop me i keep finding cute apartments in philly
#they're all near public transport. they're pet friendly. they're all in walking distance of food and groceries????? :I#also they're like... if i pay off a couple more of my loans even if i only make what i'm making now they're in budget??? easily????#and i woulnd't need a roommate????#i mean it doesn't matter atm i still need to save up for all the other fees and such + i want to get my license first but like????#this could be a real thing in a couple years?????#finally?????#i still want to move back to london but for now i'll stick to being (mostly) local#shut up ace#also most of these have gym/pool access which just makes me even more O.O#reminds me of the apartment katie had down in louisiana & ngl i'm so fucking game#one of them is even right across the road from a park so extra win~
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#ok I’m so proud of myself bc this involves finance which is something I avoid at all costs but like I did it!!#my work failed to process my check which I should have received yesterday. I’m now expected to get it next week#and part of growing up poor is like. idk. this learned helplessness or defeatist attitude with money problems#like ohh it’s my bad I should’ve had more savings to cover waiting an extra week or longer for my monthly check#and historically I just shut down and panic while doing nothing bc this is my biggest possible stressor to come across#but!!! being around rich people? I’ve learned they negotiate!! and demand to not be inconvenienced!!#my work was like ehh I’m sorry too bad so sad about your check and I was like actually no#I explained how this impacts my ability to pay rent. my credit score. how they didn’t inform me in time to stop bill autopay#and asked what their detailed plan is to fix this#and within an hour admin was scrambling. four different people emailed me apologizing for the mix up#and they worked it out with finance to get me a $2000 loan to get me by until the check hits#but I was like actually no. I won’t be paying interest on this because I shouldn’t be penalized for your error#and so they GOT RID OF INTEREST#0% interest cash advance essentially that covers all my bills#I picked up the physical check for the 2k today so it’s legit thank god#I thanked everyone involved and remained extremely polite#and they said if there’s any other questions you have please let us know#so I was like actually you know what lmao#I explained that I’ve incurred fees for overdrafts and returned items due to bill autopay that I couldn’t cancel due to them informing me#basically the day of my check being late#and so I specifically said I’ve incurred $270 in fees at this point as a result of your error and I shouldn’t be expected to pay this.#and!! they just said… okay!!! I just got an email that they’ve processed a secondary check for $270!!#so like?!?! what?!?! is this what life is like when you don’t shy away from discussing money?!#im genuinely shocked. this is a life lesson. I never would have imagined this outcome#thank god I decided to not take it lying down
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sometimes i manage to get worried about the fact that i'm perpetually tired and wonder if it's a Symptom of something. and then i remember. i have been an insomniac since the age of three.
#my quantity of sleep debt is rivalled only by my student debt#(got approved for tuition fee & living costs loans for the mphil!#though they don't come close to covering the full costs. thanks scotland.)
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trying to work on stuff set a little sooner after creep — this being the fic set in 2012 in which everything goes real, real bad for peter... so... like 5 years later instead of 8 😂 but it's relevant, plot-wise, so it's not like a random jump ahead. creep is the set-up, 2012 fic is the payoff, so to speak.
#arghwrites#came in through the window last night#what's a little mail reading between friends—it's not actually sinister it's just student loan stuff#harry paying some fees for peter essentially—he just doesn't TELL peter#secretive philanthropy 😂 he just doesn't wanna worry peter is all#def still very WIP.... will prob need to be edited for flow a bit more later#ftr cap and gown refers to Peter's MAT not his BS
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Mansplaining is so funny why is this fool trying to explain how counting works. Is he stupid
#how did you interpret 'i thought you receive loans based on the fees you need to pay? is that not true?'#as 'i dont know that small numbers are smaller than big numbers'#actually be serious
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joao felix winning chelsea’s goal of the month bc he was the only person that scored that whole month is sooooo funny
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my psych sent me therapist recs and they look great and GOD do i need therapy but also christ hate how most therapists dont work with insurance and how expensive they are
#i have mental health insurance through my mom!! it should cover therapy!!#i get it from the therapists perspective ive talked with an old therapist about this its essentially a whole extra job dealing with it#and they have student loans and fees and bills to pay and so most just cant deal with it#but also 150 a session...pre sliding scale but still#im only looking at sliding scale options but idk how low that will get it#but dear GOD do i need therapy#i havent had consistent therapy in over 18 months i think at this point
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so mordred is sick and we're short on testing money
ive posted a few times about mordred being sick lately, and his xray wiped out most of our money for the next two weeks. if it is lung worms or a bad virus, im afraid of it getting worse and possibly doing permanent damage in the time before our next payday since hes already been dealing with it for so long. he and his sister are my everything, i couldnt stand it if anything happened to them that we could help.
so please, dont put yourself in a tough situation just to help us out, but if you have enough to remain comfortable after donating we would appreciate it so much. if youd like something in return my partner would draw anything youd like, their art blog is here , just send one of us a msg/ask and theyll get started on it as soon as theyre back from work
im in ko/fi jail rn and working on getting it back up, right now i only have pypl here
(including the extra gas to/from the vet, medical waste fee, and estimated tax)
81/231
#it will probably be a little higher than that if they throw in some equipment fee like last time but im going to call tomorrow#and ask for a more concrete estimate and update this if its more than that#last time she said the viral test is just a swab but maybe thats a lab fee?? stressful i wish theyd just put a chart on their site ugh#again pls dont donate if itll put you in a tough spot i dont want anyone to go without on our account#but thank you to anyone who helps even just with boosting#i love mordred more than anything and id take out a loan if i had to but were trying to get an apartment so the credit hit would screw us#so were trying to avoid that if at all possible#ty in advance again for boosting#will repay with cat pics if wanted
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