#getting out of debt

[bitchesgetriches]

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.

The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!

Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.

Keep reading.

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[inkskinned]

you're in the habit of denying yourself things.

if someone asked you directly, you would say that you love a little treat. you like iced coffee and getting the cookie. you drink juice out of a fancy cup sometimes, and often do use your candles until they gutter out helplessly.

but you hesitate about buying the 20 dollar hand mixer because, like. you could just use your arms. you weren't raised rich. you don't get to just spend the 20 dollars (remember when that could cover lunch?), at least - you don't spend that without agonizing over it first, trying to figure out the cost-benefits like you are defending yourself in front of a jury. yes, this rice cooker could seriously help you. but you do know how to make stovetop rice and it really isn't that hard. how many pies or brownies would you actually make, in order to make that hand mixer worthwhile?

what's wild is that if the money was for a friend, it would already be spent. you'd fork over 40 without blinking an eye, just to make them happy. the difference is that it's for you, so you need to justify it.

and it sneaks in. you ration yourself without meaning to - you don't finish the pint of ice cream, even though you want to. the next time you go to the store, you say ah, i really shouldn't, and then you walk away. you save little bits of your precious things - just in case. sometimes you even go so far as putting that one thing in your shopping cart. and then just leaving it there, because maybe-one-day, but not right now, there's other stuff going on.

you do self-care, of course. but you don't do it more than like, 3 days in a row. after that it just feels a little bit over-the-edge. like. you can't live in decadence, the economy is so bad right now, kid.

so you don't buy the rice cooker. you can-and-will spend the time over the stove. you can withstand the little sorrows. denial and discipline are practically synonyms. and you're not spoiled.

it's just - it's not always a rice cooker. sometimes it is a person or a job or a hug. sometimes it is asking for help. sometimes it is the summer and your college degree. sometimes it is looking down at scabbed knees and feeling a strange kind of falling, like you can't even recognize the girl you used to be. sometimes it is your handprint looking unsteady.

sometimes it is tuesday, and you didn't get fired, and you want to celebrate. but what is it you like, even? you search around your little heart and come up empty. you're so used to denying that all your desires draw a blank.

oh fuck. see, this is the perfect opportunity. if you had a mixer, you'd make a cake.

[debthelperdotcom]

Tah's Debthelper Success Story

[bixels]

In the past, people in the Animal Crossing community would make fun of Tom Nook as a sleazy landlord. Since then, he's really rehabilitated his image as this 'heart of gold' businessman (he's the one who puts bells and furniture in trees for you to find! he adopted orphans! he donates to charity!), but New Horizons genuinely paints the most devious version of him.

He's successfully privatized settler colonialism: you pay HIM to move to a "deserted island" (which apparently the oceans in the AC world are just full of) and start a colony that he is directly invested in. At best he's running a weird vacation package scam (you arrive on the island with no money and in debt for "using his services"). At worst, he's using you to set up company towns. For god's sake, he literally has his own fake currency that he forces you to use to pay off your debt. But don't worry, he's repackaged it in a way that definitely doesn't sound like an MLM scam: the Nook Mileage Program!

You're no longer just his tenant or his temporary part-timer, you're his business lackey. The entire tutorial section of the game has you spending actual weeks running around completing tasks and doing hard labor to set up his colony. You're even tasked with preparing his properties and finding buyers for them. No, you aren't a tenant anymore. You work for the landlord. You are directly responsible for finding tenants for him. And he doesn't even fucking pay you. Not for setting up town hall and museum, or his nephew's shop –– which is the ONLY store on the entire island that sells necessities –– or bringing KK Slider to town, or helping populate his town. Not a single cent. No, actually, you have to pay HIM to BUY infrastructure like bridges and stairs and park benches. And all the while, he's telling you're the "resident representative"; you get to call the shots! That the reward is the community's progress. That what you're doing is in everyone's best interest (but most importantly, his).

Since NH's release, people have done a lot of legwork to say that Tom Nook isn't a capitalist while the game shows him at his very worst. He owns the only general store in town. You're forced to use a phone that he modified and branded as his own. Buy Nook-branded furniture and merchandise at the self-serve kiosk in the town hall, a governmental building! There's no conflict of interest here!

But hey, if you're tired of being the landlord/business mogul's goon, you can also find work as a deluxe resort home designer for a company that also pays you in their special company currency that can only be used to buy their products instead of a real salary! Because that's what the Animal Crossing franchise needs! More vacation homes!!!

[absolutely-scheming]

You see how Deadpool and Wolverine only cause minimal damage to civilian life? You see how respectful they are to the extras? Very mindful. Very demure.

They don’t cause irreparable damage to major cities likely killing hundreds or more like some people. Instead they’re very mindful and cutesy

[blueskittlesart]

hey has anyone tried to buy a covid test lately. because i just had to buy one for a friend at my local walgreens and the cashier very seriously asked me if i was sure i wanted it because. a 2-pack of tests currently costs $23.99. do we not think that it's a little insane that the only reliable diagnostic tool for a very much ongoing pandemic costs over $20 for a single package. what if I didn't have that kind of money to burn??? Especially if you're already facing potentially losing at least a weeks worth of pay if you DO test positive and can't work. How many people are going to see that price point and decide they can't justify the expense??? literally insane. remember that brief moment of sanity this country had when we all got these for free

[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

[sergle]

yall are about to piss me off by not having any PASSING basic knowledge of the way the u.s. military manipulates its recruits into joining by typing up one of your uninformed, unresearched, unempathetic, individualistic, unbelievably annoying posts about how 100% of the people in the military ended up there because they just Love America So Damn Much! they're extremely mature and informed at time of recruitment, they can totally leave anytime they want, they totally had tons of other avenues in life they could've taken, there was no rush at all to get income as fast as possible, and everyone in the military also totally is part of the combat divisions and personally enjoys being IN the military very much, big believers of violence. everyone in the military is shooting guns all day, that's how that works. they LOVE BLOODSHED. also I love the "amewicans haha" twang to this type of shit because you're actually TOTALLY stealing our Thing, which is turning systemic issues into Individual Issues. Instead of talking about the powers that be, it's so Personal Choice up in here. It's, "well you shouldn't have done it then. I totally wouldn't because I know better." you don't wanna talk about the military industrial complex as a whole, and you don't want to talk about recruiters, you just want to pin the blame on Specific Individual People one-by-one, as if they're responsible for the system that they're being ground up in. someone was in the military? bad person, no matter what. it's easier to believe that, I guess, than to acknowledge that Normal People (with high school educations) are manipulated and incentivized into joining a system that is Bad. at like age 18. but yeah no that 18 year old should have just been smarter lol haha anyway here are some screenshots for no particular reason

side note this reply of someone going "umm just get loans and go into a high paying field it's easy XD" as a direct response to someone trying to explain how most americans joining the military are being funneled in that direction out of a need for money.

and another person who Decided that americans join the military just CLENCHING their teeth thinking of other people, and not thinking completely selfishly about their own selves and their own income/housing/healthcare.

[maggot-baggage]

Methinks its time to move back home actually

[snickerdoodlles]

its so weird seeing posts that mock uncle jim for worrying about li ming's queerness as though his dead boyfriend's parents (legally) stealing his entire life savings and leaving him to manage a restaurant business specifically because gay couples aren't legally recognized as couples wasn't what put him in a cycle of crushing debt and endless poverty in the first place

[bitchesgetriches]

Hey bitches! I had an unexpected death occur back home while I’m currently living internationally. Despite the expensive plane tickets (damn you, American Airlines!) I made the decision to buy the tickets on my credit card. However, now I’m worried that I’m going to snowball into debt. I’ve always paid my credit cards on time and in full and my statements are always $0/month because I pay everything off. Do you have any advice for how I can make this unexpected expense go away quickly?!

Deep breath, babycakes! We gotchu. Here is our guide for the best, easiest, and fastest ways to pay off that unexpected credit card debt:

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche 

Stick to a plan and be a little more frugal in the coming weeks if you can. A credit card is a tool, and you shouldn't be afraid of it.

Weirdly enough, I ALSO had to buy some expensive airline tickets to visit a dying family member recently. And I ALSO put it on a credit card because it was an unexpected expense. I will literally be using one of the methods in the above article myself. Call it Bitch-tested and Bitch-approved!

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[angeltannis]

Nothing to say this morning except FUCK this country lmao

[debthelperdotcom]

Juan's Debthelper Success Story

[onioe]

He Xuan and Xie Lian fake dating AU but He Xuan is only highly affectionate with Xie Lian whenever Hua Cheng annoys him.

Does this raise his debt? Yes. Is he likely to survive this experience? No.

Is it worth it to have something over Hua Cheng for once? Yes, yes it is. Finally HE has the upper hand, even if it’s risky as fuck

[thegreatyin]

scoundrel?? what scoundrel???? the magnificent mr cards (who ironically has more of a flower aesthetic going on) is completely unrelated to any "bandaged scoundrels" running around the neath. in fact it's never heard of the word scoundrel ever in its entire definitely long definitely ancient life. but yknow, hypothetically, if it did know the scoundrel, it's confident that they're really really really handsome and cool and epic and they're almost just as amazing as it is and you should totally donate all your valuables to them and stuff

aaand because i like them too much, have a transparent version. the Creachure. the Thing, even.

[fraternum-momentum]

WE'RE GETTING EVICTED FROM OUR APARTMENT.