#help with improving my credit
Explore tagged Tumblr posts
debthelperdotcom · 1 month ago
Video
youtube
Hope 4 paying off Personal Loan and Credit Cards #debtrelief #debtmanag...
1 note · View note
terrorbirb · 2 months ago
Text
I know I complain about this constantly but it frustrates me whenever I need to edit a template to say "the engineer. She....". Instead of "the engineer. He.....". When it's a female engineer. I don't think anyone else has ever changed the pronouns but IDK! I think we should stop using "he/him" pronouns as the default for engineers on official documents!
Our office is rare in that it's 50% women in engineering so idk why we put up with this.
I know this is a small thing but it frustrates me. I'm really not supposed to edit these letters but I can't help myself with this.
12 notes · View notes
goldkirk · 10 months ago
Text
I'm so proud of myself about finances in the past couple months. I still struggle with money but I did enough meditation and journaling and practicing about it to make myself able to actually face my loans and credit cards and savings and bills and start really truly organizing and addressing them for the first time in years instead of just flying by the seat of my pants.
Like. This is a huge deal for me. I've felt like I'm in deadly danger every time I've tried to think about money for years and years. I'm finally able to look it in the face and stare it down and start to organize and plan on purpose instead of just keeping up with the minimum to stay afloat. I'm so proud of myself.
It's still a refrain of "GUILT (funny link)" every time I think about money but I'm able to actually make spreadsheets and face the numbers and monthly tracking again, and even make a new full budget which I haven't been able to do in ages.
still feel guilt, overwhelm, and helplessness, but no longer feel as much deep elemental shame and terror. that's progress baby
#we don't need to talk about how many months and months of therapy visits and doctor appointments I put on credit cards#among other things#but I had to put my foot down about it a couple months ago and shout at myself a little saying HEY#I AM SHAKING YOU BY THE SHOULDERS I AM SHOUTING FOR YOU TO HEAR#OF COURSE IT WAS A TERRIBLE FINANCIAL DECISION BUT YOU WEREN'T EVEN EXPECTING TO BE ALIVE#THE CREDIT CARD DEBT WAS NECESSARY TO KEEP YOU ALIVE AND IT DID AND EVERYTHING ELSE IS WAY LESS IMPORTANT THAN THAT#why the FUCK are you feeling SO ASHAMED for making the best decision you knew how to make at the time???#just because you know NOW that you could have tried some other options doesn't mean you did THEN#you may have known enough to feel shame and guilt yes but you would never in a million years have gotten the help you needed fast enough#by attempting to go another route#you didn't trust anyone besides a very few handfuls of people and even them it wasn't fully#and the stress of running it through parental insurance was so terrifying to you bc you didn't know what that would do#and you never had cosigners for anything your whole adult life. it's OKAY#you fucking DID YOUR BEST#YOU HAVE LEARNED. YOU HAVE MADE CHANGES. YOU HAVE ALREADY DONE BETTER#YOU WILL CONTINUE TO LEARN AND IMPROVE OVER TIME#it is not the end of the world. even the utilities sending you to debt collections etc etc#YOU ARE FIGURING IT OUT ONE PIECE AT A TIME#MORE PEOPLE ARE ASHAMED AND AFRAID OF THEIR OWN FINANCES THAN YOU THINK#if the people who fought and argued with and shamed you for considering student loans much less taking them out#had wanted you to actually be financially safer and healthier#they could have just fucking helped out or cosigned your loans or actively helped you find other solutions#instead of spending months and months telling you it was the worst decision ever and would ruin you financially for decades and such#you made the best decisions you could with the level of terror and knowledge that you had. it was enough to keep you alive.#isn't that enough?#isn't it a victory to survive?? isn't that enough??????#god i'm cringing at sharing this but if it's been this hard for me surely at LEAST one of you has also made financial mistakes or regrets#and seeing me be honest that I fucked it all up too and it's a mess and I'm just climbing back through it as best as I can as I go#will hopefully make at least one of you feel a tiny bit less alone
39 notes · View notes
autumn-applepie · 6 months ago
Text
University ever pushes you so low you have to go buy a couple of beers? /srs/neg
I'm gonna vent in the tags for a moment humor me for once /gen
#No but I'm serious this place is a nightmare /neg#Venting in the tags#humor me for a second. you go to this uni and they promise you a place that will teach you how to become an artist#on both like. morality and skill level. they feed you with bullshit for MONTHS. “oh mistakes are fine! they make you grow!”#or “oh this is a community we work all together there are no discriminations this is a safe place to learn and improve”#and we like. work on this projects - THAT WE ARE NOT PAID TO WORK FOR SO *WE* GET TO PAY FOR ALL THE MATERIALS AND SHIT FOR THEM.#to like “help the community” or whatevrr because “artists are born to inspire others and bring joy” and blah blah blah. BUT. LIKE. THE THING#THE THING IS. NONE OF THESE PROJECTS WILL END UP ON OUR CURRICULUMS. WHAT WE WORK 6-7 YEARS FOR ARE NOT SEEN AS REAL EXPERIENCES.#AS IF WE'VE DONE LITERALLY NOTHING FOR 6-7 YEARS. AND LIKE. THE PROFESSORS ARE SO RACIST AND DISCRIMINATORY AS WELL.#If they don't like you they WON'T EVEN GIVE YOU THE EXAM. BECAUSE THERE'S NO WAY TO DEMONSTRATE IF YOU WORKED OR NOT. IT'S UP TO THEM.#THEY DECIDE EVERYTHING FOR EVERYONE AS IF WE ARE SOME SORT OF FUCKING COMMUNIST KINDA BULLSHIT WORKERS.#Someone fucks up? *WE* FUCK UP AND EVERYONE PAYS. Someone succeeds? *WE* SUCCEED AND EVERYONE GETS THE CREDITS.#THIS IS ALSO WHY NONE OF THE WORKS WE DO END UP IN OUT CURRICULUM BECAUSE ITS MADE SO THAT *THE UNIVERSITY COURSE* DID IT AND NOT *US*.#IT'S FUCKING BULLSHIT AND I CAN'T EVEN GET OUT OF THERE BECAUSE IF I DO MY PARENTS WILL KICK ME OUT CUZ THEY DON'T WANT ME TO BE AN ARTIST#So I'm trying to STUDY for the exams and the “professors” are getting mad at me that I'm not staying 10 HOURS IN THAT MOTHERFUCKING ART LAB.#WORKING AT THEIR NONSENSE PROJECTS THAT WILL NOT END UP IN MY CURRICULUM.#“Oh if you're not willing to put all your efforts for the course this is not the place for you” BITCH I *AM* PUTTING ALL MY EFFORTS!#THIS EXAM IS *LITERALLY* PART OF THE COURSE!! WHAT KIND OF FUCKING BULLSHIT ARGUMENT IS THAT!!!!!#Istg I'm gonna cry I want to kms /NOT SERIOUS#I'm gonna cook dinner. chug my lemon beer. and try to study like a normal person and beg this shit will end soon#Don't worry I'm not going to become an alcoholic I just need something. anything and I'm ABSOLUTELY not gonna start smoking I hate it /srs#tw alchohol mention#alcohol mention#tw smoking mention#smoking mention#vent#tw vent#// mike speaks
7 notes · View notes
juniperhillpatient · 4 months ago
Text
my problem is that I’d consistently rather die than do even one small thing I kinda dont want to do
6 notes · View notes
jessamine-rose · 1 year ago
Text
/obey me! vent/
#jessamine rambles#before i start. pls keep in mind that this is fully subjective and could just be a 'me' problem. i just want to get this off my chest#ngl i've been contemplating on whether i want to stop playing obey me. both the og game and nightbringer#idk i've been playing the game since its first month and while it's given me a lot of joy + memories + chances to befriend other ppl. i'm#pretty burned out. not to mention TIRED of my consistent disappointment with the game#the main story.....where do i start?? i actually enjoyed s1-s3 despite my qualms with the fillers and pacing but s4 disappointed me. i was#rlly looking forward to simeon's storyline and the new characters but ultimately. the devs tried to squeeze too many things into one season#not to mention that there is a notable difference in how the characters are written. i.e. beel's hunger and asmo's beauty#being watered down to running gags instead of the complexities explored in the old dg stories and chara songs#gameplay-wise. i was there when the devs raised the rewards price of the event urs and removed the demon ssrs completely#but nightbringer was the last straw for me. the amount of time it takes to grind for two games. knowing that the og app has essentially bee#abandoned by the devs?? not to mention that while the plot is interesting. i haven't touched the main story ever since the coma arc#i will give credit to the devs for improving the event stories by choosing to focus on 1-2 demons. but it has always felt like a quantity >#quality situation. esp if i were to compare it to my other fandoms#it also doesn't help that i'm currently at a point of my life where i'm questioning if i could use my time on obm for better things#seeing how the game is giving me less reasons to believe it is worth my time#idk this may also be a short-term phase since i DID get back into twst after a long hiatus and i recently got into whb#which btw has felt like a breath of fresh air despite my frustrations with the bugs and current gacha#but yeahhhh........as much as i love the obm characters and fanfics. i'm just tired#at this point i feel like the only reason why i still play the game is due to the nostalgia and so i don't waste the years of grinding#aaaaahhhhhhhhhhhhhhhh#this is what i get for being the type of player who only plays a few games so they can rlly dedicate their time and passion to it#that's all
11 notes · View notes
anotherpapercut · 9 months ago
Text
it's really cool and fun and great how much the age of your oldest line of credit affects your credit score making it effectively impossible to have good credit in your early 20s unless you got a credit card in high school or something
4 notes · View notes
apoloniaspiegelgold · 11 months ago
Text
Feeling very soft again thinking about how he just got back to work after being sick and the first thing he does is to come to my office and ask me to tell him all about what happened to me in the week that he couldn't be here. So I say something like "my supervisor had the audacity to criticise my paper despite saying that he hasn't even really read it yet" and I had been actually quite mad about that, but then he goes "Oh, but that's what you want, isn't it? Someone criticising your work, someone fighting back a bit?" And I stopped and felt my anger disappear instantly and I thought ... actually yeah, you're right, why are you right? Why was I even mad? Why do you know better what I want than I do?
3 notes · View notes
transxfiles · 2 years ago
Text
arts hell week at my school again :'(
5 notes · View notes
debthelperdotcom · 2 years ago
Video
youtube
Debthelper Success Story
2 notes · View notes
marsixm · 6 days ago
Text
probably pretty indicative of my general status rn that i tuned into a youtube vid about ~hack your life, life is a game, manifest a better life etc content which felt like hustle culture ft astrology & well the yter was getting (very surface levelly & disjointedly) into stuff about energy & the 4th dimension, and the thing is, im not in theory opposed to the idea of treating life like a video game, or trying to change your mindset, or thinking theres a dimensional energy that moves thru us all. im all for all that shit yknow. but also, im aware enough that its not that easy and these kinds of ppl are usually young and just privileged enough not to realize their advice cant be universal, but like i was getting ready for work and i was bored and tbh do need a kick in the ass to get motivated rn but eventually she kept ~consulting what appeared to be an ai chatbot app she was plugging that was #dialled into the energy of the universe (🙄) & at that point i realized the missing enigma posted a case update and i jumped ship so fast lmao
1 note · View note
unma · 3 months ago
Text
So I've calmed down. After today's events I find myself even more vindicated in my hatred for my family, but that's neither here nor there. I'm not trying to vent so often on this blog (feels too oversharey), so instead I'll let y'all know that my birthday is in two weeks! Specifically the 24th. So that's cool.
#unma rambles#ignore the tags below I was only going to mention the uni stuff and then things just kinda started rolling out and now it feels like a-#waste to delete them#I'll be heading to uni on the 22nd for orientation on the 23rd though#so that's another year in a row of depressing shit happening around my birthday#at least this time it's something somewhat good (uni) and not my dad shipping me off to a camp I insisted I didn't want to go to#to the point that he forcibly packed my things and made it so I couldn't go back home otherwise that Sunday#which I still haven't forgiven him for#(man every time I think about them I remember something that makes me hate my parents. funny how that works.#It's almost like there's nothing good to remember)#fyi the uni is a christian university that requires attending service for credits which is why I'm not happy#reminder: I'm agnostic but was raised christian in a christian family#and an acquaintance from church is also going to that uni. and attending the same course#which isn't the end of the world but I can't help but feel bummed out#because I just know someone's gonna use her to see how I'm doing since I never answer phone calls#wow I said I wouldn't vent but here I am#tbf my reaction to this is more disappointment and mild annoyance than the depressive spirals I used to deal with#so I guess that means I'm improving#or that it's not big enough of a problem for it to trigger that#oh well#all of this means I'm not exactly looking forward to my birthday but I've never looked forward to one since I was 10#so that's just typical at this point#hm come to think of it the camp thing isn't the only thing that happened near my birthday and resulted in depressive spirals huh#kinda sounds to me like my birthdays have just sucked#at best they were meh and at worst they sucked to the point I look forward to one where nothing happens at this point#that happened once#my birthday had nothing done for it because of reasons (I don't blame my parents for this they had valid reasons to do so)#and I just forgot about it#the tags of my post that was supposed to be about my birthday was not where I expected to unpack my shitty experiences with past birthdays#but here I am I guess
1 note · View note
stinkybreath · 3 months ago
Text
Cussing and spitting bc working out is actually making me feel better
1 note · View note
lastoneout · 8 months ago
Text
Like I know we all love making ADHD seem cool but like, don't forget it's actually a disability? My ADHD is bad enough I've nearly been evicted for forgetting to mail the rent check to the property manager, I've forgotten to pay the utility bills and had my water or power get turned off or had to pay fines bcs I missed a credit card payment. Once I was supposed to cat sit for a friend and I lost the house key she gave me but didn't realize until she was already out of town, and she had to call the apartment office to get someone to give me the spare so her cats would have food for the week. When I'm unmedicated I can't even get myself to shower half the time, forget eating or cleaning. Before I started living with my fiance I'd just like, not eat for days because I didn't have anyone to remind me to eat or go buy me food. I've forgotten to turn the stove off so many times and ruined kettles and tbh been DAMN fucking lucky the house didn't burn down. I've done stupid, impulsive shit that's nearly gotten me KILLED. I can't remember to close the shower curtain reliably even through my fiance points out every single time I forget, and he's almost out of soap rn bcs for the last MONTH neither of us have been able to remember to order more once we get out of the shower.
I've had such bad memory my entire life that to this day someone suggesting I forgot something because I simply didn't care enough is a legitimate trigger that, in the worst cases, makes me have a breakdown.
I get that for some of you this is just something that makes studying hard or you forget to take a pee break when you're playing Minecraft or whatever, that's still a valid struggle and you do deserve help and understanding, but like, ADHD is a disability. It's disabling. It's not impossible to improve and learn coping skills, meds help a lot, there are great accommodations out there(LIKE CLEANING SERVICES), but not every case of ADHD is the same, and a lot of them are pretty ugly ngl, and just because you managed to do something doesn't mean someone else is gonna be able to manage it too, or that they're being lazy for struggling. And that obviously doesn't mean ADHD people have a free pass to never work on themselves and make everyone cater to their every need or whatever, but we do deserve some understanding when we explain that our disability is actually disabling in ways that aren't palatable to you. So like, idk, maybe don't immediately recoil in horror when you find out that someone with ADHD can't keep their house clean. And for fucks sake don't ridicule them for it.
15K notes · View notes
mikuyuuss · 6 months ago
Text
I don't exactly have a perfect relationship with my mom, but she's really the only person in my family who I can trust to have a good taste when it comes to art in general. (no offense to the rest of my family but they tend to have a narrow view in those areas)
My mom used to be an artist herself, so I used to consult to her about my art before I would post it. I would ask for advice on what things I could still improve on, she was really observant and would point out to me things that I didn't notice. She has helped me a lot on my art journey, at least, until I started becoming more confident and self assured.
1 note · View note
coolpuppy12 · 2 months ago
Text
Introducing the Doo Doo Save File - Version One!
Tumblr media
Disclaimer:
This save is still very much a work in progress. While most things appear to be complete (such as builds), there's still a lot to be done. So, keep that in mind. Also, I tried my best to playtest everything, but this is a HUGE save. So, it's possible I missed things. If I did, feel free to let me know!
TOU:
Please don't claim as your own. Don't reupload my builds as your own. Basically, don't be weird. Just give credit please as this took centuries to do lol.
Special Thanks!
EDIT: Ahhh! Big thank you to @lasabarcassims for helping me set up SimFileShare! Please check out their save as well. It’s amaaaazing.
Shout out to @aaliyahnavI @doit4thesims @forever-lbsims @senselesssims for playtesting this monstrosity. I greatly appreciate you all!
Thanks to @simmerapple (gallery: ImpossibleBelle) and @simkuza (Gallery: Mimilagu) for checking out the save and sending some of their amazing sims to use!
Lastly, I want to thank everyone for their continued support and encouragement! When I started this thing, I was just bored and looking for a way to improve my game. I honestly did not expect to finish it, nor did I expect so many of you to care lol. Thank you from the bottom of my heart. It's still very rough around the edges, but I hope it brings you some enjoyment!
Also, don't hesitate to tag me in any posts! I want to see my precious Doo Doo brought to life!
Doo Doo V1 (with rentals - updated): download here!
Alt. DL here!
Doo Doo V1 (without rentals - outdated): download here!
Alt. DL here!
MORE INFO AND SCREENSHOTS BELOW:
Here is an overview of everything:
16 worlds redone (Mt. Komorebi, Sulani, Selvadorada, and Tomarang still need some TLC)
Some updated townies with lore, relationships, jobs, etc. etc.
New townies!
New clubs and holidays
LOTS of packs used, so not BG friendly
For Version 2, I hope to finish this save completely. When will that be? That's a good question lol
What's not included:
All the packs - I don't own (and probably never will lol) HSY, Werewolves, Lovestruck, and MWS. Also missing most of the kits.
Specialty lots (i.e. police station, magic realm) won't be touched until Ver. 2
CC, Mods, and Tips
If you want the townies’ relationships to stay intact, I HIGHLY recommend downloading MCCC. If not, you shouldn’t have any issues playing the save, but some relationships will eventually be deleted due to the culling system.
I did use one piece of CC, but it is absolutely not required in order to download this save. It's the Modern Family Portrait by RAVASHEEN! Download only if you want some cute portraits of the families.
For this save, I grouped some of the worlds together. You don't have to play this way, it's just a note to consider:
Oasis Springs, Del Sol Valley, and StrangerVille
Newcrest, Willow Creek, and Magnolia Promenade
Windenburg, Forgotten Hallow, Glimmerbrook, and Henford
San Myshuno, Brindleton Bay
San Sequoia and Evergreen Harbor
The other worlds? They're just on their own for now.
PHOTOS!
Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media Tumblr media
2K notes · View notes