#how to get into credit card debt

[friendlynaborhooddisapointment]

its so easy to buy shit, like,,, steam... everything... on sale... someone on Tumblr talks abt a video game again,,,,

[bitchesgetriches]

Im turning 18 tomorrow and I want to get a credit card. My mom doesn't want me to get one.. What should I be aware of? What should I look for?

Here's way more info than you need, honey:

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards 

Your mom is probably worried about your credit card usage getting out of control. And that's a reasonable fear! Especially for someone who doesn't have much experience managing credit. So read our how-tos in the above link and weigh the pros and cons before you get a credit card. If your mom is still nervous, share some of your newfound knowledge with her to put her fears at ease!

Did we just help you out? Tip us!

[witchcraftingboop]

Me: Hey, since you've been unemployed for forever, who has been paying your credit card bill? Cause it hasn't been me.

Little Sister: Oh that went away!

Me, sinking feeling in my stomach: What do you mean?

Sister: I deleted the app

Me: . . . Okay, but who paid it off?

Sister: Boop, relax. It's just gone, I couldn't log in, so they must've cancelled my account or something, so it's gone now! Problem solved!

Me: . . . . What d'you mean??

Sister, exasperated: It's gone! I don't owe anything!

[hermajestytak]

Yaknow Plague of Babies could have ended so easily if it was up to anyone else. All Zim had to do was just call the Nhar-Gh'ok a space Uber and they'd be on their way, everyone would have been happy.

But this is Zim so he can't do anything the easy way

[shiningneedlecastle]

So like. Maybe it's an ironic joking thing, but sometimes the tags on your posts/reblogs make me feel concerned, so like. Are you doing ok? Do you wanna talk about it?

yeah it's not really ironic joking, not gonna lie i'm doing quite badly irl what with how badly the american education system is structured (especially medical education and how particularly hellish it can get). i don't wanna burden you with the sheer weight of all this horrible shit and i don't spend much time on here anymore. but thank you for the offer though, sincerely

[reputayswift]

🫶

[ultimateinferno]

Looking back I think one of the biggest things that got me through uni was that Canvas had calendars that showed when assignments were due and actually let me plan out what tf I was going to do without feeling overwhelmed.

Well... that and being a tutor/TA/lab assistant letting me work on homework during my shifts. Those two things really pushed uni from being agonizing to doable.

[lovefromkelly]

ok I don’t think every gay person can have undiagnosed adhd

[bl00dh0rs3]

Ive been having lots of talks lately with my mom abt politics n the state of the world, Good conversations to be sure, and theyre great bc we both make good points and can compare different experiences and all -- but good God the fact that she's still seems to have. More subconscious faith in the moral integrities of the nebulous concept of a government or corporation More than she has faith in the the moral integrity of the nebulous concept of our societal peers. She talks about it like the Second a group like that is founded, its set of ethics just Miraculously appears out from the ether + just happens to Always be morally sound by default. I cant seem to find a way to word things that with like... idk. Help it Click that those corporations are still run by People and are therefore just as fallible 💀 technically More so but she's convinced capitalism is Never going to go away so she doesn't care about the whole "company's and governments in power, as they exist today, Have A Monetary Incentive To Lie To Us As Much As They Can" thing cuz shes such a damn pessimist and assumes All people have been doing that Forever 💀💀💀 SIGH it's nbd i just needed to put it in words bc its been on my mind on and off

[kittlyns]

Just got a check from the IRS that cured my depression

[bitchesgetriches]

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

The Harvard Business Review recently published a study on “the best strategy for paying off credit card debt.” Set aside for a moment the idea that you should try not to rack up credit card debt in the first place (shit happens, no judgment). This study benefits the millions of Americans who are literally $800 billion in collective credit card debt according to the Federal Reserve. So it’s a problem that needs a solution.

The researchers tested a couple of different methods for credit card debt reduction:

Dispersing payments equally across every credit card each month.

Concentrating as high a payment as possible on one account at a time.

Keep reading.

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[deepfriedseagullfeet]

hey guys!! gonna check out a car this morning that i really like!! shes a white 2013 chrystler, its high for my budget but also i really want a goddamn car!!!!! we shall see how it works out :)

[autistic-shaiapouf]

Crawling out of bed after an 11 hour shift only to realize that maybe. maybe I'm not exactly taking care of myself

[hauntedwoman]

did not think me getting a job would actually help my mental health but here we are

[coffeewithcalypso]

Okay, we've order a third litter box. Dunno where in the sitting room I'll put it but I have two options that should work. Unfortunately because of space constraints it's not covered which is gonna be bad for the smell. But I got those sifting ones so I'll just have to clean it more often. Can't put an automatic one in there because it's the old part of the house and only has one outlet in the whole room.

Also ordered a second cat tree. Again, this will spatially be a pain in the ass, but the most territorial/aggressive behavior I've noted is when the baby is on the top tier of the cat tree, Mac gets upset. So I got one that's the exact same height and I'll set them up side by side (it looks out the windows in the office so they like to be there during the day especially when the weather is nice because I open them). I'm hoping they can coexist just both having a platform.

Also the outside facets are dehosed and wrapped up.

It's 1 in the afternoon. Have I eaten? Not at all. Am I drinking? Absolutely.

Today my calendar has marked out as a "lazy day".

[justonefeather]

I get packing underwear for myself so I feel better at work mostly. I don't go to a job where i wear sweatpants anymore but it just makes me more comfortable since i see these people nearly every day. But uhh they're a little expensive, relatively, or at least for me. But I'm finally both paying off debt and saving a little money every check, so I bought a 3-pack, since some of the underwear i have are getting holes around the waistband and the.. leg bands? The end bits. Idk i haven't bought myself new underwear in years because it's something I've thought of as kind of frivolous, what i have still lives so I should use it and not waste money on buying something new. But doing laundry today i was like hmm ok yeah i need to replace some of these (to be fair most of the ones in bad shape are not the packing underwear, i will rep this brand forever, $20 a pair is rough but if you can spare it they're great)