#how to pay off debt

[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!

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[1smolbean]

the whole “a submarine that costs 250k per ticket and is made up of cobbled-together parts that you can only open from the outside because it is secured by 17 deadbolts went missing while carrying several very rich people to tour the wreckage of the titanic, a ship that over 1500 (mostly working class) people died on, a ship whose wreckage should not become a tourist attraction because people fucking died there” situation that’s going on right now is just. so much in a way that i can’t really describe

[iampikachuhearmeroar]

hell. hell. hell.

[witchzvamp]

i am crying after finishing the first ep jesus this series gonna be a hit for real

[pumpumdemsugah]

2 more payments until I don't have credit card debt 🤼🏾‍♀️🥳

God bless 19 months long zero interest balance transfer credit card for making this possible. My interest payments have been holding me back for years. If I knew about this, I could have cleared this 5 years ago

[cjsees-art]

BLAAHHHH COMMISSION ME

individual images under the cut:

[golden-lovers]

MIYAWAKI SAKURA VS MATSUI JURINA - August 29th, 2017

[francisforever2014]

most of the time i feel like it really just Is Not That Serious and really truly believe that everything just works out and sometimes i’ll be hit by a fear of the future so debilitating i actually wanna throw up

[zetobii]

… I took my old position back at work. I’m a keyholder again 🫥

[bitchesgetriches]

Debt consolidation.

Hey bitches, I have heard of debt consolidation and I don't know if it's beneficial or a scam. But I have over 20k in credit card debt and I just got a few K in medical debt and I'm kinda freaking out. My interest on my credit cards is just making it harder to pay off.

Any advice would be awesome.

Hi sweet pea! We wrote this specifically about consolidating student loan debt, but the advice is the same for credit cards:

When (And How) To Try Refinancing or Consolidating Student Loans 

It is NOT a scam, so long as you work with a reputable financial institution. Also, keep in mind you might have other options for that medical debt, which we write about here:

How to Pay Hospital Bills When You’re Flat Broke 

Did we just help you out? Join our Patreon!

[justanechoflower]

You are teleported near the nice cream guy.

APOLOGIZE

*A while later, Flowey gets his uniform, a mini cooler, and has been given a basic rundown of his responsibilities...*

15/25 - Soul

[tearfest]

sorry to log on n rant but i need to rant

[loversarcanas]

i h8 inst/acar/t

[kingofmyborrowedheart]

Tired of life not letting me bejeweled :/

[britneyshakespeare]

you know someday i'm gonna feel so good when i have my student loans paid off

that ain't gonna be soon, trust me, but i think about it

[softquietsteadylove]

Hey could I ask for a Thenamesh human au were Thena is raising her little sisters (Sersi and Sprite) after their parents die and Gilgamesh is her co-worker who finds her having a mini breakdown and comforts her? Kinda slow burn-ish and no smut if possible

"Sorry!"

Thena pressed even harder on her eyebrows, sure she would get bruises from it. Maybe then she might actually get medical clearance for time off. "It's fine."

"I didn't mean-"

"It's fine!" she snapped at him again, shifting to swipe at the corners of her eyes and wipe the tears onto her fingertips and then on the sleeves of her cardigan. "I was just...looking for something."

But all she heard was the door shutting gently.

Thena sighed, picking her head up and looking around the shelves. All that was in here was extra paper and printer ink. "Gil, I'm fine."

Gil was sweet, if a little too sweet. He went out of his way for people, which their firm really discouraged. But he was going into family law, which was easy to tell from the 'everything' about him.

"Yeah, I just, uh," she heard him shuffle around before finally turning to glare at him. Her glower was usually strong enough to scare away anyone else. He pointed at the shelf of toner. "Printer."

She closed her eyes, feeling the throbbing in her head from her coffee and the twitch in her eyes from her need for sleep. But they had a lot of contracts to examine, and Sersi was in the middle of the soccer season, which meant she didn't even get home until 6, which pushed dinner to 7 and that said nothing about homework and getting Sprite to bed at a decent hour.

"Um," Gilgamesh gulped, tugging at the suit he was wearing. It was standard attire for the firm, of course, but she always imagined he had a hard time finding suits to really fit him. Perhaps he needed shirts and Jackets in one fitting and trousers in a smaller one. "How was Sersi's game?"

She whipped her head up at him, and she must have looked ready for murder by the way he flinched. "What?"

He went stiff as a board, practically pressing his back to the door. "S-Sersi--your sister, you said she had a soccer game on friday. H-How did it go...if that's okay."

Right, friday; she had rushed home from work, still with half a day's work to complete, picked up Sprite, gotten her not to gripe all through grocery shopping, bundled her up for Sersi's game, which was a loss, and it was a hard loss, and Sersi got a few scrapes and bruises, so then they were both a little cranky for the start of the weekend, and of course that meant she didn't actually get any work done-

"Thena?"

She blinked, feeling as if she had gone somewhere else entirely. This was getting ridiculous. She just needed coffee, she reasoned. Even more coffee. She shook her head.

"Hey," he whispered, not moving from the door to let her out, despite her moving closer. "Are you okay? I know you're...I know you've got a lot on your plate."

A lot on her plate? She had that already with this job and the beginnings of her career. Her student debt alone would be more than a full plate.

That was before handling a joint funeral, and counselling for her sisters, and getting them back to school, and a full year of them not being themselves. And then, when they finally seem to be getting better, both of them start having the worst time with school in their lives.

Or maybe their mother was just better at dealing with it than Thena could say for herself. And while their father wasn't exactly her favourite person, let alone parent, her first year of filing her taxes with two dependants was enough for her to look into a decent accountant for this year.

"Listen, I know you've got this under control," Gil continued, visibly worried about saying the wrong thing. "I know you're tougher than I could ever imagine."

She really didn't know about that.

"But if you need--I mean, if you ever want a hand with anything, or even just logistics, or carpooling or something," he suggested, losing confidence with every new idea. His massive shoulders drooped and he gave her those big, sad puppy dog eyes that always got him the best desk and the best cases and the best lunch, "just let me know, y'know?"

Thena gulped. Heat rose up in her as the horror of her tears resurfaced. She was done crying. It was the middle of the work day. She didn't have time for this. This had never been an issue before.

Can we have lasagne?

Just that simple text from Sprite had set her off. Because Sprite loved lasagne--she loved their mother's lasagne. And for an entire year Sprite couldn't even stand hearing the word, let alone the sight of it. And to have her ask for it, when they all knew that Thena was somehow the worst cook of all three of them.

Gil blinked as Thena dropped her head, squeezing her eyes shut and pressing her hand over her eyebrows again. His hands hovered around her, never crossing the last few inches of boundary she held.

Thena was just as shocked as she leaned froward and her forehead met something firm. But she couldn't choke it all back, a squeak escaping her as her tears dropped to the musty old storage closet carpet below.

"Hey," he whispered soothingly. Of course the bastard was great at comforting people too. Why wouldn't he be? Why wouldn't he be so completely perfect? "It'll be okay."

She usually hated when people spoke so certainly. Because what did they know? What assurance did they have? But Gil meant well. He only ever meant well. Her breathing slowed and she realised she was truly letting him embrace her. What an unfortunate turn this had taken. But he was warm, and he smelled nice. And it felt nice when he rubbed her back.

Gil let her pull away, not making a grand affair out of the whole thing. He brushed away a few more tears of hers, "you okay?"

She nodded. She was far, far from it. But she could probably get through the rest of the work day without humiliating herself further. Her throat felt dry as a bone. "Thank you."

Gil tilted his head at her. He did give off the first impression that he would be some meathead, into his own looks and loud and brash and hypermasculine. But he was kind, he was considerate of others and his good nature only made him more sensitive to those around him. "I mean it, Thena, if there's anything you need at all."

He was one of only a few who even knew about her sisters. She didn't really go around announcing her past, and she wasn't one for keeping precious personal keepsakes on her desk either. But Gil had once seen her phone light up with a notification and asked who the girls on her lockscreen were.

And as much as she could have told him to mind his own business - and he would have, knowing him - it seemed worse to ignore it. So she had told him about her sisters, and how she had basically acquired them as children, as far as the state was concerned.

The biggest advantage to Gilgamesh knowing about her duties outside the office was that he was her biggest defender whenever she couldn't make events outside of work. Of course a lot of deals happened out of the office as well as in, and being able to seal those deals came with the job. But Gil always had an excuse ready for her when she couldn't join them for drinks after work, or make a round of golf or two on sunday morning.

He smiled as she finally picked her head up. "There she is."

She chose to ignore that. She sniffled, dabbing at her eyes again. If anyone asked her if she was okay once she stepped out of this closet, she might commit an act worthy of termination. "Thanks."

"Any time," he shrugged. He still didn't leave. "I saw you get up from your desk. I thought-"

Silence came over him, perhaps at the admission that he had all but followed her here. Any other coworker and she would have her keys in her hand and a knife with his car's name on it. But only Gilgamesh could say something like that and have it be just as innocent as he meant it.

"Sorry," he concluded, having discouraged himself yet again. He blushed.

She truly was a bitch of epic proportions to inspire this level of fear from the sweetest man alive, she gathered. Usually that wasn't a problem, of course, but just this once: it was undeserved. "That's nice of you, Gil."

That seemed to surprise him even more than walking in on her crying in the closet.

She finally reached for the doorknob, and Gil nearly leapt out of her way. She headed back to her desk, with the same papers in hand as when she had first gone in. At least at her desk, she could take a breath. Her computer was still open on emails, she set the papers beside her.

Of course

She replied to Sprite, although if she got more texts she was just going to tell her not to text in class.

If her sister wanted lasagne, then she would find a way to make it happen. Affection was not her most polished skill, but love needed no polishing. If her baby sister wanted lasagne, she would have it.

If only she weren't a horrendously bad cook.

Sersi was decent, but she only ever let her help when Sersi herself seemed eager to do so, and that was usually on weekends. And Ajak was an excellent cook. Her handwritten recipes alone would not help Thena actually produce the promised product.

Thena picked up her phone again. She scrolled until she could select the contact in her phone. Perhaps it was silly to text him when his desk was in sight of hers. She was just in a closet with the man. But she selected his name and typed.

Can you make lasagne?