#i have so much debt :) and no money to pay it off :)

[nerdykeppie]

Holiday Shopping that fights period poverty for college students? Yep! Read on. :)

After the success of our June/Pride 2024 sales goal, where we managed to eliminate a lot of the debt we accumulated while I was unable to work earlier this year & stock up cash so we didn't have to borrow for payroll during the fall lull and also donate to @queerliblib, we were considering where to focus on this year when a conversation I had with my mom pointed me in the direction of our charity for Holidays 2024: the East Stroudsburg University Warrior Food Pantry, and specifically, stocking menstrual products at the pantry.

Without getting too much into the weeds about the details - which I'll talk about under the cut for those of you who are interested - here's the pitch: we need to hit a gross sales goal of $45K in December in order to pay our bills and payroll basically until Pride starts up. Businesses like ours are very much feast or famine, and we've got to eat and we've got people whose paychecks depend on us having the cash to pay them.

If we hit that goal, we'll donate the equivalent of 1% of our net profit from the month of December in period products -- tampons and pads, specifically, by request of the food pantry, and possibly reusable pads and menstrual cups, if the pantry wants that from us. (At the end of the day, this is about taking care of people the way they need, and we'll listen to the pantry staff about what people are requesting.)

We've currently got our Bottoms & Tops sale going, too, so you can buy 2 tops or bottoms from the linked collection & get 69% off the 3rd item from that collection.

Okay, so for the long version whys and wherefores:

My mom taught math at ESU for 35 years, and she and Dad now volunteer running the food pantry along with a couple of other people. ESU is a state school, and as such is one of the few remaining vaguely affordable schools in Pennsylvania. A lot of its students are self-supporting for one reason or another -- many are "non-traditional"/adult students, have kids, or don't have families that can support them while they go to school. Mom & Dad have pushed to expand what the food pantry offers to personal care items, which has been difficult due to a bunch of boring stuff about money and state entities and also people thinking 'that's not food,' but Mom is stubborn about it, because -- to paraphrase her -- how can you focus on class when you feel gross? This struggle has been especially difficult for menstrual products, and way more so for tampons, because it's a rather conservative area and... yeah. People get weird about it.

I've been really broke, with a young kid, and reliant on food pantries, which rarely, if ever, have any menstrual products, let alone tampons. Period poverty is very real, and it sucks.

Plus, I gotta tell you, if we can send a bunch of boxes of tampons and pads to the food pantry, well... Rumor has it this will help my mom win an argument over whether those items should be carried at all, because what are they gonna do, throw them out? They're here! They've been donated! Wasting them would be terrible. :)

So that's the pitch, guys. Help me make a direct, measurable difference in the lives of people at the school where I went to winter swim team, the school that fed me growing up... and help my mom win an argument about making people's lives better... and get your holiday shopping done while you do. ;) We start counting sales from the minute I hit post. :P

[yourfatherlucifer]

| 𝒮𝑒𝓁𝒻𝒾𝓈𝒽 𝐿𝑜𝓋𝑒 | Chapter One

Mafia!Ot8!Ateez x Female!Reader

Summary: After losing everything through gambling, your father's debts to the Ateez Mafia have resulted in you becoming their property. With no other family left, you are now at the mercy of these dangerous criminals due to your father's reckless actions.

Warnings for this chapter: Slight Parental Abuse, kidnapping, mental breakdown, MDNI

My Thankful Help: @potatomountain @kitten4sannie @rems-writing

WC: 1.7k

AU: Mafia

Nets: @othersideoutlawsnetwork

AN: This chapter is under 2k because as I said, the first chapter would be short.

Tags: @xomakara @jedi-dreea @beabatiny @ateezaddict24 @spenceatiny18 @18fernanda @prodsh00ky @evercodeee @yizhou-time @smally97 @eshia-16 @daniela-f-uwu @peachyy-joonie @butterfliesinthenightsky @dassmyname @unlikelysublimekryptonite @dollinno @stay-tiny-things @joongscheese @misskarynie @monstacheol @yeosangcutie0615 @mariaa @pinuspot @amphiroxx

@hyukssunflower @witchbxtch0701 If I cannot tag you, please fix your settings.

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“Dad, please, this is all I have left!” Y/N’s dad didn’t care, he snatched the few bills she clenched in her palms, then shoved her to the floor.

“I don’t care. I need it more, you brat.”

Her father left her on the cold hard floor without another thought as he exited her home.

This all started five years ago, when her mother died and her father became a huge gambling addict. Every bit of death insurance money that was left for their daughter was stolen by the father for excessive spending.

Whatever, his ass can forget it.

Y/N had to return to work if she wanted to keep her home, rent and bills were definitely no joke. With a sigh and groan, she grabbed her apron and hat. As much as she hated her customers, she had a good job. It paid well and gave her a nice home: small, but nice. The best part is that it’s away from her fathers run down house.

Oh the family home..it used to be so beautiful. Y/N’s mother always kept it so extravagant and beautiful, her father actually built it for her mother. Alas, once she died, Y/N’s dad let it fall into disrepair. Holes in the floor, broken windows, no working appliances. It truly was just, not hospitable in any way shape or form.

The walk to the car was miserable, with her pockets robbed of the last cash she had, her bank account stripped clean of its currency. Y/N hated her father in these final minutes to her car, “Piece of shit, hate his ass.”

Her car struggled to start, pissing her off even more. Her hands smacked against the steering wheel and she let out an agonizing scream. Tears streamed down her face that signified her further frustration. Why? Why not was her life like this? Y/N stepped out of her car with a slam of the door. Bus transposition it is. She could only count on the money she made tonight to make it back home. Her bus card only had enough for one ride.

Y/N grabbed her coat before heading back outside to the bus station, it better not be packed. Her day was already shitty and she didn’t need to be jostled around by people on the way to work.

The moment she stepped onto the bus and scanned her card, only then could she breathe a sigh of relief. There was no one on the bus which gave her momentary tranquility. A peaceful silence if you must.

After the jostling bus ride and arriving to work, Y/N prepared for a long day ahead of her. Hopefully having no shitty customers and ending the day with a good pay.

She needs it.

About six hours later, she was clocked out of work with some cash in her pocket, she had made about one hundred and twenty four dollars. It wasn’t much, but it was enough to get her home and maybe something ordered to eat. Tomorrow's payment would have to go to rent no matter what. She absolutely cannot afford to be homeless.

It had turned dark outside on the way home which she didn’t mind but alas, men. She never had to worry about that but she still worried regardless.

With her home in sight, she let out another sigh of relief and stepped inside. Why was it so dark? She knows she left the lights on. She was sure she left them on. Y/N was about to bolt when hands grabbed her and the lights turned on.

Three men resided in her home entrance and she panicked, “Who the hell are you people and why are you in my home?” She tried her hardest to break away from the man’s hold, she couldn’t see what they looked like and that scared her.

A short one with orange hair pushed himself off the couch with a frown, “You’re not Mark..” His face grew cold, “Might I ask who you are instead?”

Y/N could only scowl before giving in, “I’m his daughter. What do you want with my father?”

“Well, you see, he owes us a hefty bit of money. He listed this place as his home but he’s not here. Do you know where he is?” He came face to face with the girl as he scanned her body up and down. Quite the specimen indeed, he thought.

Y/N shook her head, “Why the hell would I know where that deadbeat is? He’s nothing but trouble and continues to steal my money.”

This made the man laugh, the others stiffening.

“Oh, yeah, sounds just like him.” He thought for a moment before nodding to himself, “Well, guess we’re gonna have to take you instead! Maybe we can lure him out with you.”

Before she could protest and scream for help, something was bashed against her head and she fell to the floor in a blackout.

Time flew by quickly.

The moment she woke up, she realized she was in a cell, her body wrapped in a tight rope and her legs barred together tightly.

Y/N began to cry, of course her father would get her in this situation. What a dickweed.

A light quickly flashed into the dark room, someone stepped in.

“Oh, good. You’re awake.” The voice was monotone, “Captain wants to see you.” The sounds of keys jingling rattled her ears, swearing she had a concussion.

She was quickly yanked up and taken outside of the cell, “Do not attempt to flee, I will just shove you back in there with nothing to eat.”

Y/N gave in and let him take her upstairs. She was astonished by his beauty once they reached the light. No, no, do not think that way, she thought to herself. She was kidnapped.

She was taken to a room that was secluded from the rest, chandeliers lining the hallway as she walked, well, was forced down. Still, a beautiful place that astonished her.

Once she was shoved into the room and the door slammed behind her, only then could she look up from where she fell.

The other man stood up from his seat and helped her stand up, “I told you to be gentle, Jongho. Follow my orders next time or you know damn well what happens.”

“Yes, Hongjoong, sir, I’m sorry.” The voice spoke from behind the girl.

This guy was the boss?

“I’m Hongjoong, I’m the leader of ateez and you’re in our home. You can thank your father for that.” Hongjoong gently brought Y/N to a seat and sat her down, sending shivers down her spine.

“What do I have to do with my father? He’s not going to rescue me. He only cares about his money.” He didn’t like those words but quickly gathered his cool.

“No matter, fathers always come back if they want to escape our wrath.” Hongjoong cleared his throat before he stood up once more, “You’ll be staying with us until he makes an appearance or pays us back.”

She knew neither was going to happen. She’d be stuck here forever until the day she died.

Tears lined her eyes as she tried to fight them back, “Then you should just kill me.”

Hongjoong laughed in such a maniacal way that it scared Y/N, “I won’t be doing that either, you’re too pretty to kill. I like you.” He wasn’t sending any red flags but still, he scared Y/N.

“Fine.”

“Good girl. Jongho, take her to the room I had prepared and have the maids clean her up and feed her.” With a wave of his hand, Y/N was back to being yanked around, “Be gentle, dammit!” His fist smacked against the desk and Jongho was frightened once more, being more careful than he had before.

When the two of them were out of sight, Jongho was harsh once again, “I don’t like you. I don’t see why Captain has such an interest in you, I would’ve just killed you if I was in his position.”

Y/N couldn’t say anything, she was too scared, too afraid to die in all honesty. She could only wonder what would happen to her home, her job, everything she had. Would she just be reported as missing? What would happen? Would anyone even care?

“You’ll be staying in here.” She was shoved into a room once again but maids rushed to her this time, helping her to the bed, almost as if they were also afraid of Hongjoong.

She didn’t blame them.

Y/N didn’t even fight back, she let them undress her, too hollow of shell at the moment. They led her to a prepared bath, it was..big. Too big.

They helped her inside and began washing her body before she shouted, “I can do it myself, thank you.” The maids didn’t scamper off unfortunately.

“We’re so sorry, but Mr Kim wants us doing this. We have to.” They spoke with such a frightening tone, almost as if they were gonna get their heads chopped off on a stand.

They scrubbed her body with such ease and care, not wanting to hurt the girl. Too scared to do so. Then again, they haven’t had another girl in the house in so long. It was nice.

Once they were done, they had her step out, drying and dressing her in a gown. Something she normally would never wear, alas she has no choice unfortunately. If this is what the man wanted her to wear then so be it.

The several maids took their leave for a moment and Y/N took that as her chance to escape. She bolted out of the bathroom, out of the room, then into the hallway. Her heavy breaths carried her in a panic, but what she didn’t expect was to run in a hard chest.

Y/N screamed in defeat as they grabbed her tight. She recognized the hold as the person who captured her home.

“Just where do you think you’re going?” The voice snickered in such a mimicking tone, “Mm, captain is gonna love to hear about this.”

Y/N stared up into his eyes, yet another beautiful man and this one was definitely tall.

“You do look delicious.” However, he shrugged and dragged her back into the room, “I’m Mingi, though, next time you try to escape, I won’t be so lenient.” The door was slammed as Mingi left her in the cold and dark room once more.

Y/N could only cry as she came to the conclusion she was never leaving this place.

Ever.

[rottenpumpkin13]

Ouran High School Host Club: but it’s Shinra instead of High School, and Cloud is the unfortunate and very poor infantry man who gets lost and wanders in during a fancy host party event for the elite on accident and breaks a very expensive vase that was set to be auctioned off to the highest bidder later that night and is essentially in debt to Shinra and all of their hosts until his debt is repaid in full. And yes. Rufus, Reno, and Tseng as well as Genesis, Sephiroth, Angeal and Zack are all included as hosts because Shinra would absolutely whore out their prettiest employees (and his son) to the public for money. And now Cloud as well.

Cue Cloud "not today, satan" Strife

Rufus: That vase was worth more than your entire salary.

Cloud: Oh, I’m sorry! How much was it?

Rufus: It's fine. You'll just work it off as a host.

Cloud: But I don't work for free.

Rufus:

Cloud:

Rufus: The vase was ridiculously expensive and you don't have the money to pay for it, so naturally you will work here to pay it off.

Cloud: But you can't charge me if I've been injured on company property.

Rufus: But you're not injured on company—

*Cloud drops to the ground*

Rufus:

Cloud: According to Shinra Employee Contract Section 7B, any damages to company property during work hours are covered under company insurance, which this would fall under.

Rufus: Then we'll charge you as a civilian.

Cloud: Can't do that either. I'm in uniform, which makes me a Shinra employee. The company assumes liability.

Rufus:

Cloud: Actually, if we factor in my current hourly rate, overtime compensation I haven't received, hazard pay from last week's monster incident, and the mandatory break periods I worked through, plus the uniform maintenance fee that should've been reimbursed, and the medical compensation...

*Cloud pulls out a calculator*

Rufus:

Cloud: According to my calculations, Shinra actually owes me 47,892 gil.

Rufus:

Cloud: Debit or credit?

[tearfest]

sorry to log on n rant but i need to rant

[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

[orcelito]

Tfw I got a call from the student loans people and I realized I haven't paid it for 3 months

Whoopsiees

[fatedvoyage]

when your petty side comes out 🗡️

[takamoris]

Money, the lack of money, and the requirement to have money in order to survive are the sources of literally all of my deepest problems. I need America to burn, and I need capitalism to burn as well.

[southislandwren]

what if i spent all my farm savings on student loans and was done paying by like 2030

[rubenesque-as-fuck]

Anyway it's been so long since I've actually been able to add anything to my credit union savings that they locked the damn account 😩

[stellardeer]

i have to come to terms with the fact that I am actually well off for someone in this country now, like.. idk it's weird

i'm still living the exact same lifestyle that i was before, so for the most part it feels almost like nothing has changed, like maybe im spending a little bit more money on food and buying the "good" toilet paper, but all that does is allow me to actually have savings in my bank account

i still stand with the working class and impoverished people of this country, and I am very much still in the boat of "one [very] bad day from homelessness" so i am not taking this for granted whatsoever

i've just been watching some of those youtube channels where they interview random people all over the country and just like.. kinda show what their life is like and it's definitely putting mine in perspective

very very grateful for the opportunities i have had and very proud of myself for forcing myself to stay in college (even tho it took almost 10 years to finish and left me with a mountain of debt) and just like.. idk, i feel like i could be doing more to help people out, i can't wait til im out of debt ;o;

[kagebros]

I think I’m gonna try and get a table for TFcon Toronto! I’m gonna be premiering Elita One as the TFcon Toronto exclusive if anything, but if all goes well, I’ll be there this summer <3

[naturenaruto]

anyways 30 really does indeed Hit Hard so if i gave any advice to anyone itd be to think about your life like youve just gone back in time, time travelled to 5 years ago. pretend ur life got worse in the future but you got to go back, what would you have changed 5 years ago? what was the biggest problem you had 5 years ago?

is the same stuff still a problem now?

[orcelito]

Desperately need to commission an icon of orcelito so I don't keep just recycling the same 4 like I have for the past 7 years

[alagaisia]

This is something I learned at one of the pre-op visits for my breast reduction! My surgeon was basically I think an independent surgeon (as I guess I would imagine is common for “cosmetic”/plastic surgeons?) and she was telling us a little bit about what to do for talking to insurance about the surgery and stuff, and she mentioned that for us going through insurance it would be at a particular hospital, but she also often did surgeries where people didn’t use there insurance, and she did those at some other place, and the price she charged up front was much lower, because that was the actual cost of the surgery (and equipment and everyone’s salaries etc.) and she had to raise the ticket price significantly when people would go through insurance, because the insurance company would negotiate that price down, and then keep some of the money. (Obviously for us and many others it still worked out to be cheaper for us out of pocket to go through insurance, but the amount she made was roughly the same even though it would look like she charged thousands more for my breast reduction than for someone not using insurance)

So, when you get those bills from your insurance after a doctors visit, and there’s that little table that tells you, this is the cost of the visit, this is the discount we got you, this is how much we paid, this is how much you still have to pay?

That line about “we got you this discount” is misleading. They actually caused the provider to raise the initial cost of your care by that amount, or more, in anticipation of the insurance company refusing to pay the full amount so that they could tell you they got you a discount.

"Why does a 15-minute visit with a doctor cost 150 bucks in America???" you're gonna want to read Money-Driven Medicine, by Maggie Mahar, and probably also The Social Transformation of American Medicine, to answer that question. It is not because your doctor is a greedy bastard; your doctor does not see most of that money. It is because the system is broken to a level that is truly impressive in its dedication to making a shit ton of money for insurance company executives and shareholders.

[29121996]

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