#i still have to pay off my credit card and pay my insurance

[medicaltechnician]

tw/ weed and addiction talk/withdrawal talk

i. might be experiencing withdrawal symptoms. maybe thats whats wrong with me. i’m going to say thats what’s wrong with me. We’re gonna ignore my history of worrying and thinking i have a specific illness or disorder.

I mean. It’d make sense. My sleep is fucked, my appetite is fucked (idk, i like food and like to eat and would like to eat but we don’t got anything tastey in my eyes.)

uh, i have a little headache sometimes, but that seems more related to a possible problem with my teeth/clenching my jaw.

defo been experiencing mood swings and depressive symptoms, but also, i feel like I was like that before the weed. At least the depressive stuff.

I’m less irritable then I used to be actually, i think that shit spiked when I was on T. I stopped taking it in oct. It’s just hard to get to the pharmacy lol. (And do my bloodwork… whoops)

My dreaming is fine.

So maybe it’s not withdrawal. Idk. I’m not a professional. Not that it seems professionals tend to help anyways. I just confuse them? I need to get better professionals.

[twistedappletree]

i got my taste/smell back!!!

[threadmonster]

I absolutely hate American healthcare 乁⁠(⁠ ⁠•⁠_⁠•⁠ ⁠)⁠ㄏ

[ms-demeanor]

On insurance: I still live with my parents and don't know a lot yet about the sorts of things adults usually have to spend money on. I've always been skeptical of things like insurance and credit cards because it seems to me they wouldn't be selling that if they didn't expect to make money from it. I talked to my cousin a while ago about credit cards and basically came to the conclusion that they do that because they're betting on the customer getting sloppy and letting their debts stack up, and the way you beat that and get money from credit card companies is just by being careful.

I'm a little more confused about insurance though because it seems much more straightforwardly like a gamble they will simply not take if it won't pay off for them. Like, you don't go to a casino because every game they play at a casino is one they've done the math on and have determined that statistically most people will lose money on most of the time. Is insurance not kinda the same? Where they estimate the risk and then charge you an amount calculated to make sure it probably won't be worth it for you?

I know if you have a car you legally need car insurance so everyone knows you can pay for another car if you crash into someone, and I gather that here in the US at least health insurance companies have some kinda deal with hospitals so that the prices go down or something, and there's a reason I don't fully understand why not having health insurance is Really Bad. But we get to pet insurance, or like when I buy a concert ticket and it offers ticket insurance in case I can't make it to the show, and surely if they thought they were gonna lose money on that they just wouldn't sell it, right? Or they'd raise the price of it until it became worth the risk that something bad actually will happen? Wouldn't it only be worth it to buy insurance if you know something the insurance company doesn't?

So the deal is that most people don't use their insurance much, and often insurance companies will incentivize doing things that will make you use your insurance less.

So, for example, you can get a discount on car insurance if you have multiple cars because people who insure multiple cars are more likely to be responsible drivers (the ability to pay for multiple cars stands in as a representation of responsibility here). The longer you go without an accident, the lower your premiums get because that means that you are not costing your insurance company anything but you are paying into the system. The car insurance company's goal is to have the most responsible, safest drivers who never get into car accidents because they can predict (roughly) how much they're going to have to pay out to their customers and they want the number they pay out to be lower than what's paid in. So they try to discourage irresponsible drivers by raising their rates and encourage responsible drivers by giving them discounts.

Health insurance companies often do the same thing: I recently got a gift card from my health insurance company because I had a visit from a nurse who interviewed me about my overall health and made sure I had stable blood pressure and access to medications. It is literally cheaper for my insurance company to give me a $100 giftcard and hire a nurse to visit me than it is for me to go to my doctor's office a couple of times, so they try to make sure that their customers are getting preventative care and are seeing inexpensive medical professionals regularly so that they don't have to suddenly see very expensive professionals after a long time without care.

Insurance in the US has many, many, many problems and should be replaced with socialized healthcare for a huge number of reasons but right now, because it is an insurance-based system, you need to have insurance.

We're going to use Large Bastard as an example.

Large Bastard had insurance when he had his heart attack and when he needed multiple organs transplanted. He didn't *want* to be paying for insurance, because he thought he was healthy enough to get by, but I insisted. His premium is four hundred dollars a month, and his out of pocket maximum is eight thousand dollars a year. That means that every year, he pays about $5000 whether he uses his insurance or not, and if he DOES need to use the insurance, he pays the first $8k worth of care, so every year his insurance has the possibility of costing him thirteen thousand dollars.

The bill for his bypass surgery was a quarter million dollars.

The bill for his transplant was over one and a half million dollars.

His medication each month is around six hundred dollars. He needs to have multiple biopsies - which are surgeries - each year, and each one costs about twenty thousand dollars.

Without health insurance, he would very likely be dead, or we would be *even more* incapable of paying for his healthcare than we are right now. He almost ditched his insurance because he was a healthy-seeming 40-year-old and he didn't think he'd get sick. And then he proceeded to be the sickest human being I've ever known personally who did not actually die.

Health insurance costs a lot of money. It costs less money for people who are young and who are expected to be healthy. But the thing is, everybody pays into health insurance, and very, very few people end up using as much money for their medical expenses as Large Bastard did. There are a few thousand transplants in the US ever year, but there are hundreds of millions of people paying for insurance.

This ends up balancing out (sort of) so that people who pay for insurance get a much lower cost on care if they need it, hospitals get paid for the care they provide, and the insurance company makes enough money to continue to exist. Part of the reason that people don't like this scheme is because "insurance company" could feasibly be replaced by "government" and it would cost less and provide a better standard of care, but again, with things as they are now, you need to have insurance. Insurance companies are large entities that are able to negotiate down costs with the providers they work with, you are not. If you get hit by a car you may be able to get your medical bills significantly reduced through a number of means, but you're very unlikely to get your bills lower than the cost of insurance and a copay.

Because of the Affordable Care Act, which is flawed but which did a LOT of good, medical insurance companies cannot refuse to treat you because of preexisting conditions and also cannot jack up your premiums to intolerable rates - since Large Bastard got sick, he has had the standard price increases you'd expect from aging, but nothing like the gouging you might expect from an insurance company deciding you're not worth it.

Pet insurance works on the same model. Millions of people pay for the insurance, thousands of people end up needing it, a few hundred end up needing a LOT of it, and the insurance companies are able to make more money than they hand out, so they continue to exist. This is part of why it's less expensive to get pet insurance for younger animals - people who sign up puppies and kittens are likely to be paying for a very long time and are likely to provide a lot of preventative care for their animals, so they're a good bet for the insurer. Animals signed up when they are older are more likely to have health problems (and pet insurance CAN turn animals away for preexisting conditions) and are going to cost the insurance companies more, so they cost more to enroll (and animals over a certain age or with certain conditions may be denied entirely).

This weighing risk/reward is called actuarial science, and the insurance industry is built on it.

But yeah it's kind of betting. The insurance company says "I'll insure ten thousand dogs and I'm going to bet that only a hundred of them will need surgery at some point in the next year" and if they're correct, they make money and the dogs who need surgery get their surgery paid for out of the premiums from the nine thousand nine hundred dogs who didn't need surgery.

Your assessment of credit is correct: credit card companies expect that you will end up carrying a balance, and that balance will accrue interest, and the interest is how they make the money.

And it is EASY to fuck up financially as an adult. REALLY EASY. But you are still likely to need a good credit score so you will need a credit history. That means that the correct way to use a credit card is to have a card, but not carry a balance.

To do this, never buy anything on the card that you can't afford. In order to avoid needing the card for emergencies, start an emergency fund that is at least 3 months of your total pay *before* you get a credit card. That seems like a *lot* of savings to have, but from the perspective of someone who has had plenty of mess-ups, it's a lot easier to build up a $10k emergency fund than it is to pay off a $10k credit card debt.

If you don't understand how interest works on credit cards, or why a 10k savings is different than a 10k debt, here are some examples working with $10k of debt, 23% interest (an average-ish rate for people with average credit), and various payments.

With that debt and that interest, here's how much it costs and how long it would take to pay off with $200 as the monthly payment:

Fourteen years, and it would cost you about twenty four thousand dollars in interest, for a total amount paid of about thirty four thousand dollars.

To save $10k at $200 a month would take four years and two months.

Here's the same debt at $300 a month:

4.5 Years and it costs about six grand (again, just in interest - sixteen thousand dollars total). Saving ten thousand dollars at three hundred dollars a month would take just under three years.

Here's the same debt at $400 a month:

3 years, about $4000 dollars (fourteen thousand dollars total). Saving ten thousand dollars at $400 a month takes just over two years.

The thing is, with all of these models you're going to end up paying one way or another. Insurance vs out of pocket is you weighing the risk of losing a fair amount of money by signing up but not using the system, or potentially losing a catastrophic amount of money by not signing up.

For credit cards they really only work if you know you're never going to need them for an emergency, because an emergency is what you're not going to be able to pay off right away. I didn't have an emergency fund when Large Bastard had his heart attack and needed surgery, or when we moved between states suddenly, or when we moved between states suddenly AGAIN and needed to pay storage costs, or when Large Bastard needed a transplant, or when Tiny Bastard got in a fight with my MiL's dog, and the fact that I didn't have an emergency fund is still costing me a lot of money.

So, young folks out there: what's the takeaway?

Get insurance. Get the best deal possible, which usually ends up being the one you sign up for early. You may think you can let it ride without insurance, but man in the six months between when I graduate college (and lost my school insurance) and when care kicked in after 90 days at my job I got electrocuted and needed to go to the ER. If that hadn't been a worker's comp payout I would have had thousands of dollars in bills. Something could happen. You could break your leg, you could get hit by a car, you could suddenly find out that you actually have heart disease at twenty, you could develop cancer. Have insurance, you need insurance. You legally need car insurance in the US, and you financially need health insurance. If you have a pet, I think it's a good idea for them to have pet insurance.

Credit cards are not for emergencies, they are not for fun, they are not for buying things that are just ever so slightly out of your budget, they are for taking advantage of the credit card company and managing to get by in a system that demands you have a credit score. ONLY put purchases on your credit card that you already have cash for. Before you get a credit card, build up an emergency savings so that you aren't tempted to put emergency charges on your card.

If you DO end up with an interest-bearing debt, pay it off as fast as possible because letting it linger costs you a LOT of money in the long run.

Stay the fuck away from tobacco and nicotine products they are fucking terrible for you, they are fucking expensive, and they are not worth it put the vapes down put the zyns down put the cigarettes down I will begin manifesting in your house physically i swear to fuck. Knock that shit off and put the cash that you'd be spending on nicotine into a savings account.

Take care, sorry everything sucks, I promise that in some ways it actually sucks less than it did before and we're working on trying to make it suck even less but it's taking a while.

[llflorence]

Can I convince you to fall for me?

Sequel to Did you just -- kiss me? (Human AU, RatedE)

Inspired by this art by @gahellhimself-blog

“Oh, pshh!” Maggie says as she begins her second mimosa. The fine lines around her mouth have cracked as the face mask dries. “He’s not going to judge your sexual prowess on a little chipped tooth.”

Aziraphale glances around at the stylists. They’re all watching where he and Maggie sit, side by side in the massage chairs with their feet in roiling tubs of hot, soapy water. He just knows he’s being judged.

“It’s not so little anymore,” he complains, quiet enough so only they two can hear. “If you hadn’t talked me into eating that toffee —“

Maggie’s natural falsetto voice gets even higher as she lifts the bottom of Aziraphale’s flute toward his face. “Puh-lease. It’s hardly noticeable. It’s like the dimples on your ass, or the ski-jump nose.”

Aziraphale pushes her hand away and immediately takes offense. “And what is that supposed to mean?”

She laughs. The ladies in the chairs to their right look disapprovingly down long noses. “I only meant that it’s cute!”

Before Aziraphale can protest, Maggie downs the rest of her drink. She leans over, conspiratorially like. “It’s not like he’s going to know you can’t afford the dentist because you have no insurance and can barely make rent without help from your mother. Unless, of course, you tell him.”

Maggie is the nicest, kindest, most generous person Aziraphale knows, which is why she’s his best friend. Still, alcohol does tend to make her brutally honest.

She pats his hand and lifts the glass back to his mouth. If this wasn’t their annual pampering girls' day, he’d have refused. As it is, it’s New Year's Eve morning, and he’s way out of sorts. Maybe she has the right idea.

He finishes the mimosa in two gulps and forces himself to withstand the bittersweet fizzing in his nose and on his tongue. If he’d listened to Muriel and postponed this date until after the holidays, he wouldn’t be so miserable.

Well. He’d be less miserable.

Aziraphale lets Maggie pour him another glass from the chilled carafe in the cooler by her side. By the way things are going, he’s going to need it to make it through her advice for this evening.

“Now. You’ve already hired the Uber, right?” Her pretty, plump cheeks are quite pink.

“Yes,” he sighs. “But I can’t even pay for this spa treatment. I don’t know how I’m going to pay down the credit cards —“

“Think of it this way,” she interrupts, swirling her glass and staring off into the distance. The windows are dripping with condensation, obscuring the view of the street. “If you drive Ruby, you’ll be obligated to go take her home, won’t you? This way your handsome devil will have to drive you to his place.”

Aziraphale hasn’t told her about the text messages. He’s certain that Anthony has it in the stars to bring Aziraphale home. The man just doesn’t know what to expect.

(He thinks of Ruby where she’s parked on the street outside his apartment. Two-hundred-and-forty-thousand miles and the Subaru hasn’t failed him yet.)

“Yeah,” he grumps. “And when we get there and I drop my trousers, and all I have to offer is soft-serve ice cream —“

Maggie laughs again. A good-sized splash of orange juice and champagne spills on her sweater. “At our age, that’s the least of our worries!”

Aziraphale is pretty sure she’s never had to deal with a limp dick her entire life.

“This coming from a fifty-one-year-old lesbian whose pleasure button is on the outside .”

This time, the whole row of massage chair inhabitants turns to look at them, from both sides. Aziraphale quickly hides his face in his drink.

Maggie, however, doesn’t get the hint. Her volume is way past annoying, heading for indecent. “Maybe you fifty-one-and-a-half-year-old gays should try using your fingers. Or, better yet, your mouth .”

Mimosa sprays all over Aziraphale’s lap, soiling his clean pants and dribbling down his chin. At least he hasn’t choked this time.

Felicia, his stylist, brings him a towel. There’s a mischievous glint in her eye. “About ten minutes left on the timer. You two need anything?”

Maggie needs nothing, of course. “But Aziraphale is going to need his chest waxed. I’m paying.”

“Aziraphale most certainly does not need his chest waxed!” he says, horrified. Felicia shares a wink with Maggie, and he groans at their sudden partnership.

“Come on!” Maggie pleads. She swishes her feet in the bath and bats her long eyelashes. “Don’t you think you shouldn’t leave anything to chance? Second time around and all?”

His stylist’s eyebrows rise as she lifts and checks under his mud mask. “Got a date, have we?”

Aziraphale closes his eyes and wishes he were anywhere else.

“It’s so romantic,” Maggie coos, and he knows she’s about to tell the whole tale. He inhales deeply and beats her to it.

“A friend of mine and I reconnected after fifteen years. I’m attending as his guest at a New Year’s Eve party tonight.”

Felicia knows Aziraphale almost as well as Maggie, seeing as he subscribes to therapy via hair and skin care. She eyes him head to foot and runs her tongue along the inside of her mouth. “Keep the hairy chest,” she nods. “Run some of that conditioner I gave you last time through it. You’ll thank me. So will he.”

Aziraphale takes her advice as he stands in the shower under what can only be called a ‘stream.’ It’s more like a slow drizzle; he’s called the landlord three times about the clogged shower head. And the busted lightbulb inside the fridge. And the window that’s stuck open in the kitchen. It’s getting to the point where he’s just going to fix things himself. That is, if he knew how.

He waits as long as he can, until goosebumps form on his arms and he’s procrastinated enough. He’s about as clean as he can be, and he’s done everything possible to make himself presentable. Nothing he can do about the tooth, of course.

Aziraphale shaves and dresses and paces in the kitchen as he waits for his ride. The new cufflinks from Muriel look out of place with his not-so-new shirt and suit coat. But at least he’s not wearing something rented; he could never live with himself if he did that.

He smooths out his tie and glances at the phone lying on the kitchen counter. There have been no text messages all day from him. Aziraphale knows it’s because he’s busy. Today was the day Anthony was scheduled to finish up on that very personal business he mentioned last week. And that was none of Aziraphale’s business.

The phone lights up, vibrating as a call comes through. It’s Muriel, and he considers not answering it. They’re probably ringing with more advice. As if he’s not already horribly embarrassed about the whole thing.

“Hey, Dad,” they say, bright and cheery as usual. “Just calling to wish you good luck.”

Aziraphale tries to smile so that it will show up in his voice. “Thanks, Dear. It’s really going to be f –”

“If it’s like, really bad, remember you can call me and I’ll pick you up. Just like you always offered for me.”

It’s going to be a long, long night, he thinks.

The Uber driver sends him a text from the street, and Aziraphale says goodbye to his offspring. He collects his long wool coat, hat, and mittens, and almost forgets the scarf as he pulls the door shut. It gets stuck in the door as he climbs inside, but Aziraphale doesn’t realize it. He’s too busy trying to make his hands stop shaking long enough to send a text.

To Anthony J. Crowley.

On my way! 

It’s a short drive through the busy part of downtown. Traffic is horrendous, and Aziraphale watches the time as his ride is forced to slow down to allow revelers to cross the streets. At this rate, he’ll be fifteen to twenty minutes late. Not the first impression he wishes to make, especially if Anthony relates punctuality to sex.

Sex is all Aziraphale can think about. In a matter of days, he’s become obsessed. He worries about how he smells, how he’ll taste, whether he should eat or be eaten. It ramps him up so high that he can’t focus on everyday things, like remembering to turn the dryer on after throwing wet clothes in. Or bringing the garbage and the recycling out to the cans.

So when the car pulls up to a swanky hotel, all lit up like a Christmas tree, he’s adjusting his dick inside the new underwear he bought himself as a gift. He makes the mistake of feeling the tip for wetness, which, of course, is right there. And, god, he hopes it isn’t leaking through to make a dark spot on the front of his trousers.

He pays and thanks the driver, opening the door to find the end of his scarf coated with brown, sandy slush. It’s dripping like mad as he lifts it off the ground, as he tries to close the car door and not step in the salty, puddled mess next to the curb.

The night has already begun with a failure, as he slips on the sidewalk and loses his balance. He closes his eyes as he sees very clearly what is about to happen. He’s going to land on his ass and ruin his night.

But the fall doesn’t happen. Instead, he is rescued. He is rescued by a tall, dark, devastatingly handsome man dressed in a familiar Santa cap. Gold-brown eyes twinkle down at him, and Aziraphale feels his breath catch in his throat. 

“Oh!” he manages, shocked and thrilled and a hundred other emotions all at once. Anthony has both hands firmly under Aziraphale’s elbows. And he’s smiling.

He’s smiling.

“See,” he begins, voice six shades of seductive as he steadies Aziraphale on his feet. “I thought maybe I could eventually convince you to fall for me, but this is ridiculous.”

Read on AO3

[dovesndecay]

It's June! It's Pride! It's (my) Birthday!

The Introduction Spiel:

Hi, I'm Reyah! (any pronouns! no really, go for it!) On June 21st, I'm turning 32, an exciting and mysterious age to be!! (So I've heard)

Warning: This is a post asking for financial help, and if there's one thing I would ask is that if you read the whole thing: please reblog.

I'm a multiply-disabled queer person of color, a writer, artist, and photographer. I live with three of my best-good-pal-friends, (@renthony, @kryptidkhaos, and @natalieironside) and our collective army of pets.

We all know it's damned hard to be all these things at the same time under the capitalistic hellscape we're living under, and we/I am always in need of a lot of help with the existing.

I ended the month of May with some smaller bills left still to pay, but am thankful to say that June already had fewer bills than usual due, and the amount I need to start the summer off right is actually less than I was afraid it would be! Woohoo!

What I Make

I mentioned my artistic endeavors, let me show you them!!

Writing

I write less often than I'd like, but I share poetry and shorts, when I have them, on my Patreon!

You must be over 18 to pledge, as I have, can, and will again share Adult Content occasionally. Patrons pledging at least $1/month get access to all content. But most posts becomes free to access eventually. :)

When I do longer form content, I primarily write fantasy with a focus on queer brown characters with disabilities, mental illnesses, and disordered attachments. Because therapy is expensive, and writing is free.

Photography

I do wildlife and landscape photography, primarily, but you can also check out my portrait and event work on my website! You can purchase PRINTS HERE.

And because it's my birthday, I'm offering a 32% discount code for all my prints! The code is good from June 1st to July 1st!

A Note, if you purchase a print: first off: thank you. (please feel free to send a photo of wherever you display it!!!) secondly: this will not go towards the received totals on my financial need because Pixels doesn't pay out until nearly 2 months after the purchase. Funds made from sales will go towards future needs.

CODE: PDHHTR

Artwork

I've been exploring art, both analog and digital, a lot more lately, and have shared both process photos and final drafts on Patreon! Here are just a few examples:

I admittedly don't post on patreon as much as I wish I had the energy to, but I try to make at least one thing a month, provided I have the spoons and time.

Creativity is, like, a level 5 spell slot when you're disabled and impoverished, and I appear to have exactly One (1) of those available at any given time.

The Needs:

The Bills: $1,100

Yeah, we had to get here eventually. Since this post is already pretty long, I'm putting the rest under a cut.

More than half of this, as always, is just for the car payment and insurance that keeps the regular day-job-haver getting to said job, and all our medical appointments, errands, etc.

I still owe around $13,000 total on Johnny Car, but I think we all know that's just not a real number.

The rest of the funds would go toward paying the small subscriptions, for my various medications, and the regular attempts to whittle away slowly at the $4,300 worth of other debt.

($2,200 of back taxes, and $2,100 of credit card debt, and gods, do I mean slowly. Interest piles up so much faster than I can seem to whittle.)

If you're able and willing to help with paying the bills, direct donations can be made here:

PayPal | (link)

Venmo | (dovesndecay)

Cashapp | ($dovesndecay)

If you can, and only if you can.

The It Would Be Cools:

Since every dime that comes in goes primarily towards food and bills, there's little left afterward to be put towards other life necessities like clothes, toiletries, let alone things I just think would be nice/neat/nifty to have.

I have a High Priority wishlist. It's mostly art supplies, bulk toiletries, etc.

I'm woefully low on clothes, being short, fat, and trans, so very little of what I own actually feels good to wear so much as it simply covers my body. I have a wishlist of clothes that would be nice to have.

For everything that firmly lands under the "I just want it" category, I have an Enrichment list. It's mostly stuffies, but also games, room decor, hobby supplies, books, and stim toys.

Our household keeps a big wishlist for things we need, want, groceries, accessibility products, and everything in-between.

Okay, now what?

Well, now, I'm gonna ask that if you got to this point, and if you can't/don't want to do any of the things listed above, then please reblog this post.

The more people that reblog it, the more likely I'm able to pay my bills for one more month this year.

But if you don't, it's not like anyone's gonna know. I'm not omniscient, I swear.

Anyway, I don't expect anyone to do anything if you can't or even if you just don't wanna, but if you can and you're willing to, it means the world.

I didn't think this is where I'd be at 32. But I never really expected to get here at all in the end, and it's a lot nicer than I thought it would be. Mostly because I am surrounded by amazing people who have the capacity to be so much kinder than I will ever have the words to describe.

Thank you, and to all, a happy pride!

🧡💛💚💙💜🤎🖤

[darkficsyouneveraskedfor]

compos mentis 5

No tag lists. Do not send asks or DMs about updates. Review my pinned post for guidelines, masterlist, etc.

Warnings: this fic will include dark content such as noncon/dubcon, age gap, chronic health issues, and possible untagged elements. My warnings are not exhaustive, enter at your own risk.

This is a dark!fic and explicit. 18+ only. Your media consumption is your own responsibility. Warnings have been given. DO NOT PROCEED if these matters upset you.

Summary: After a long court case, your mother stays attached to her lawyer, bringing even more contention into your life.

Characters: Andy Barber

Note: hello again.

As per usual, I humbly request your thoughts! Reblogs are always appreciated and welcomed, not only do I see them easier but it lets other people see my work. I will do my best to answer all I can. I’m trying to get better at keeping up so thanks everyone for staying with me.

Your feedback will help in this and future works (and WiPs, I haven’t forgotten those!) Please do not just put ‘more’. I will block you.

I love you all immensely. Take care. 💖

The tension remains. It feeds into your anxiety. An impatience that needles in your chest. You want to get this done with. You want to go home. But each time that desperate yearning tweaks, you remember that you won’t be going home. Not right away. You’ll be going back to Andy’s. 

He holds the door for you again as you enter the pharmacy. You roll your tank with you, reminded by the squeaky wheels of the constant companion. It’s like a part of you. It keeps the parts of you that don’t work from failing completely. That thought makes you feel even smaller. 

Again, you walk down that middle aisle. The pharmacist greets you and Andy together. He replies as you stay quiet and browse the lozenges lined up under the window. 

“I don’t think we have her insurance on file,” the pharmacist says as he puts in the amount owing. 

“Don’t worry about it. Just give us a receipt and we’ll make a claim.” Andy assures. 

“I have...” you reach into your belt bag and sift around. “Here.” 

You pull out the card you keep on you at all times. There will still be a copay owing. You don’t have money on you. Your mother is always sure to swipe her card with a tut. 

“Um, I don’t... I don’t have the credit card,” you mutter at Andy. 

“That’s fine,” he steps closer, pressing against you. 

The pharmacist keys in your insurance number and hands the card back. You accept it with a sheepish smile. Your chest is tight and your cheeks are scalding. He taps the enter button and looks at Andy. 

“Five bucks, left over.” 

“Even?” Andy says lightly as he reaches into his back pocket, “no problem.” 

He opens his wallet and plucks out a bill, handing it over. You sink down in shame. You can’t even pay a couple bucks for your livelihood. The pharmacist hands over the stapled white bag with the receipt and script attached.  

Andy takes it and reads the label as the pills rattle inside. His eyes narrow as his gaze turns pensive. He clucks his tongue and offers you the bag. You thank him and hug it against your side. 

“I’ll get mom to pay you back,” you assure him. 

“Don’t worry about it,” he waves you off. “Like I said yesterday, I want to help out.” He gestures you ahead of him. You turn and head back toward the front of the store. He’s only a step behind you, trailing like your shadow. “Hey, do you think you could do me one favour?” 

You approach the door and grab the metal handle. The bag presses against it in your grasp as you try to pull it open. It’s heavier than you expect. Your pills drop and hit the floor. You gasp but before you can retrieve them, Andy scoops them up. 

He hands them over again. You look at him and frown, “what?” 

He opens the door and lets you through first. He follows again. “Did you want to write down all your appointments for me? I’d like to put them in my calendar. Just in case.” 

“My... appointments?” You echo as he points you toward his car. 

“Sure. Your mom must be stretched thin as it is. Might be why she gets a bit snappy. If I can help a little...” 

“You-- you don’t have to,” you murmur. 

“I want to,” he opens the passenger door. He hauls up your tank, dragging it from your grasp, and sets it in the SUV. “Must be hard, living in the hospital.” He offers his hand. “Your mom says you don’t have any friends.” 

Your eyes glaze at once. You’re humiliated. What else does your mom tell him for him to think you so pathetic? You grab his hand and heave yourself up into the car. 

“Thanks,” is all you can muster as you untangle the air tube and get your seat belt in place. 

He gently shuts the door and goes around to the other side. You squeeze the bag and look out the window, ignoring Andy as he gets in the driver’s seat. He doesn’t say another word as he turns the engine and patiently waits to pull out of the spot. 

He idles at a stop sign and flips on the stereo. You flinch and look over as the station titles flash across the display in the middle of the dashboard. He stops on a Current Hits station. 

“Bet you like this stuff,” he says as the sultry pop plays. 

You’ve never heard this song. You focus as you try to make out the lyrics. 

‘Say you can't sleep, baby, I know 

That's that me espresso 

Move it up, down, left, right, oh 

Switch it up like Nintendo’ 

Your eyes widen as you pick up the innuendo. You shift in your seat and lean into the door. You grip the handle of the tank tighter. 

“I don’t know this one,” you eke out. 

“Really? I heard this girl was really popular.” 

“Um, I’m not sure.” 

“It’s not bad, is it?” He taps his thumb so the volume increases. “I’ve heard worse, for sure.” 

You wallow in the rhythm and the lyrics. You can’t relate much to them.  

‘Soft skin and I perfumed it for ya...’ 

You try not to be prudish. It isn’t that sex stuff scares you or that you think it’s wrong. You just don’t know much about it. You don’t have the experience. You never had the chance to. It’s just a mystery that makes you feel stupid. 

“I like it,” he bobs his head, “what about you?” 

You shrug, “she has a nice voice.” 

You stare out at the streets as he drives on. The music doesn’t get much better. It seems like every song that’s popular is about... that. You zone out and let the words blur together. 

The car stops and the sudden lack of motion makes you dizzy. You sit up and undo your belt as you peek out at Andy’s house. You hope your mom is awake. She’ll probably want to go home. 

You get out before Andy can grab you or the tank again. As helpful as he is, it’s a bit suffocating. You don’t want to tell him so because you know he means well. Besides, after everything he’s done, it would be rude. 

He patiently trails you to the front door. You watch him punch in the door code, reminded of the coincidence that they perfectly align with your birth date. Does he realise? He would’ve had all your info to file the case and all that. You shake off that memory. You’re still recovering from all that. 

“What’s the matter?” He asks as he pushes the door open and steps back to let you inside. 

“Nothing, just... thinking of... stuff.” 

“The case?” He guesses easily. 

“Maybe,” you enter and stop to slip off your sneakers. 

“Did I tell you how good you did, sweetheart? You know, it’s a lot for most people but you really were so well-spoken,” he praises. 

“Mm, oh thanks, I guess,” you mutter. 

Before he can reply, your mother’s voice calls from the second floor. “Andy, is that you? Oh, my head.” 

She appears at the top of the stairs. She’s in a robe that’s too big for her. Probably his. She keeps her hand against her temple as she leans on the banister post. 

“There you are. I didn’t know where you’d gone.” She mopes. 

“Like I said, we just went to get her script,” Andy states flatly. 

“You were a rather long time,” she counters, swaying at the top of the stairs, “I missed you.” 

“Hm, well, it was a bit of a wait,” he says curtly. 

You inch away from Andy and your mom sneers in your direction, “I hope she wasn’t too much trouble.” 

“All good,” he assures, “it’s after noon. You should get dressed.” 

“Mm, yes, I suppose,” she sniffs. 

“I’m... I’m going to go to the guest room, make sure I have everything,” you utter. 

Andy sighs. “Sure, I gotta get back to work. Gotta make a call.” 

You climb the stairs as your mother disappears with a stomp. She isn’t happy with Andy’s dismissal. You go down the hall as a door slams. You go into the guest room, happy to hide there, knowing you already have everything with you. You’ll wait there until she’s ready to go. 

You stare out the window. That song is stuck in your head. The beat is good and catchy. Still, the lyrics make you squirm. 

The door swings open behind you. You cough as you face your mother’s blustery entrance, “what did you do?” 

You blink at her cluelessly, “mom?” 

“Yes, obviously you’ve pissed him off, so tell me, what did you do? I told you, I’d get the pills.” 

“I didn’t-- he said—he wanted too--” 

“Oh it’s never your fault,” she hisses. “After everything we’ve done and you just keep taking, don’t you?” 

“Mom, he only... we went to the pharmacy.” 

“You could wait. You’re not running dry on any of your precious pills. Like an addict.” 

You frown. The meds you take aren’t addictive, even if you are reliant on them. If it was up to you, you wouldn’t choose any of this. 

“No, I didn’t--” 

She storms towards you and grabs the belt bag around your waist. You squeal as she rips open the zipper and reaches inside. She tosses the contents onto the floor. 

“I’m missing a bottle of Xanax,” she snarls. “And you’ve been so spacy, haven’t you?” 

“Xanax?” You gulp, “no mom, I didn’t-- I wouldn’t.” 

“I’m not stupid. All you do is sit around and feel sorry for yourself and now you’ve got Andy doing it too.” She snarls and jerks by the belt bag, your air tube slipping off your ears. You cough and push against her. 

“Mom, please, not here. When we get home--” 

“So you took them!” She accuses. 

“No, mom--” 

“You’re such a lying little bitch,” she snarls. Her eyes flare like a snake’s. When she gets like this, she can’t stop. “I didn’t raise you to be a thief.” 

You struggle with her, trying to get her hands off the belt. When you can’t free yourself from her grasp, you push on the clasp and release it. She stumbles back as the bag comes loose and you stagger at the sudden release of tension. You fall back against the window sill and whimper. 

“I swear, mom, I didn’t take anything,” you plead and shield yourself behind your hand.  

She looks at the slack bag in her hand. She considers it as she tightens her hold on the empty pouch. She pulls her arm back and swings it at you. The plastic clasp hits your forearm, leaving a welt there as she reels back to lash again. 

“Danica!” Andy’s voice roars through like thunder. You falter and slip down to your knees. “What the hell are you doing?” 

Your mother’s face drains and her eyes round like a deer. She lowers her arm and straightens, her expression smoothing over as she faces him. “Honey,” she purrs softly, “I was just helping--” 

“No, I saw what you did,” he crosses his arms as you sit on your feet, breathless against the wall. 

“Look, honey,” your mother nears him, “she stole from me. Antidepressants. Do you know how dangerous that is? It could affect her other medications.” 

“So you’re beating her with a belt?” He challenges. 

She chokes and shakes her head, “no, it’s not—I'm just so stressed. I put so much into taking care of her and now she’s messing around with pills--” 

“They are in your goddamn purse,” he comes forward and tears the bag out of her hand. 

“What, no. I checked--” 

He snarls and grabs her wrist, dragging her out of the room. You gape after them, stunned and confused. This can’t be real. 

You grab your tank and use it to push yourself to your feet. You limp after them as he harshly marches her down the hall. His feet bang on the stairs, making you flinch with each step. Your mother whines weakly and begs. “Andy please, you’re hurting me.” 

He lets go as he gets to the front door and he grabs her purse from the table against the wall. He reaches inside and takes out the orange bottle. He shakes it in her face. 

“Don’t talk to me about hurting you,” he barks. “After what I just saw--” 

“It’s a misunderstanding,” your mother issues a brittle laugh, “sweetie, tell him, I didn’t hurt you.” 

“You’re laughing?” He grits. “Danica, get out of my house. Right now.” 

“You have to listen--” 

“Go. Now.” He raises his voice and you shrink back, terrified. His anger is like a storm. 

You mother huffs and drops her head. She turns and straightens her posture, “fine. Come on, let’s go.” 

She snaps her fingers at you. You grip your tank tightly at your side and wheel towards the stairs. She’ll just take this out on you at home. 

“Are you insane? She’s not going with you,” he insists. 

“She’s my daughter,” your mom snarls. 

“She’s your victim,” he retorts and grabs her arm. She whines and smacks him across the face. He recoils and brings his hand to his cheek. 

She pants heavily. His jaw squares as you feel his wrath roiling from the second floor. He’s quiet as he shoves the pills back into her purse and picks the whole thing up. He pushes it into her chest. 

“Go.” 

“Andrew, my car--” 

“You’re a fucking adult. Figure it out before I call the cops.” 

“The cops—Andrew, you can’t--” 

“Oh, I can’t? Because I will have a protective order by the end of today,” he snips. 

“I have guardianship--” 

“I can have it revoked,” he growls. 

She huffs and puffs again, “Andrew, please, you don’t understand--” 

“Get.” He takes a step back and opens the door. “Out.” 

Your mother shakes her head and turns to look up at you. “Dear, please, tell him--” 

You just stare, paralysed by the scene. This can’t be real.  

She snivels and wiggles her nose, crying without tears. She faces Andy again, “she hit me first--” 

“Out.” 

She cringes and snarls, fluttering her fingers in his face, “you’ll see, honey. She’s a burden you don’t want.” She flicks her fingertips at him and scoops up her heels. “You better call the police fast before I do.” 

No sooner than she steps out of the door than Andy swings it with a shaking slam. You peer down at him as your head wobbles. You fumble around for your oxygen, shaking as you bring it over your ears. He faces you and slowly climbs the stairs. 

“Come on, sweetheart, let’s go get your things together.” 

[why-animals-do-the-thing]

this is a slight detour from your usual subject matter but i'm very curious about your experience renting a high-quality camera lens? how did you go about doing that and have you been pleased with how it worked out? (the changing of hands i mean, it's clear you're happy with the lens!)

i didn't know this was a Thing before and now i'm wondering if i might be able to try that myself!

Oh yeah, it's absolutely the best thing if you can't afford fancy lenses / want to try out new gear / just need something for a special occasion.

There are places you can rent online that will ship you gear, and depending on where you live you can often also rent from local camera stores. I've done both!

Right now my main practice is renting lenses from LensRentals, which is an online company that ships out of Tennessee. They've got pretty reasonable rental prices, and they don't charge a deposit - but you do sign a thing saying if you damage or lose it, they can charge you. You can also pay for insurance on the rentals against damage or loss which would mitigate a lot of that cost if something went wrong. I've heard a range of opinions about them, but I've pretty much always had a good experience with them and gotten stuff on time that worked correctly, and their customer service has been really responsive for me when we had some snafus with shipping stuff back lately. One thing they do that I really like is their system is set up with an option to ship directly to FedEx stores for you to pick up, which means I don't have to worry about a package containing pricey gear getting stolen or rained on.

LensRentals also is willing to let you buy their rental gear, which is what I'm hoping to do before I send the really nice huge telephoto lens I've been using back tomorrow. They'll take some of the price of your rental off the purchase cost - it isn't a ton, but it generally covers sales tax and maybe a little more. I like it as a way to purchase used gear because I can see the condition before I commit, and I've had it in my hands and gotten to use it a bunch. That's how I bought my first real digital camera like a decade ago, and where I got my current camera and starter lenses.

If you've got a local rental store, I absolutely encourage going through them! I've done that when traveling - there have been some times I wanted a specific piece of gear to test on a habitat - and it's worked out really well. Plus, supporting local businesses is always the right choice. They'll often all operate a little differently, but it's nice to know people IRL who can help you decide what gear to use or just nerd out with you. Sometimes local places will ask for some type of deposit to make sure you bring the gear back, and TBH if that's within your budget it's perfectly reasonable.

Unfortunately, the local rental place in my area charges a deposit to your credit card for the entire worth your rental until you bring it home, and my credit limit isn't high enough that I can float a hold for that (e.g. upwards of four thousand dollars for the two lenses I'm using lately) and still be able to, y'know, use my card, so I go with online rentals. It drives me up a wall! I'd really like to support local businesses and minimize shipping costs / carbon emissions.

If you think you'd like to rent some gear to try out, I recommend it! Just make sure you know what's compatible with your camera, you've got a safe way to transport and store the rental when you're not using it, and that you know the terms up front. It's been such a fun way to play around and see what I like and what works well for me.

[gregorygerwitz]

apparently this is the year for this...

Please Help Us Out With Bills

Currently, I'm virtually unemployed due to health issues and my employer all but refuses to give me short term disability pay because I don't have a diagnosis yet. I'm doing DoorDash as much as I can, which brings in ~$150 a week if that. It leaves my roommate, @kitthekazoo, to cover most of the mutual bills - like rent - virtually on her own. But that does mean she can't pay her own bills (like car and insurance) after paying the second half of our rent this month.

Like I said, I'm doing DoorDash around doctor's appointments and other activities, like school (which is paid for by my employer, who I still technically work for, I'm just on an extended medical leave - it's excused time off, but I don't get paid at all), but that doesn't bring in much. My checking account (where my DD money goes) is negative almost $400 because things keep taking out and every single one of those charges also incurs an insufficient funds fee of $31.

I would need ~$750 just to get positive enough to pay Kit back for my half of this rent payment. Plus I have my own bills to pay - car insurance, credit cards I'm desperately trying to catch up with the payments on, gas so I can keep doing DD, etc.

I know it's a lofty goal, but getting $1k by the end of the month will keep us sane and housed while I navigate my medical issues. Hopefully, after we run a few tests next week, they'll have a better idea of what's going on and when I'll be able to go back to work, and these money issues won't keep coming up...

I'll link my accounts below, including my etsy where you can buy some crochet projects from me if you want something in return for your donation! Or feel free to message me here or on etsy if you want something made that isn't listed in my shop.

Thank you in advance for any little bit, even if you can just reblog to spread the word. 💜

paypal venmo: amwallace95 etsy

so far: 230/1000

EDIT: I fixed the links!

[partycatty]

im genuinely curious what ur take on a pregnancy scare with ds johnny would be cuz i personally can see him being all like "fuck yeahh i bred u haha ur mine fr now" but like he'd be an AWFUL father (imo) LMFAO

cranking this one out rq to answer your question, just gonna answer it instead of writing about it

dark star!johnny cage > pregnancy

CW: discussions of abortion & sex, ds!jc is a piece of shit

part 1* / part 2* / part 3* / part 4* / part 5*

[ masterlist ]

while i don't own the concept of the order of darkness johnny, my specific rendition of dark star!johnny would not want to have children.

i need you guys to remember that this version of him is a manipulative, abusive, narcissistic POS!

he's young, he's spry, he's a party man, and he would be fully convinced that a child would be a waste of time.

protection during sex feels like a workload to him so he'd often hit it raw, yet still become a disaster when your pregnancy test turns up positive.

he'd make you take five, ten, fifteen more before he's convinced. he'd accuse you of baby trapping. screaming matches so loud you both get migraines.

being a celebrity, johnny would pay you under the table to take care of it. that's how he would word it, too. "just get it done, and not a single fucking word to the press." his reputation is more important than a potential family life.

now let's say hypothetically you end up having a child with him. johnny would try to be a decent parent in his own stupid way, but in the way that a Man would. he'd call it babysitting, pretend like he's doing you a favor and giving you a night off. johnny would sit down and talk to the kid as if he was an adult, speaking professionally and quirking a brow when the baby would simply coo in response. how the hell do you talk to a baby? he'd pick up extra jobs, extra outings just to be away from the crying for a night after a while.

he'd tickle their chin like they were a dog, crouching down and going eye level with them. the baby would stare back with large eyes, and a part of him tears apart inside knowing he wouldn't be able to provide the kid with the emotional support they'd need. he decides that quickly, absolutely, as if there's no way to change that outcome.

they have his nose, and your eyes, but a mixture of your lips and his. he couldn't deny that the baby was cute, but he'd rather admire the cuteness than manage it. johnny would try to show off his admiration by releasing adorable photoshoots of the baby in onesies or wicker baskets, but then you'd argue that you don't want your child's face plastered all over hollywood. you don't want your baby to grow up to be like their daddy.

johnny'd be the credit card of the family. he'd fund the clothes, toys, medical bills, insurance, food, but you'd be the one in the store. he'd just flick his card at you and tell you to take care of whatever seems to be wrong.

even still, when the press would ask about his child, he'd beam and grin and even let some crocodile tears flow about how happy he is to have a little boy/girl with his wonderful partner.

and you'd be stuck at home with eye bags and the same clothes you'd been wearing for days, feeding the child and wondering when he'll be home.

[kingshovelbug]

Hii what is your best advice to younger adults trying to make it independently and make a living? In art, savings or anything you think of. Thank you in advance!

dont be too hard on yourself. its tough out there right now in regards to like everything regardless of what old people say. also this is going to be a lot so im slapping a read more on here

⭐️ first thing id recommend for anyone is to start figuring out a budget. figure out how much youre making monthly. keep all your food receipts for a month or two to see what youre spending on food. find out what youre paying for thats necessary like utilities and whats not

the goal for a budget (or at least mine) is to find a good balance of earning vs spending. im paying off my credit card right now because i ran through all my savings after we had to move last year but my goal used to be to save 1/4 of what i earned after bills and putting money into an emergency fund (usually an emergency fund is 3 months worth of expenses). but it depends on how much you can comfortably put away. if you can put more away do it. but if you never spend money and deprive yourself of joy youre going to burn yourself out regardless of what your job is

⭐️ if youre not already buy store brand for as much shit as you can. if its an ingredient i promise as someone who cooks and bakes you probably wont notice the difference. if its an actual snack it depends. again both from a money perspective and to boycott pro-isreal companies we get a lot of snacks from aldis and theyre awesome. i dont miss anything from mars, oreos etc when i have my chocolate coconut wafers

⭐️ if you have any subscriptions and you need to get rid of something you can probably cancel them. for *most* things theres some kind of free alternative. but again just like with a budget. there are going to be some subscriptions that make your life easier and while youd save money without them it would lead to extra work and burning out. ex willow has kofi gold because it has really cool extra features that help with running the shop. but for streaming services? im going to be so honest. both to save money and with how cheeky streaming companies (in a bad way) have been getting… you can find whatever you want to watch online for free

if you need to use anything from the microsoft office suite, but youre not required by youre job to specifically use microsoft, libreoffice is a free alternative that i actually like better. its what i use to help willow run their shop and its free

for art programs. if you still have photoshop switch. not just for money reasons. adobe is getting bold with what they can claim as their content and use from what people produce in their program. the switch isnt the easiest but there are a bunch of alternatives. some free some like csp offer one time licenses which are so much better than subscriptions. will has spent almost $2k on photoshop and after effects from using it as long as they have. when csp is $50 and they like csp better anyways. i also know of krita and fire alpaca which are free

⭐️ also theres stuff about being an adult that i thought you had to pay for but you dont? like for car insurance i went through an independent insurance agent and they found me a cheaper plan than i could find myself. i didnt pay the guy. they get a cut from the insurance company for finding them another customer. some banks or credit cards offer financial advising sessions to users. its boring but if you can get a copy of your health insurance see if they have any free shit on there thats available for you. my brother gets free doctor finding? like i can call them, tell them what specialist he needs and instead of me calling around to find one that can take him, they connect me with someone. my work offers 3 free therapy sessions (better than nothing) and free food that i take advantage of

⭐️ i think one of the biggest things that makes an impact for us is researching before buying stuff. sounds like a no brainer but you dont just want to find the cheapest deal. you want to find the best bargain, the best bang for your buck. whats the best quality thing you can get that you can also afford? itll prevent your from having to replace stuff all the time and by extension spending more than you need to. we have nonstick pots and pans that are scratched and starting to peel (which apparently can cause cancer??) that were cheap because of being on sale. now after looking into what makes quality cookware i know i should of just slowly bought stainless steel

⭐️ last big one. credit cards. unfortunately we need them so find one with a low apr and that offers decent cash back. use it up to like 20% of your limit and pay it off every month. focus on using it on things that will get you cash back so you can essentially get free money

im sure i could ramble more but this is already super long

[tinyshe]

Prayer request: as some of you know, I got mixed up with a fake "doctor" and am paying dearly with rapid decline of health and dangerously teetering on the edge. The newest doctor is six hour away. Right off she wanted an open credit card access on file (paying cash since she doesn't bill insurance as some of her treatments are outside western med recommended). Earliest appointment is a month away. I have people that will drive me but am feeling really nervous about the trip, the financial impact (I can hardly work few hours a week) and the new doctor. She is my last hope as the interim doctor to bridge this gap has become absent. My GP still offering assisted suicide doesn't help me mentally. I'm sorry for so much information; I feel like I need to explain why I am begging for prayer again. I'm feeling very fragile watching my body deteriorate. Will you pls pray I can get through this. Thank you, God bless.

[ms-demeanor]

I've been following what's been going on with Belphie the kitten and his person, Greer Stothers, has just mentioned pet insurance in a tag on a post and I wanted to give an example from my life backing up why pet insurance can be a good idea and why I think it is worthwhile.

Two years ago my sister's dog had bloat while she was on vacation. The kennel he was staying at recognized symptoms and called my sister to clear them to take him to the emergency vet. My sister is very financially secure and this dog is an enormous part of her life, so she said yes with barely a moment of hesitation. That ended up being about twelve thousand dollars of emergency surgery.

Large Bastard and I got pet insurance for Tiny Bastard the same week because we realized that if someone had presented that option to us, we would have had no choice but to have Tiny Bastard put down, and we didn't want to be put in that position.

I did a lot of research about different kinds of pet insurance and different levels of coverage and annual maximums and deductibles and so on and so forth. Tiny Bastard is a senior dog, so this was going to be expensive no matter what options we went with, so I chose a moderately priced plan with a $500 annual deductible, unlimited annual coverage, that pays 80% of the bills incurred annually below the maximum. What that means is that we pay the first $500 of care totally out of pocket, after which point we are reimbursed 80% of any vet bills for care covered by the plan.

The first year we had this plan I was kind of iffy about it. It's a noticeable monthly expense and we didn't even spend the deductible in vet bills the first year. Except that a month before the policy was set to renew, Tiny Bastard got diagnosed with diabetes. We now have monthly insulin costs and syringe costs; there are tests she has to have regularly to monitor her overall condition and we need to do more frequent vet visits to track symptoms.

Suddenly the insulin alone means that the insurance is break-even within six months and the additional visits and tests are something we can afford instead of something we'd have to put on credit.

Our plan (through ManyPets) covers medication, surgery, diagnostics, medical equipment, and euthanasia and cremation. It doesn't cover pre-existing conditions, joint conditions for dogs who were signed up over a certain age, dental care, spay/neuter, vaccinations, or prescription food but honestly all of that makes me just kind of wish we'd signed her up earlier - her knee problems *would* be covered if we'd had her signed up as a puppy, and the monthly cost would have been lower if we'd signed her up then. And there are at least a few emergency vet bills that I wouldn't still be paying off on my credit card. Hell, I've probably paid more in interest on some bruising she got in a fight three years ago than I have for this policy as a whole.

I am glad that Greer is able to take care of Belphie. I am glad that my sister was able to take care of her dog. But I'm also really, really glad that for a relatively low cost, I would be able to take care of Tiny Bastard if she were catastrophically injured, or if she needed emergency surgery. I'm glad that I'm able to take care of her now with her medications and her additional vet visits.

There are a lot of people who say that pet insurance isn't worth it, especially not for young animals. But if your young animal gets very sick, or gets badly injured, or eats a hairband and needs an emergency endoscopy, then it will probably be VERY worth it. It's a risk/reward question. You feel like you're wasting money if you're paying for a policy that you never use, but honestly that just means you're lucky to have a healthy pet.

I'm lucky that Tiny Bastard was relatively healthy before I got the insurance; I'm also lucky that she was insured when she was diagnosed with a chronic illness that will need lifelong care. This enables me to provide care for her that would otherwise be financially unmanageable, and that makes the insurance *extremely worth it* from my perspective.

And Belphie is a good example of why it's a good idea to get coverage even for very young pets. Greer is recommending it because this kitten has required a tremendous amount of care during a period in his life when it's generally taken for granted that a cat will be healthy. (And Greer is not stupid for forgoing pet insurance - pet insurance is still a relatively new concept and there are lots of people who are leery of it for a number of good reasons)

So I'd say that if you've got a pet or are getting a pet it is very worthwhile to find a pet insurance plan that fits in your budget. There are a variety of plans out there and some are very inexpensive. Check coverage levels (you can even get some with wellness plans that include dental care and vaccinations) and see if there's something that works for you.

I personally don't think I'm ever going to own another pet without having pet insurance. It's ridiculous how much easier it is for me to say yes to diagnostic tests or different treatments than it was before because I know I'm going to be able to fit Tiny Bastard's care into our budget.

[samfosho]

I hate to do this, but not asking for help is how I ended up with tens of thousands in medical debt to begin with and I'm getting desperate.

So, hi. I'm Sam. I'm a queer, autistic & ADHD living with mountains of medical debt that has accrued after working a decade at a job I believed in for just pennies, with nothing to show for it but burnout and depression. (Yes, I know there are charities that buy medical debt. I did not know about them before I took advice from An Adult That I Trusted and Thought Was Smart years ago now, who said just put it on a credit card. I have learned and suffered for that mistake)

Fortunately, I've got a good job now. Unfortunately, that doesn't solve all my problems overnight. Currently, I have about $36 to my name, which isn't even mine if you think about it (see: debt), and I don't get paid for a week. I'm working on the Big Shit, but there are two things I really need help with:

Immediate: I have a car payment coming out today for $156 that I can't cover

Less Immediate, but still looming: I NEED to have my wisdom teeth out. I've put them off for a long time, and I'm currently dealing with a lot of pain as I wait for the appointment next month. Insurance came back with them covering half, but that still leaves $1400 out of pocket.

I thought I had everything budgeted a little better this month, and all I had to worry about was the upcoming wisdom teeth appointment. I had a small car issue (tires needed replaced) and I forgot my rent went up this month and not next.

This is a huge ask, and I know we're all struggling, so I'm not asking for that full amount.

That dental appointment is the soonest I can get in, at the least expensive office that takes my insurance, so moving to a different doc isn't an option. They DO offer payment plans, however they only offer 6 months, and the full amount is too much of a monthly payment for me to make and still pay rent/make car payments/feed my cats.

If I can make that first payment on the day as big as I can, and cut the monthly payments, that would be an immense relief.

SO, my goal is $600, if at all possible, in the long run, so I don't lose everything

But my immediate, PLEASE if you can, so I don't lose my car or miss rent or get hit with overdraft fees that will just hit me even harder goal is:

$200

This would get my car payment and a little extra to get as many cheap, non perishable groceries as I can so I don't have to worry about what I'll eating the next few months.

If possible, literally anything is a huge help and amazing. If not possible, a little boost would be amazing.

If you would like to receive an actual, physical thing—like, say, a cussy piece of embroidery—you can go buy something from my Etsy store. Stock is limited, cuz I have been working enough that I haven't had time to make a lot of things or get new supplies, but I have some stupid mushroom earrings I can add to the shop, too, when I get a moment, and some stone jewelry that I made and have been meaning to sell for YEARS.

I also have a comic that I haven't updated in forever, because of the aforementioned busyness, burnout and stress. So I will draw you a little robot or something if you donate if you want

Here is a pic of my cats, they would also appreciate eating

Thanks for taking the time to read, I greatly appreciate that, too 💚

I put my links under the cut, so they're not just out there in case this post travels past my need of it

Venmo @ SamFoShoBro

cashapp $SamFoShoBro

Message for paypal. I have it, I just don't like using it.

[sophiaslittleblog]

Hay guys I’m still in credit card debt from having surgery this past September to have fibroids removed from my uterus. I used my card to pay off $3k in insurance fees. I’ve also been living off of my credit cards since I’m between jobs. At this point I just want to raise the minimum amount due on one of my cards. It’s in the amount of $80.00 and it’s due on 12/17/23. Funds can be sent to $SophiaChes,paypal-Sophiachester@hotmail.com and venmo Sophia-Chester-1. Thanks so much!

[vixendoe]

hi guys it's my birthday and i have $180 to my name right now, I'm waiting for a background check to come back for the job i'm trying to get (and even then they're only gonna give me like $12 an hour part time which isn't sustainable)

I need at least $400 before November 1st to renew my license, my plates and to get insurance for my car

I need $220 before November 10th to pay off my car payment for the month

I still owe $100 on my credit card, my phone bill for $50 is coming up, i owe the hospital $1600, and on top of all of that I still need money for gas and food

so.... commissions would really help me out at the moment!