#living beyond your means
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Why am I Not Able to Get Out of Debt, Even When I Am Making Money?
Debt can feel like a never-ending cycle, particularly frustrating when you’re employed and earning an income. If you find yourself unable to break free from the shackles of debt despite having a steady paycheck, it’s important to closely examine the reasons why this might be happening. Living Beyond Your Means The most common reason people struggle with debt is that they live beyond their…
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#debt repayment strategies#emergency fund importance#high-interest rates#income vs inflation#lifestyle inflation#living beyond your means#managing personal debt#minimum payment trap#psychological spending#strategic financial planning
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thinking yet again about Saiki‘s’s final choice in the series being “I’d rather live with my powers than die without them” bc that is seriously the single best ending of a disability narrative I’ve seen. Fuck.
#The thing people don’t tell u about being physically disabled#Is that you’ll see the physically abled people in your life start to view you as something tragic#And while they rarely say it when it comes down to things#They think you’re better dead than disabled. That you’d be happier put out of your misery.#Even with stories involving disabled characters (If we’re anything beyond a background diversity shot which is… rare)#It’s about “curing” or “overcoming” your disability which is I guess a nice sentiment but most of us won’t ever do that#Saiki doesn’t do either of those things#He wants to be cured and briefly thinks he is but then it’s discovered that he Cant be cured bc his powers are part of the whole of him#He doesn’t ever overcome them either#He just puts his glasses back on and decides that if it means he can live another day then he’ll continue to deal with them#And his powers are progressive#And that’s a thing weighing on him but it’s never treated like a death sentence#It’s just something he has to and will deal with#And it sucks but what else is he gonna do#It’s just. Aughhhhh. Aaaaaauuuuughhhhhhhhh……..#This post was brought to u by a man grieving his own mobility#physically disabled#physical disability#saiki k
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Lads, when Lisa finds out Betsy is responsible for Carla getting hurt in the robbery next week...
#There will be WAR#Because even though she's basically burned her bridges with Carla for her sake#She STILL goes off half c0cked#And then there's everything Carla says to her about letting her away with too much#Swain sweetheart this is what too much means#Short of actual death#Love when your kid thinks you're bad enough to commit murder on her behalf and then inadvertently ends up almost accomplishing it herself#There's not seeing beyond your nose and then there's Betsy Swain#Kid is like a coke bottle full of mentos#This might actually be what rips up the relationship#Ngl would hate to be living Lisa's life these days#Ouch#Can't even have a good thing for a few hours without something going t!ts up#And not in the fun way#Are the Rovers' liquor stocks safe? Unlikely#coronation street#lisa swain#carla connor#betsy swain#carla x lisa#swarla
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Planner/Recorder layout
not very necessary to make but will be efficient, adjust if needed
Can be done on applications like google docs though I'd advise reducing screen-time before it permanently damages our eyes. [reason I suggest this "planner" method: keeps the work over the time arranged systematically and every time we open the planner, what we're doing and the results will lay documented in front]
(There isn't a need of any "material resource" which some of us might assume we "don't have and so can't do it", I know because I've been there. If we desire, we can make even a single, daily-life resource to be tool for victory. Don't let anything of the sort stop you, make use of what you have. It's you who has to grow and not the pile of tools.)
pictorial representation at the end
VERY IMPORTANT: It's important one understands that the goal we're chasing is not to make our work "aesthetically beautiful", it is to help us record the practical efforts we put not the superficial ones.
ONE: Pick out a notebook or a diary of any type whether it be fresh or used (let's save resource) , which shall pose as a planner for the next two months. Again, the aim is not pseudo-gratification from beautifying this planner.
TWO: On the first page (of the notebook or from wherever you begin the record), draw a small-sized calendar for the months coming under this two month journey.
THREE: Break down your goal into months, then into weeks. Divide the two months into different phases, each represented by a week.
My planner has nine weeks over two months. You all can check out on your own planner 👍
FOUR: The page right after the calendar (leave the remaining space empty for now) should now contain columns with each week and the fragmented goals you must fulfill written under that along with the dates falling under the week.
FIVE: Enclose the portion with all dates falling under the week in a box. People preparing for entrances or even just studying can highlight one specific date falling on the same weekday every week as "full-week-revision-day".
SIX: On the page right after the one where all the weeks and their goals have been penned down, make a time table for your day.
Important: Do NOT do things of the sort where we're going into details like "6:00am to 6:05am - brushing teeth".
There is a way to make time tables: it's not an absolute replica of how your day is supposed to go like ideally but is meant to provide structure to the day.
[I'll put up a separate post on how to get that done properly because it's going to take up a portion of this post otherwise]
SEVEN: Under the time table, draw a line and put down the heading "WEEKLY PROGRESS" and leave the area blank for now.
EIGHT: The page starts with the heading "Week 1". Right underneath, put down all dates lying under the week and the work distribution for each one of the days.
Remember: We are all human beings not AI bots. These daily goals MUST be practically achievable. It can't be, say— I'm going to finish a whole damn textbook or even chapter from scratch in a day, or I'm going to jump directly to a hundred pushups from zero.
Be real to yourself and the world. Understand your capabilities and aid growth of self not diappointment.
NINE: One all daily goals of the week have been listed too, draw a centrally placed small line for a mild differentiation and then put down the date of the first day.
Whatever you will be planning to do on one day must be noted and planned before you sleep the previous day— a productive day begins a night before.
TEN: Record your mind in this space now. People who push their limits and work hard to attain certain goals also go through a "mental metamorphosis" and become stronger identities.
There will be several revelations along this journey so my personal opinion to it is whenever some heavy words— be it sad, hurtful, motivating, elating, or even those we feel about the world through the journey —happen to emerge in your mind, pen them down.
(Don't worry about anyone reading all this. As long as there is dedication in one's mind and results at the end, no one truly can question.)
I've just quickly drawn it over in Microsoft Paint but this is an overview in case something isn't clear above—
(in case you can, save the images and put white over all text then get it printed and use that instead of bothering to write it all down)
#two months of going beyond#tmgb#spilled thoughts#spilled ink#change your life#change the world#understanding#inner peace#introspection#life#lifestyle#life lessons#meaning#love#peace#self love#self realization#self care#inspiring quotes#quotes to live by#quoteoftheday#growing up#life quote#words#quotations#writers on tumblr#metamorphosis#growth#quotes#artists on tumblr
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Having to micromanage your entire physical battery day in and day out is so exhausting, especially when your ability fluctuates without rhyme or reason with every single day. I'm starting to have to reframe how I view and tackle my task lists because otherwise the grief and frustration becomes so much that I get nothing done. I'd love to complete the entire list today, but I'm gonna have to limit myself to ticking off two tasks just so I don't burn myself out to the point of being unable to do anything later...
#and even then thats no guarantee since i could feel super sick later without warning#OR maybe i feel superdupergood and can do them all no problem and THEN some#but then i also have to prepare for being bedridden after if i dont keep track of how much energy i burn#the event horizon of which ALSO changes daily lmfao#meanwhile people assume youre lucky or even privileged for this#as if being homebound for your safetys sake and spending most of the time being unable to really do anything#is anything worth envying. people assume youre resting when frankly youre just keeping your face above the water#i dont have a choice either. i gave up all my dreams and ambitions just for the sake of trying to survive for once#i WANT to have a life i WANT to have the power to be independent and not be at the mercy of others until the day i die#god sorry URGH its so hard to not feel sad and hopeless and almost bitter about this sometimes#its so hard not to feel alienated and embarrassed by the fact that you practically live in a different reality to people#people whose lives revolve around careers and working to the point where they cant comprehend you as a disabled individual#and what that means beyond the assumption that being chronically ill and overall impaired is a choice and moral failire#whether or not people are aware of that baseline assumption concretely#and i feel stupid and annoying for whining about this when i have so much to be grateful for#just. guhhhhhhhhh idfk. i SHOULD get started here but i can barely move out of bed#exhaustion is killing me i miss going on daily walks my house feels like a prison#i need to stop moping im already spiralling lmfao#trying not to close my eyes lest i pass out yet again despite having gotten more than 12 hours of sleep#cause apparently to my stupid body thats not enough to even stand up#silvi talks
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Some friends would persuade you to buy a lot of expensive materialistic things, but wouldn't dare to give you a single dime if you were to find yourself in a financial crisis. So be very careful my dear friends, and stay clear from people who push you to live beyond your means. They are definitely not in your life to favor your destiny.
#quotelr#quotes#literature#lit#being-in-a-financial-crisis#edmond-mbiaka#expensive-things#living-beyond-your-means#material-things#materialistic-things#to-live-beyond-your-means#your-destiny#your-life
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you ever just. become overwhelmed by a sudden out-of-nowhere wave of tenderness and affection and longing for reconnection directed towards someone to whom you no longer speak for Very Good Reasons
#‘out of nowhere’ she says like she hasn’t been doing a lot of reading/thinking recently about various tragic messy breakups#and the later regrets of the parties involved#anyway. tell me not to text her#it’s been over two years since the last time we talked… absolutely no reason to break that streak now. lord give me strength#she was really fucking mean to me! like objectively intentionally unwarrantedly cruel! it ruined an entire year of my life#and fundamentally changed me as a person on a deep level! there’s a lot of things i used to like about myself that i don’t think i’m ever#going to get back#and yet every once in a while we have to do the whole ‘maybe i could make things right’ song and dance 😔#the thing is most of the time i’m not even really angry with her anymore like enough time has passed since all the shit went down that#really i just sort of look at her behavior and feel sad. both because of the impact on me but also because of the ‘that’s really how you#felt you needed to act towards someone who cared about you? you couldn’t have just expressed your feelings in an honest and productive way#instead of just lashing out in the cruelest possible way and ruining the entire relationship beyond hope of repair?’#and i feel bad and sorry that it went that way and honestly i kind of pity her and hope she’s gotten some of her shit worked out#so i’m not like. actively pissed off at her anymore. but also i can’t think about her without thinking about the worst year of my life so 🙃#i don’t actually feel that trying to reopen that door would be very healthy for me at least#we did try a Reconciliation of sorts a couple of months after the initial falling-out and while it was kind of helpful for me in that she#like. apologized lmao. and affirmed that i wasn’t crazy and she did in fact On Purpose say the most hurtful things she possibly could have#said to me given the information she had at her disposal. and that i really had not done anything to her that could warrant that. etc.#it also left a sour enough taste in my mouth that i just don’t see a future where the two of us spending time together is enjoyable for me#and yet… the regret will always live inside me i think. maybe if i were a stronger person…#caseyposting
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Day 75: tfw you were a cocotama contractor in life somewhere in the world of Ultrakill
#daily cocotama#my art#Ultrakill#ultrakill virtue#this specific one isn’t that different from your usual virtue but this guy’s a new OC#her name is Hana and she was 10 years old when the extinction happened#she was finishing up her contract with her cocotama friend when poof#dead.#I am debating on wether or not she should die during the events of Ultrakill#by the hands of v1 no less#depriving her little cocotama friend to meet her from even beyond the grave#or just let her live#see Gabriel kill the council#and reluctantly ask him to bring her down there and meet her friend#since the extinction of humanity means that there are no humans to cheer up#and making humans happy is how cocotamas ascend to godhood- I mean angel hood#cocotama#original characters
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Nowadays to me Shaplin neo or gasterfied shaplin is kind of a “canon” (you know. My OC fancanon not actual deltarune canon) grey area because while the idea is cool and all i think her actual reaction to any of the genuinely fucked up stuff that messed up the secret bosses would be
#To me my deltarune oc stuff operates on the rule of comedy#Except when it doesn’t. Hope that helps!#Shaplin#Shaplinposting#I mean being a darkner means you have to live with fucked up stuff in the background radiation of your life in general#but yknow. Beyond that. The ACTUAL crazier stuff that messed up spamton and jevil
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the boys I teach have been so unpleasant to me this week but the boys I used to teach have been really sweet and tbh it helps so much.
#the ones I teach can’t help it fully#(I mean they CAN and I have to hold them to that)#but also like. puberty the mire of adolescence the pain of growing up the horror of being 15 or 16 years old etc#but it’s still so gross and draining to interact with all the time: to feel like I am making no headway#disheartening to the max#so to have former students show back up —show appreciation and gratitude#is sooooo healing#and they do it in funny ways#two of them just stopped by my room and talked about their lives and their grandma’s very old house she lives in or their job at Burger King#and then another one wrote ‘I miss your class’ on the board. and then another one was like ‘hey you should teach AP next year’#(I would never) and he was like ‘please’ and it helps so much#because they were often toads when I taught them!#but the goodwill remains past the point and beyond their moods#and I am so constructed by nature and temperament to forget that#I only ever feel as good as my current class/experience with a student#so I need the bolstering effects of my past work#lol
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wow so watcher just singlehandedly killed their channel
#i get wanting to ensure your company is profitable but moving everything onto a streaming service aint it chief#we are in a cost of living crisis and you want people to pay for another service?#when most are cancelling the ones they already have?#what are they thinking#‘we wanted to keep the price low enough to make it affordable for everyone’ whos everyone? i cant afford 60-72 dollars a year#and thats in usd#for me thats 93-112 bucks a year and thats not happening#how they didnt just start with a channel membership is beyond me#this was such a short sighted and out of touch idea#and theyve already started archiving their videos which makes the whole thing feel so disingenuous#and moving everything off youtube will mean theyll have no subscriber growth bc how are people supposed to discover them?#the comments on the video are so cordial everyone is saying this stuff by the hundreds#so heres hoping they roll it back#even their reasons for it being they cant do bigger production shows bc of their budget#people dont watch you for the production#i for one was a little put out when they started overproducing their shows it felt like they were trying to hard#its always been about their personalities#i just cant believe they didnt think this through#coming out of my cage and ive been doing just fine.txt#hey there demons it’s me ya boy#watcher#buzzfeed unsolved#shane madej#ryan bergara#steven lim#ghoul boys#ghost files
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Fnaf au where William figures out how to actually resurrect cc and then the aftons just have to live with that— not only is cc undead now but dad is freaking victor Frankenstein !! (like, literally, I imagine William discovered how to harvest remnant from recently deceased corpses rather then killing anyone himself, thus the mci doesn’t happen and Charlie doesn’t die either)
They just have to pretend this is normal and fine
#I imagine it’s especially awful for cc and Micheal I mean#think about how odd that is for cc#most of him are the original parts but many internal organs had to be replaced#the parts that become unusable quicker..#he looks the same on the outside but he knows the difference. he knows something is very different#furthermore he wouldn’t age normally#if he ever wanted to look older he’d have to add new parts.. new bones and skin#and I imagine that’s a disturbing prospect for him so he’d avoid it at all cost#trapped in an unageing body for presumably eternity#and then theirs Micheal#while the whole family grieved Michael’s grief was in tandem with guilt#he killed his brother- it’s his fault this happened#but then he just.. came back.. as if it didn’t happen? how is Micheal supposed to be ok with that#how can you ever reverse the death of someone in your mind when you’ve already lived the grief?#I wonder how this would effect Williams relationship with his family#Clara I’m sure would be upset with him for not telling her#like he was digging up corpses and experimenting with forces beyond human comprehension#and he didn’t think for even a second “maybe I should tell my wife??”#she’s worried she’s not getting the full story- that’s it’s worse then he’s telling her#and I think Williams relationship with his kids would change too#Elizabeth could go either way but maybe she’d side with him#she in her naivety would believe that it’s a good thing#cc is alive! isn’t that what matters? didn’t you miss him? aren’t you happy he’s back?#I’m gonna cap this here#I’ve been going on too long
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dont apologize for going insane im putting my rambles out there to also find insane people 🤝🤝🤝 but yeah i haven't played rebirth yet but seeing people complain on the basis of "it's not og" is ALWAYS crazy to me because it's SUPER clear, in both an in-universe and out-of-universe sense that it's like. Explicitly not OG. It's so explicitly about breaking the chains of og and that's super super interesting. remakeverse is like it's own beast and its very cool and it's also making me lose my mind because the "what if"'s are so beautiful but also [breaking down about the original timeline] THERE WAS SO MUCH LOVE THERE TOO AND IT DIDN'T CHANGE ANYTHING!!!! HEAD IN HANDS. anyway thats to say i agree with all of your thoughts thank u for the insane food
EXACTLYYYYY AAUUUGHHHH the mind-screw of it all..... the implications........
#og timeline doomed from the start.......#was the og aerith's prayer heard? did she pray for a second chance?#she wasn't expecting to die. unlike rebirth aerith who could definitely see it coming.......#maybe it was something else. maybe it was AC sephiroth who wanted a do-over. or maybe it was something higher. beyond our comprehension.#ON THAT NOTE allow me to go on a quick tangent#i can't stand players who are like 'lol u guys got ur hopes up!! aerith dies just like she did in the og all this multiverse shit is stupid!#when i think the way the scene is framed makes it EXCEEDINGLY CLEAR THAT SHE LIVES IN ONE TIMELINE.#heavenly rainbow light = new timeline. THE ENTIRE FINAL CHAPTER is dedicated to hammering the association into your head.#plus the whole point of zack's scenes is to clearly establish a relationship between new timelines and characters unexpectedly surviving.#i know sometimes the curtain is just blue so to speak. but the symbolism here is so blatantly obvious it pisses me off when it gets ignored#aerith unmistakeably lives in at least one timeline. cloud knows it for certain. what that means for part 3 will be fascinating.#OK i got that out of my system lol anyway!!!! let's be insane together 🌸✨#ffvii#ffvii rebirth#asks
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#mental health#mental illness#for whoever needs it#every day is a battle#but you are dauntless#strong beyond your means#live#live on#if only to spite#what made you sick#in the first place
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That different people can engage with the same piece of media and come out of it with wildly different interpretations is a testament to the evolutionary miracle that is the human brain. It is also very annoying.
#but i'm gonna mind my own business.#like the point of saw and luthen's characters TO ME isn't 'Both Sides Bad' it's 'revolution is ugly beyond belief and#if you make it out alive it won't be with clean hands EVEN IF your cause is just and the alternative (fascism) is unbearable.#i think the audience is meant to be disturbed by their accelerationist tactics we are meant to think about whether the ends really justify#the means we are meant to think about whether 'good' is something you believe or something you do or something in between.#we as the audience of a prequel series also have the benefit of near-omniscience bc WE know that while saw and luthen are poking the bear#and playing with human lives like they're chess pieces the empire is actively building a weapon capable of blowing up entire planets#and mass-murdering billions which they will later use without hesitation. saw and luthen DON'T know that which complicates things further.#collapsing all that nuance and reducing it to Both Sides Bad is. well. reductive. but like i said i'm gonna mind my own business (lying).#btw i say all of this as someone who studied real-life parallels of these kinds of things extensively in school and had to stop because#i was too much of a kumbaya pacifist and it quite literally drove me insane.#so if anybody came out of that show saying Both Sides Bad it should've been me. and yet. like idk man at the end of the day#there is a difference between a rebellion using violence to claw back an imperfect democracy and a brutally repressive empire.#sorry i promise i'll stop talking about this show someday but ummm that day is not today. apparently.
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Had a moment today that exemplifies how my family thinks but like, in a way that’s just very sad and makes me glad I don’t think that way.
Showed a relative the amazing painting that friend did for me, and her first response was “you’d be able to sell that for some good money!!!”
Like. No????
For months I’ve discussed this creative trade with this friend, we’ve talked about what the other wants, we’ve gotten excited about it and traded progress pics as we work on it for each other, gotten stoked over making plans to get to the post office and seeing the other finally get it, and it’s just been a very wholesome and very fun project. It took six weeks for us to complete these projects, and now I have something on display in my room that makes me very happy, that’s objectively beautiful, and that I know a friend put a lot of effort into making for me and was THRILLED when I adored it.
And my family’s immediate line of thinking is “make a few quid from it lol”.
I can’t imagine the headspace it must take to go through life like that.
#I mean same relative said something similar when I met Nikki Sixx#very long story short he was my idol growing up his music got me through a lot#got to meet him on MC’s ‘final tour’ in 2015#I was 18 I was so nervous but so thrilled#he was so insanely kind to my teenage self#listened intently when I explained how his music got me through a lot#and how I was setting out to become a writer even tho my fam disapproved#he encouraged me he gave me the pick he used to play that entire gig#he liked our pic together on IG and encouraged me and was INSANELY lovely on FB when I later posted a pic of my tattoo of his autograph#(and if u kno him u kno he gets prickly on social media to folk who deserve it so like)#just went completely above and beyond to encourage me and be so so SO kind#I excitedly tell this same relative about it all#I’m on cloud 9 bc my idol encouraged me to chase my dreams#this same relative got angry at me because I didn’t ask him for tickets to their final ever show in LA#like#this man just proved the saying of never meet your heroes entirely wrong#he repeatedly went out of his way to be kind to me#when all he really had to do was smile and pose for a photo and sign my shit#and she wanted me to then ask him to fly me out to a sold out gig for free#like he would have told me to fuck off and it would’ve ruined the entire thing#bc it’s just such a glaring display of ungratefulness and I’d never be weird enough to ask anyway#and she was LIVID with me insisting ‘you don’t get it you don’t ask!!!!!’#and this was ten years ago and this exchange today just showed me nothing has changed#like how can you just cheapen the value of things like this to make a few quid or to go to a free concert#I couldn’t live that way#and she consistently alienated people from her and can never work out why#it’s honestly just very sad
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