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#ok I’m so proud of myself bc this involves finance which is something I avoid at all costs but like I did it!!#my work failed to process my check which I should have received yesterday. I’m now expected to get it next week#and part of growing up poor is like. idk. this learned helplessness or defeatist attitude with money problems#like ohh it’s my bad I should’ve had more savings to cover waiting an extra week or longer for my monthly check#and historically I just shut down and panic while doing nothing bc this is my biggest possible stressor to come across#but!!! being around rich people? I’ve learned they negotiate!! and demand to not be inconvenienced!!#my work was like ehh I’m sorry too bad so sad about your check and I was like actually no#I explained how this impacts my ability to pay rent. my credit score. how they didn’t inform me in time to stop bill autopay#and asked what their detailed plan is to fix this#and within an hour admin was scrambling. four different people emailed me apologizing for the mix up#and they worked it out with finance to get me a $2000 loan to get me by until the check hits#but I was like actually no. I won’t be paying interest on this because I shouldn’t be penalized for your error#and so they GOT RID OF INTEREST#0% interest cash advance essentially that covers all my bills#I picked up the physical check for the 2k today so it’s legit thank god#I thanked everyone involved and remained extremely polite#and they said if there’s any other questions you have please let us know#so I was like actually you know what lmao#I explained that I’ve incurred fees for overdrafts and returned items due to bill autopay that I couldn’t cancel due to them informing me#basically the day of my check being late#and so I specifically said I’ve incurred $270 in fees at this point as a result of your error and I shouldn’t be expected to pay this.#and!! they just said… okay!!! I just got an email that they’ve processed a secondary check for $270!!#so like?!?! what?!?! is this what life is like when you don’t shy away from discussing money?!#im genuinely shocked. this is a life lesson. I never would have imagined this outcome#thank god I decided to not take it lying down
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probably a long shot but I'm desperate at this point- my account's overdrawn, I can't afford rent this month and now have major car repairs to pay (in the range of $2400-2600, waiting on the shop to confirm a full amount). it's undrivable until they fix the issues like oil leaks and a busted intake manifold, which are causing most of the cost.
recently got a full time job but until I get my car back, I'll be paying about $50 for rides to work and home every day, basically if anyone has even a few dollars to spare it'd really help right now.
can verify my expenses if needed.
https://cash.app/$deadnettle98
#could also start a gofundme if that's better#idk if anyone will even see this but idk what else to do; applied for some loans but bc my credit's gone down recently im sort of fucked#also behind on electric and insurance payments#going to work as much overtime as i can but just transporting there is gonna eat like 35% of my weekly checks#basically stressed as fuck rn anything would help#mutual aid#fundraiser
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At 15MFinance.us, we take pride in our journey of growth and the impact we've made on countless lives. Since our founding in 2016, we’ve consistently worked to expand access to quick and reliable loan solutions for consumers across the United States. Here's a look at some key milestones that define our progress:
2016 - The Beginning
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the more i think about living in that guy's house the weirder i feel about it and also he texted me at 11 pm last night asking how my search was going when i already told him i would let him know by the weekend 🤨 there was another place i was hopeful about but she just said she requires a credit check and being as i am an idiot and always have been i don't have a credit score. i think i might have maybe two more possibilities but if those don't work out i might have to move in with some guy who may or may not have been flirting with me and invest in some portable locks ☠️ yall pray for me
#i thought about making up a girlfriend to talk about but i am too bad at lying#also all the other options are at least $200 more..#i have to find whoever invented credit scores and kill them its such fucking bullshit. sorry i've never had a debt or loan#shes like i got burned by two roommates so i need the credit check. ok i don't really see what a credit score has to do with your bad#roommate experience......but whatever#i hate this lmao i'm so tired and stressed#me
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between my computer deciding to rebel, and work, and life, and I feel like I have a perpetual minor cold with that kinda slightly stuffy feel and that taste in the back of my throat,
I am kindly requesting someone to just Old Yeller me at this point
#the computer one is pissibg me off particularly because i Just built this shit two years ago#then i do a driver update a couple of weeks ago and start noticing that now if i game and watch a stream at the same time#some windows process starts choking the fucking life out of my CPU after a couple of hours#and after following a chain of looking shit up i get to ghe event viewer#and there's just a nonstop parade of errors for typically one or two things#at this point i drag my dad in because im out of my depth#i do some more shit. i update and reflash the bios. i check drivers 500 times. i reformat the drive and reinstall windows from scratch.#even if it seems okay for a bit it eventually starts shitting out errors again.#they are either about DeviceGuard or complaining about the network#i look up some more things! i find some references but they tell me to turn off or on some things that are already enabled or disabled.#we begin thinking theres something wrong with the network part of the motherboard#i have an adapter we grabbed from work to try when i get home.#if that doesnt work then i am buying a new motherboard cpu memory and cpu cooler#because if im going to have to fucking replace shit then i might as well upgrade#part of me wants to keep the old stuff and set up a new computer and try troubleshooting because puzzle. and i hate not knowing WHAT PART#SPECIFICALLY is fucked#bro i am so TIRED#i JUST did the math a few weeks ago and was like YES if i live on ramen for a few pay cycles i will pay off my credit card and start saving#to put toward my student loans when those start up again. and my computer went 'lol thats cute'#like i am deathly afraid that i will replace all this shit and it'll STILL have this issue#like. it's useable. i could live with it. but it's clearly not normal behavior and that's what bothers me. something is clearly wrong.#not to sound old but remember when shit just fuckin worked#like i sat there for 5 hours yesterday trying different shit. finally thought i had fixed something. go to bed. wake up.#STREAM OF ERRORS for the network thing again every few minutes while i was asleep.#what are you DOING. what is WRONG WITH YOU.#my dad is looking over my shoulder at the event viewer like 'that looks like a SQL statement but why is it failing etc etc'#EXCELLENT QUESTION AND I ONLY UNDERSTOOD THREE OF THOSE WORDS! why is my computer sick!!#no it's not a virus. i promise. i was raised better than that#it FEELS like something fundamentally broke. it feels like a hardware thing. but how. what fucking demons did microsoft summon#in a driver update. that went into my computer and physically broke my shit
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I not getting paid until monday. maybe tuesday
#i forgor that there was a holiday tomorrow so payroll won't be working.#i had an overdue charge on my student loans bc the autopay feature didn't apply to both of them even tho it's set up to pay proportionally#and i put lyft on my credit card bc it's cash back but i had multiple dr appointments so now my credit bill is $170. and the loans were $60#i have $70 left in checking (i have some in savings) until mon or tues and i need to buy groceries which has never once cost me that little#they run like $120-180 usually. i dont WANT to transfer savings i did that like a week ago to pay down my credit card to $0#so that i could set it to autopay everything. going to destroy things going to froth and maim#oisín.txt#oisín.n#*$70 after the other expenses and i have money left in savings like i said. this is not dire i'm just tired
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small panicking
#mine#re: buying a house#my pre-approval was just renewed but my credit is worse than when they last checked so I'm worried they won't give me as big a loan anymore#and houses here are expensive so it's hard to find smth lower#just submitted my paystub so they can calculate if I can afford the loan I'm asking for#the only thing that's changed is my credit and I'm REALLY worried it's too low now#I'm trying not to freak out but if I have to spend another year with this family I'll cry
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#even tho i'm actually doing well financially i still check my account balance & credit card statements with great trepidation#it's just a mindset that i can't get out of and especially now with student loan payments resuming and a potential gut reno of my bathroom#things i need to do: find a contractor for my bathroom. things i am not doing bc the idea of spending that much money is paralyzing: that.#knowing the longer i leave it the worse the bill might be: there's no putting a price on this type of angst & anxiety
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Understanding the Distinctions: Military Lending Act vs. Servicemembers Civil Relief Act
Written by Delvin The Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA) are two important pieces of legislation designed to protect military service members and their families. While both acts aim to provide financial safeguards, they address different aspects of military life. In this blog post, we’ll explore the differences between the MLA and the SCRA to help military…
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European here but... whats a credit score?
you’re so lucky to not know this. basically it’s a record of how financially risky (or not risky) you are based on past loans, credit cards, hospital payments, etc. you need to have loans or credit cards to actually have a good score, but if you’re late on a payment or pay off too much at once it’ll go down. it’s used for basically everything that’s big financially: housing (can’t qualify for most decent apartments or mortgages with bad credit), school (student loans), etc.
#basically we’re in hell! <3 hope that helps#also my credit was ruined by my *** coercing me into signing for bad loans when i was 18#which is fairly common and makes financial abuse even more devastating to a lot of people (including me and my mom)#also a lot of times the institution checking your credit score makes you pay for the credit check so that’s fun/s#like my mom had to get a new car with a payment she can barely afford w tons of interest because of bad credit so it also makes you poorer#anon#answered#abuse tw
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rent is 38% of my monthly income :(
#78% of this current check :((#im so tired of being broke and still working almost full-time and being a student#i'm anticipating a pretty big refund from the school from tuition assistance#it's not free money like half of it is gov loans i'll eventually have to pay back#but i'm going to use this money to pay off my credit card which is a higher interest rate. so essentially just refinancing my debt#maybe a miracle will happen and loan forgiveness will happen at some point#i think i'm at about 20k in debt right now
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