#paying off debts
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Understanding Velocity Banking: A Potentially Powerful Tool To Pay-off Debts
In a world where financial literacy is more crucial than ever, innovative strategies are emerging to help people take control of their finances. One such strategy that has gained popularity is velocity banking. But what exactly is velocity banking, and how can it benefit you? Let’s dive into this lesser-known financial concept. What is Velocity Banking? Velocity banking is a financial strategy…
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#becoming debt-free#money#paying off debts#personal finances#personal finances canada#Velocity banking#velocity banking canada#velocity banking explained
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the thing about art is that it was always supposed to be about us, about the human-ness of us, the impossible and beautiful reality that we (for centuries) have stood still, transfixed by music. that we can close our eyes and cry about the same book passage; the events of which aren't real and never happened. theatre in shakespeare's time was as real as it is now; we all laugh at the same cue (pursued by bear), separated hundreds of years apart.
three years ago my housemates were jamming outdoors, just messing around with their instruments, mostly just making noise. our neighbors - shy, cautious, a little sheepish - sat down and started playing. i don't really know how it happened; i was somehow in charge of dancing, barefoot and laughing - but i looked up, and our yard was full of people. kids stacked on the shoulders of parents. old couples holding hands. someone had brought sidewalk chalk; our front walk became a riot of color. someone ran in with a flute and played the most astounding solo i've ever heard in my life, upright and wiggling, skipping as she did so. she only paused because the violin player was kicking his heels up and she was laughing too hard to continue.
two weeks ago my friend and i met in the basement of her apartment complex so she could work out a piece of choreography. we have a language barrier - i'm not as good at ASL as i'd like to be (i'm still learning!) so we communicate mostly through the notes app and this strange secret language of dancers - we have the same movement vocabulary. the two of us cracking jokes at each other, giggling. there were kids in the basement too, who had been playing soccer until we took up the far corner of the room. one by one they made their slow way over like feral cats - they laid down, belly-flat against the floor, just watching. my friend and i were not in tutus - we were in slouchy shirts and leggings and socks. nothing fancy. but when i asked the kids would you like to dance too? they were immediately on their feet and spinning. i love when people dance with abandon, the wild and leggy fervor of childhood. i think it is gorgeous.
their adults showed up eventually, and a few of them said hey, let's not bother the nice ladies. but they weren't bothering us, they were just having fun - so. a few of the adults started dancing awkwardly along, and then most of the adults. someone brought down a better sound system. someone opened a watermelon and started handing out slices. it was 8 PM on a tuesday and nothing about that day was particularly special; we might as well party.
one time i hosted a free "paint along party" and about 20 adults worked quietly while i taught them how to paint nessie. one time i taught community dance classes and so many people showed up we had to move the whole thing outside. we used chairs and coatracks to balance. one time i showed up to a random band playing in a random location, and the whole thing got packed so quickly we had to open every door and window in the place.
i don't think i can tell you how much people want to be making art and engaging with art. they want to, desperately. so many people would be stunning artists, but they are lied to and told from a very young age that art only matters if it is planned, purposeful, beautiful. that if you have an idea, you need to be able to express it perfectly. this is not true. you don't get only 1 chance to communicate. you can spend a lifetime trying to display exactly 1 thing you can never quite language. you can just express the "!!??!!!"-ing-ness of being alive; that is something none of us really have a full grasp on creating. and even when we can't make what we want - god, it feels fucking good to try. and even just enjoying other artists - art inherently rewards the act of participating.
i wasn't raised wealthy. whenever i make a post about art, someone inevitably says something along the lines of well some of us aren't that lucky. i am not lucky; i am dedicated. i have a chronic condition, my hands are constantly in pain. i am not neurotypical, nor was i raised safe. i worked 5-7 jobs while some of these memories happened. i chose art because it mattered to me more than anything on this fucking planet - i would work 80 hours a week just so i could afford to write in 3 of them.
and i am still telling you - if you are called to make art, you are called to the part of you that is human. you do not have to be good at it. you do not have to have enormous amounts of privilege. you can just... give yourself permission. you can just say i'm going to make something now and then - go out and make it. raquel it won't be good though that is okay, i don't make good things every time either. besides. who decides what good even is?
you weren't called to make something because you wanted it to be good, you were called to make something because it is a basic instinct. you were taught to judge its worth and over-value perfection. you are doing something impossible. a god's ability: from nothing springs creation.
a few months ago i found a piece of sidewalk chalk and started drawing. within an hour i had somehow collected a small classroom of young children. their adults often brought their own chalk. i looked up and about fifteen families had joined me from around the block. we drew scrangly unicorns and messed up flowers and one girl asked me to draw charizard. i am not good at drawing. i basically drew an orb with wings. you would have thought i drew her the mona lisa. she dragged her mother over and pointed and said look! look what she drew for me and, in the moment, i admit i flinched (sorry, i don't -). but the mother just grinned at me. he's beautiful. and then she sat down and started drawing.
someone took a picture of it. it was in the local newspaper. the summary underneath said joyful and spontaneous artwork from local artists springs up in public gallery. in the picture, a little girl covered in chalk dust has her head thrown back, delighted. laughing.
#writeblr#warm up#this is longer than i wanted i really considered removing that part about myself and what i went thru#but i think it really fucking bothers me that EVERY time i talk about being an artist#ppl assume i just like. had the skill and ability to drop everything and pay for grad school.#like sir i grew up poor. my house wasn't a safe space. i gave up a FREE RIDE TO LAW SCHOOL. for THIS. bc i chose it.#was it fucking hard? was i choosing the hard thing?? yes.#but we need to stop seeing artists as lazy layabouts that can ''afford'' to just ''sit around and create''#when MANY - if not MOST - of us are NOT like that. we have to work our fucking ASSES off. hard work. long and hard work#part of valuing artists is recognizing the amount we sacrifice to make our art. bc it doesn't just#like HAPPEN to us. also btw it rarely has anything to do with true talent.#speaking as someone with a chronic condition i hate when ppl are like u have it easy. like actively as i'm writing this my hands r#ACTIVELY hurting me. i haven't been posting bc my left hand was curled in a claw for the last week#this isn't fucking luck. after a certain point it's not even TALENT. it's dedication & sacrifice.#''u get to flounce around and do nothing with ur life'' is a narrative that is a direct result of capitalism#imagine if we said that about literally any other profession.#''oh so u give up 10 yrs of ur life to be a doctor? u sacrifice having a social life and u get SUPER in debt?#u need to work countless hours and it will often be thankless? well i wish i was that lucky''#we should be applying that logic to landlords ONLY#''oh ur mom and dad gave u the money to buy a house? and all u did was paint it white and rent it? huh.''
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Practicing some snowball debt paying off for some minor bills I want out of the way and, in the ideal world, they will be gone in like 3-4 months. Then we can start tackling our student debt since the government fucking sucks.
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Burning Rotten Bridges
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#poorly drawn mdzs#mdzs#mianmian#nie mingjue#jin guangyao#JGY is nothing but outwardly calm and carrying on his duties as the chair for the meeting#but in that small pause after Nie Mingjue commemorates Mianmian for leaving...you can feel the tension.#Because Nie Mingjue comes from a place of privilege. He's always been in a position where his legitimacy and political standing-#-were never challenged. He didn't have to fight for respect. He was born into this world respected.#For people like Mianmian and JGY who clawed their way up from the bottom...this is a huge deal.#Truth be told I have a lot of things to say about what it means and feels to be in a position where leaving is messy.#There are times where the situation is bad but to leave means that those years of your life will have been for nothing.#That all the other suffering incurred will be fruitless. So you just *keep going*. Because it *has* to be worth it.#Because going back to what you were before is even more terrifying than the hell you are boiling in.#My concrete example for this is post-grad academia.#Because that cohort will have spent over a decade pursuing a goal and leaving means...well...it means throwing away those years.#It means losing (likely nearly all) your connections. It means going into debt you'll never pay off.#It means putting up with some pretty heinous abuse from your supervisor because what are you suppose to do? Leave?#Leaving is for those with the privilege to have options.#And even if you do have options...#Ultimately we would rather love the pain we know than risk the unknown. Hoping it's worth it one day.#With that mindset established; never say JGY should have just left like Mianmian. He couldn't. This was what he dedicated his life to.#He never had the option. Even if it seemed like he did - no he did not. He never conceived this ending ever happening for himself.
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i truly understand the temptation of people who make merch when a funny doodle of theirs goes viral because if I could get money from that stupid anon reaction image people apparently still use I would easily do #sellout #greed
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inspired by @/mugentakeda's Jet + Iroh hostility doodles but I made it lesko (lesbian jetko) because. I can
#jetko#jet atla#allgremlinart#ok no more art for you guys for like a month. I have to finish these commissions so I can#pay off my student debt <- barely joking#yes their names r the same.. YES Iroh isnt genderswapped in this. its funnier.#hm.. Ba Sing Se lesbian Jet/Zuko/Jin love triangle... a race to see who can get this horrible girl to that fountain lantern place first..
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hey has anyone tried to buy a covid test lately. because i just had to buy one for a friend at my local walgreens and the cashier very seriously asked me if i was sure i wanted it because. a 2-pack of tests currently costs $23.99. do we not think that it's a little insane that the only reliable diagnostic tool for a very much ongoing pandemic costs over $20 for a single package. what if I didn't have that kind of money to burn??? Especially if you're already facing potentially losing at least a weeks worth of pay if you DO test positive and can't work. How many people are going to see that price point and decide they can't justify the expense??? literally insane. remember that brief moment of sanity this country had when we all got these for free
#genuinely the most upsetting moment ive had in recent memory. 'are you sure you want this. it's 23.99' about a COVID TEST#personal#also worth noting that i live on a college campus and my health center is SUPPOSED to provide these to us for free.#i had to go out and get this test for my friend because the health center would not return our calls.#both of us are in significant student debt due to the tuition we pay for this school. and now i have to buy a fucking $24 covid test#because the health center won't fucking pick up the phone.#i am so pissed off right now man i dont even know what to say
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Can I pay you to make Binghe and SQQ kiss for real in their normal bodies? (They deserve to escape the skin body horror verse for a minute.)
LMAO yes you can!
#mushyrt#asks#svsss#tw: body horror#as a broke college student#I’ll gladly take a good bribe#I gotta pay for those atrocious fees somehow 🤡#I’M KIDDINGNHFDHJ#I’M NOT IN DEBT#college fees are atrocious but I’ve paid them off so far 😭#but I also love the idea that you pay me for a regular Binqiu smooch#have to pay me*#I’ve been having too much fun giving skin creatures smooches
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Cider (og image under read more)
I had no idea what to do with this prompt so I gambled guys. 💪
#krilldraws#osc#objectober 2024#objectified comic#gum objectified#gum would NOT be the element of honesty guys...#AU where Gum instead of becoming an assassin(?) she works at Sweet Apple Acres to pay off her moms debt#she has to like idk reason w filthy rich and she learns friendship lessons alongside the mane 6#She meets her 7 evil exes along the way it would be the craziest wildest gayest mlp arc ever#OH maybe she could learn about honesty ..and like opening up from applejack or something#Applejack almost had an aneurysm from keeping one secret. she could fix gum
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The Payoff
#vintage#illustration#cool#weekend#friday#vintage illustration#summer#pay off debt#artist#artwork#art#cover art#cover
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I really need your support :,)
I know I'm a pain in the ass about this. But, please, if you can, please consider commissioning me. I have pay what you can/want commissions open too. If you need I can split the payment in up to 4 installments (or more if you need it) too. I also offer simple 2D animations. If you need a discount, we can talk about it, too. I'm open to draw pretty much anything. So, please, if you like me and/or my art, please consider commissioning me :')
I hate practically begging people to commission me, but I'm so close to paying off all of my debts, but even so the bills are super expensive and I'm scared of not being able to pay them all off this month. Commissions is all I can do (aside from sending free prints of your choice if you commission me and pay the full amount before the month ends if you fill out this form).
If you just want to support me, I accept ko-fi donations as well.
This is so important to me, guys 😭 I'm super thankful to all of you who always reblog my commission info!! I'll forever be thankful if you can commission me during this tough time I'm going through as well, and if there's anything other than art that I can do for you, talk to me and I'll do my best to make it happen if possible!
#i feel pathetic ngl#i'm SO CLOSE to paying it all off but jesus#why must living be so expensive#i know i'm still paying off the debts i made when I was out of it because of my poor mental health#but still
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It's really hard for me to ask this, but would anyone be able to help me financially get home from work and a doctor's appointment this week? I'm already taking the bus as often as I can, but there isn't one that runs by the time I get off work, and I won't be able to get home otherwise. My next paycheck is expected to drop on the 15th, and I currently only have $5.26 in my bank account. I would really, deeply appreciate any help I can get. Thank you.
cash app: $fattributes ko-fi: fattributes paypal: [email protected]
#text#I'm so sorry but I can't ask anyone in my family to help me out#we're all paying off medical debt and pinching pennies#when I started my second job I really thought this wouldn't be an issue anymore#I worded this poorly but I am too stressed out to write a second draft#I'm also so sorry that this is last minute#I was hoping things would be different
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Starting a new full-time job on Monday 🥳🍻
#it's a good org too!#doing it alongside my last semester of classes will be a pain#but starting the job before graduation means paying off my debt waaaay sooner
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{ MASTERPOST } Everything You Need to Know about How to Pay off Debt
Understanding debt:
Let’s End This Damaging Misconception About Credit Cards
Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”
Dafuq Is Interest? And How Does It Work for the Forces of Darkness?
Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market
How to Build Good Credit Without Going Into Debt
Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?
It’s More Expensive to Be Poor Than to Be Rich
Making Decisions Under Stress: The Siren Song of Chocolate Cake
How Mental Health Affects Your Finances
Paying off debt:
Kill Your Debt Faster with the Death by a Thousand Cuts Technique
Share My Horror: The World’s Worst Debt Visualization
The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche
The Debt-Killing Power of Rounding up Bills
A Dungeonmaster’s Guide to Defeating Debt
How to Pay Hospital Bills When You’re Flat Broke
Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?”
Slay Your Financial Vampires
Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?”
Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt
Student loan debt:
What We Talk About When We Talk About Student Loans
Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”
How to Pay for College without Selling Your Soul to the Devil
When (and How) to Try Refinancing or Consolidating Student Loans
Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?
Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?”
The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For
2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly
Our Final Word on Student Loan Forgiveness
Avoiding debt:
Ask Not How Much You Should Save, Ask How Much You Should Spend
How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag
Your Yearly Free Medical Care Checklist
Two-Ring Circus
Status Symbols Are Pointless and Dumb
Advice I Wish My Parents Gave Me When I Was 16
On Emergency Fund Remorse… and Bacon Emergencies
Should You Increase Your Salary or Decrease Your Spending?
Don’t Spend Money on Shit You Don’t Like, Fool
The Magically Frugal Power of Patience
The Only Advice You’ll Ever Need for a Cheap-Ass Wedding
The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It
3 Times I Was Damn Grateful for My Emergency Fund (and Side Income)
Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name
Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick
Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?
The Bitches vs. debt:
I Paid off My Student Loans Ahead of Schedule. Here’s How.
I Paid off My Student Loans. Now What?
Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt
The Real Story of How I Paid Off My Mortgage Early in 4 Years
Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending
That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????
#debt#mortgage#credit card debt#debt management#debt consolidation#pay off debt#student loans#student loan debt#loan#financial tips#money tips#personal finance
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The fact that "broke college student" is a stereotype in the US is indicative that there's a problem.
#not helpol#personal#I'm just feeling salty#it's incredibly challenging finding a job that doesnt demean you as a person entirely#when you don't have a college degree yet#so you sit there struggling through college trying to pay off thousands of dollars in debt#and there's virtuall nothing you can do but try your best#and frankly that stresses me out beyond belief
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You know YinWar had a hand in the script when things start getting way too real.
"My ultimate goal is to see everyone in the family live well. My parents won't need to work hard anymore. Dad can come back to Thailand. I'll take care of everyone [...]. I think I can do it". [x] [x] [x]
#see also vee's only pair of run-down shoes and a huge chunk of the dialogue in partner in crime#jack and joker#yin anan#ten minutes in and i was already crying#yin taking it upon himself to pay off his family's debt when he was barely an adult always gets me :((
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