#that's what bank loans are for

[cathuniverse]

https://gofund.me/8eb9ca29

I'm in a tight spot for the next couple of weeks. Anything you can do to help even just a boost and a share that would be swell.

[realasslesbian]

I just had to share this email I got so all y'all can appreciate the absolute state of welfare services in Australia with me:

The NILs Loan Scheme is a government funded, no interest loan scheme for people on low incomes, but this leaves me wondering exactly who tf can qualify for their loans. Because it seems like if you have any symptoms of poverty it's a no.

I applied because I need the clutch replaced in my van, which I live in. It's lucky that I actually CAN afford the cost myself (due to living in a van & not participating in Australia's increasingly ridiculous housing market). I thankfully can afford such an expense these days & was just looking for a responsible financial buffer, just in case. But if this had happened to me a few years ago when I first became homeless and was far less financially stable, then my next living situation wouldn't be "affordable housing" it would be a fucking tent.

Anyway, the backwards ass state of a GOVERNMENT FUNDED welfare scheme refusing to assist those who need welfare the most because they don't want to encourage homelessness or whatever the dumb fuck? Just really rustled my jimmies tbh. Just screams "yet another govt welfare scheme that's actually just about handing out money to fake charities & not helping the poor". Good Shephard just got on the "do not donate to these grifters" list along with the Salvos😒

[cosmogyros]

Literally can't pay my rent until I get paid for September, which hasn't happened yet. Today is Friday, and Monday is the last day of the month. I'm so tired of being poor.

[erasedcitizen2]

trying to buy 50% of my boyfriend's apartment (which we currently live in and he owns 100% right now)... and I'm applying for loans for buying an apartment for the first time and holy fuck it's frustrating. several banks have auto denied my application without even speaking to me because they think i'm a single person with a single income trying to buy an apartment, when that's not even the case. and even if it was it's making me incredibly sad to realize that if I WAS single I could not even at the age of 30 buy a single room apartment on my own. even tho i have the money saved up for a deposit and according to my own calculations i would have the ability to make payments on the loan even if i was alone (i don't have a very high salary but i also don't spend much money so i do fine). but based on numbers alone the banks would deny my application without even talking to me.

[gothamcityneedsme]

my dad emailed me b/c my parents are actually going to help with some loan repayment...they've approved of helping me entirely pay off the highest interest loan i have, which will be AMAZING

[pollyna]

Y'know what fuck it icemav having a mansion as house. Let them have these two stories with three bedrooms because one is for them, one is because they have to fake it until the repeal of the DADT (but it's mostly used as home office) and one for baby Bradley. A cozy place they call their own, and that makes them not afraid to be around each other or to be a family because they had such a shitty childhood that they now deserve everything they want, and that's that. A patio and a garden for every single time they try to grow something, where they fail but it's okay because mistakes aren't the end of the world, and they can learn how to fix them together. And a garage that gets bigger after five years of them living there because their neighbours don't need a piece of their share property, and so they buy it, and Mav goes a little crazy because all that space is his now. A house cat that gives everybody a heart attack for day and walking distance from most places where they can go walking that, at some point, Mav has to dust is bike.

[fenrishion]

4pm thoughts

i don't understand the older generation's propensity to blame the younger generation for not being able to save enough due to rising prices.

"just spend less!!!" as if there aren't studies and charts that already show that income vs. the rising price of food/necessities has become so dispropotionate over the past decade or so

they complain about how the younger generation eats outside all the time instead of cooking at home. but how do you cook at home when all you can afford to rent is a room, or the house you rent doesn't allow cooking?

or if you're only eating outside once a month and cook at home the rest of the time they say "stop eating outside food". like if you cut down your outside food budget by RM60(USD15) a month, you can miraculously afford a down payment on a house.

and even if you can afford a house, the prices are astronomical nowadays--- you'd probably have to take out a 20-year loan to do so, vs in the past when houses were so much cheaper.

maybe all these problems seem very nonconsequential to most of the older generation/people in charge, since they're usually part of the high income bracket people, but tbh most of the population in the country(especially the younger ones) are probably only a few paychecks away from going homeless.

like!!! my dudes!!! why are you siding with the corporations when they don't even have your backs and are one of the main causes of all this as well...?

are people not allowed to treat themselves once every now and then with? if not, what's the point of working in the first place?!

[vampiricsheep]

In a bit of a rough spot right now (woke up to an email about the test results for our cat and he's got kidney issues that need further expensive testing + dog is on new pricey meds) so if I'm distant or more awkward than usual that's why ✌️no harm or insult meant to anyone

[k00ldino]

slamming my head against a brick wall WHYYYY WON’T IT LET ME FILL OUT THE FAFSA WHY WHY WHY WHY

[kiddokori]

customer service is half reveling in the joy of humanity and the small connections we make every day with those around us and half holding myself back from calling people idiots to their faces

[mybiasisexo]

rents due and I’m $400 short

[goldenpinof]

I'm also not from the UK but I've never heard of anyone who has bought a home cash because there are very few upsides to doing that. It sounds like it's a bit of a cultural thing? Most people where I'm from will have a mortgage + savings with the bank because that is the most stable and safe way to handle your money, but if your country has a history of that not being safe and stable I understand your point a little bit better.

oh, yeah, my country has history with banks and money. aka, any "interest-bearing deposit" won't guarantee you any income. the % is so small and the inflation is so high that we're losing money anyway. add getting a loan with the rate of 15% (which is not fixed now) for 20+ years and you will lose any purpose of life here. i'm glad UK is having it better despite brexit and war in Ukraine.

[weaseltotheface]

ugh i have to start paying my student loans again in September

[hehosts-moved]

ren becomes goro's face collector

[we-re-always-alright]

any time I see people tying minor world events to economics I’m like. that’s not how economics works. I know you want it to be how it works so you can blame someone. but that’s not how it works in any country or global economy.

[communist-hatsunemiku]

my loan got approved, its kinda wild tbh you can just go to your bank and be like "money me" and after you jump through hoops like a dog they give you money.