#why personal loan
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Incorrect, the fact that Biden has dropped out and a candidate with history of supporting medicare for all and being more receptive to a ceasefire in the I/P conflict has made me go from "I cannot morally support the Democratic nominee" to "I am voting for the Democratic nominee despite the fact she isn't perfect in every respect." I'm really happy this played out. The Dems for the most part abandoned the old Obama platform and it feels like its possible an actual progressive agenda could come to pass in my lifetime.
Kamala 2024!
If you weren't going to vote Democratic in this election before Biden dropped out you're a dorkass loser who does not care about any of the issues you're yammering about here and also a fundamentally bad person, and I hope you get run over by a bus.
But you got one thing right in all of this gibberish, Kamala 2024.
#personal#answered#anonymous#i mean let's be clear here no president is gonna attempt to be progressive ever again within my lifetime#because joe biden tried to do like 25% of that and got ZERO fucking credit#he did so much on healthcare on reform on loans on so many social issues and for all his litany of failings on i/p#he has been distinctly harsher on netanyahu than a good chunk of dems and certainly the entire republican party#for the first time since i was four we are not involved in any wars as americans and that is thanks to joe biden#but the thing is that he gets no credit for any of it!#him pulling out of afghanistan caused his approvals to tank in a way that never recovered#and leftists gave him FUCK ALL for it#they gave him nothing they just continued whining that even tho he cancelled a bajillion in student loans#he didn't actually cancel a QUADRILLION dollars so both parties are the same and voting is the most arduous task known to man#no democrat who is running is going to forget that catering to leftist/progressive policies gets them zero leeway with those supporters#that it not only tanks numbers but you still get constant haranguing about it anyway#so they're not gonna do it#we are gonna get fuckall for at least a good fifty years#and anything we get will be utterly in SPITE of people like you anon it will happen in spite of everything you've done#mostly because of people like me and mine who understand that voting is the bare minimum#and that for the democratic process to work the way you want it to you need to participate and not pitch a fucking fit#like a four year old who was told they can't go to disney this weekend#like i know you ratfuckers are happy this played out because this is all a game to you and you don't actually care#but that's why i've got zero faith in you people and why i'm glad it's my kind of folks#actual die hard democrats who have always been hardliners for supporting democrats in every possible election#who are picking up the slack and donating to harris and supporting her agenda#which is the exact same as biden's because she's his vice president and they share they same platform#because that's what they were both running on! twice!#anyway fuck you please feel free to find a necktie and test how tall your doorframe is
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That era of my life predates my tumblr one, but I was a very big Leliana fan back in the day. I actually got into a debate in one of my Queer Studies courses back in college because someone brought her up as an example of Bad Queer Rep because she was “crazy”. I nearly started hurling chairs
#I remember this trans guy who sat in front of me turning around and going ‘Whoa you are REALLY serious about this character 🤣’#honestly everything about that moment was just about The Most Dragon Age experience you could have#getting into public arguments in real life about the characters.#the fact that it was an LGBT *Literature* class so idek why the person brought up Dragon Age to begin with#the way that whole class in general was like every stereotype conservatives have about Colleges Teaching Woke-#-and students taking out loans they never intend to repay so they can sit and engage in twitter discourse irl#ANYWAY I’ve been thinking about all this because Shadowed Heart reminds me of Leliana lol. making me wanna replay DAO yet again
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Man, I hate living in debt.
#1k a month alone in debts to pay off#student loans being the worst brunt#literally the entire reason why i cannot move out and likely won't be able to for God knows how long#how many times do i address this depressing cycle? too many#i just want my own space my own life#that's it#personal
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I keep getting rejected from conventions that I've been doing for multiple years this year and I heard on Friday that I didn't get Scotland Comic Con, which I've relied on for the last two years to be able to pay my fucking rent over the winter when there's no events, and it makes me want to scream because what the fuck am I supposed to do about it?? I'm making new stuff reasonably regularly, I make really good sales when I get into cons, I go out of my way to be reliable and show up on time and do everything they want exhibitors to do, and it's just flat rejection after flat rejection, sometimes without even the courtesy of a spot on a waiting list or a cursory 'sorry, we got a lot of applicants and we've got limited space'.
I don't know what I'm doing wrong, I don't think I even am doing anything wrong, I'm just getting repeatedly fucked over by event organisers who just see me as a way of increasing their own ticket sales rather than a human being trying to make a living.
And, like, part of me gets that I've been doing this for a while and folks who are new to it deserve a chance to get a foot in the door, but my ability to be charitable runs out when the biggest convention in the country decides no, we don't have enough room in our fuck-off huge venue for everyone so bye, fuck you, that ~15% of your yearly income that you rely on making at this con is just going up in smoke.
I like doing conventions, I'm good at it and it's fun, but it's getting Really Fucking Stressful to have my ability to eat and pay bills decided increasingly arbitrarily by the same five events companies who don't seem to give the slightest shit about anyone.
And I don't know what to do about it because the reason I'm doing this is because I'm too fucking autistic to get a real job, and I got kicked to the kerb by the benefits lot a few years ago because that system's fucking broken too, and the more effort I put in the less work I seem to actually get and frankly I want to fucking break something
#not having a very good time right now folks#not getting into cons is just a fact of doing this job#but this one has really fucked me over#i don't know why i didn't get it because they don't tell you these things#there's no waiting list no nothing#two years i've done this con. three if you count 2019 as well#it's the biggest one in scotland it's 15 minutes from my flat#i can't afford to get to england so i Need this one to make a living#but fuck me apparently#i am Enormously screwed and i'm still too freaked out to work out what i'm going to do about it#and to cap it all off i had car and computer repairs to deal with this past week#and i don't have another con until the end of august#so i'm going to have to wipe out my pitiful savings just to make rent and bills until then#i could just about have survived if i knew i had that reliable income in october#but now i don't and i have no idea how i'm going to make it through the winter quiet season#AND i'm helping my flatmate out with food costs until her student loans start back up again#which i'm going to have to stop doing because i can't afford it anymore#so this fucks over both of us in the short term#i'm going to find a way to manage but i just. i need to scream for about a week first#personal stuff
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I'm so fucking broke. I'm on my honeymoon and I can't even buy my beloved a fucking cup of coffee or my mother a postcard. I fucking hate myself.
#into the void#i don't know what to fucking do anymore#i have applied to so many jobs and just....nothing#i just feel so useless#i wish i could afford to go back to school but i just defaulted on a school loan and i can't access my university transcript im fucked#i cant get a credit card or a loan or pay my own fucking bills#im such a pathetic burden and a dead wait#why did they marry me im feel like nothing i can ever do will make up for how much of a financial weight i am#i cant do anything right#because they do nothing but show me love and support and that im not a burden but i know it's hard for them#i know they're feeling the weight and feeling tired#i feel like ive scrambled to gain my footing for my whole life and ive never found it#personal#magpie chitters
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for every "how dare you plan to spend money out of your entertainment budget while i, a complete stranger to you, am still poor" post i see i am buying another $3 worth of crabs
#look. i get that people in bad financial situations are tetchy#which is why i talked myself out of reblogging several stupid posts#but this is just the 'how dare poor people buy starbucks' argument except coming from other poor people#if you wouldn't begrudge a fellow poor person their sugary coffee just because you yourself don't have a coffee budget this week#then shut the fuck up about people wanting to give up a week's coffee to maybe help a website they enjoy#'if everybody donated to my kofi instead of to tumblr then i wouldn't be poor anymore'#yeah probably but also no one knows who you are and you're not specialer than any of the other poor ppl who enjoy this site#meanwhile we ALL know what tumblr is. because we live here#it's like 'why did they donate to save the savings & loan instead of to the individuals in the town who had loans out'#also. why does everyone think that solving the moderation problem is free!!!#that shit is very hard work! it's not a solved problem algorthmically at all#this site has 200 employees and 21 million posts a DAY#crab day#tumblr meta#dove.txt
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God my mom is so bad with money
#was looking at her list of credit card payments/totals and girl.#even if i gave her all my emergency savings it wouldnt be a dent#anyway money stresses me out and this is why i dont do anything ever#personal#and none of this is considering our student loan debt which we both are just like#well that's never getting paid off so who cares
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agreeing with the general sentiment of a post but thinking the way it's written is misleading
like any post that's like "dems had 4 years to do X" and i'm gonna ask what actions would you have had them do.
executive action? i agree they should have tried. and it is absolutely a failure. There is a chance the supreme court would undo it like they undid the student loan forgiveness. Or Trump could undo it with his own executive action once he's sworn in. But they still could have tried. And any good actions that help people during the course of bidens term would have been a net good.
legislative? then democrats only had 2 years because republicans won a majority in the house in 2022. i don't know if you remember the constant chaos like republicans being unable to elect a speaker.
and in those 2 years. you had a very narrow majority in the senate. so anything that wasn't a budget reconciliation was subject to the filibuster and blocked.
there were a lot a LOT of people both within the democratic party establishment and without who wanted to end the filibuster.
but Joe Manchin and Kyrsten Sinema were against it. And voted with the republicans to preserve the filibuster when they tried to alter it in order to pass voting rights legislation in January of 2022.
There is a lot I'm angry at establishment democrats with. I'm also particularly angry with Biden. But it is also frustrating to watch people who either weren't paying attention or forgot say things that doesn't reflect the political system we are currently saddled with.
#idk who this post is for#but if i see one more person say 'biden should have kept his promise on student loans'#or something else that has a simple answer why it didn't happen#i'm gonna scream
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I FINALLY QUALIFY FOR PUBLIC SERVICE LOAN FORGIVENESS
My initial student loan was $54,935.92.
I paid over $30,887.83*
My loan is currently at $51,756.93.
I thought I had made all 120 qualifying payments last year. I had to submit and resubmit the PSLF application multiple times, because it kept getting sent back because of problems with how my employers signed the form. It turned out some of the payments didn't qualify, so I had to stick with helljob for at least another year.
I definitely had made 120 qualifying payments this year, so I sent the application in December 2023.
Just got notified now that I have made all qualifying payments. I've made three extra payments, even.
"After we receive the approval, it may take up to 90 business days to process this information."
Three more months of helljob, because I still don't trust this is going to go through and I don't want to quit until I know my loans are gone. I do not have anything lined up after helljob, and I'm terrified of losing my helljob health insurance because I got medical complications. But I hate helljob. I hate helljob so much and my first emotion waking every workday is despair.
At least the loan payments have been paused until the reimbursement is processed. Theoretically I should get reimbursed for the extra payments, too.
* This was only my qualifying payments. The total amount I paid was higher. The website isn't showing me the non-qualifying payments and I have to submit a formal request to get my full payment history. I submitted the request, but it will take a few days to be sent to me.
#This has been a nightmare btw#why yes higher education in the US is a huge scam and utterly inaccessible to most people rn#This wasn't even all of my loans I also got a private loan that I paid off years ago with help from family#I'm one of the LUCKY ones and this ruined my life#student loans#us higher education#what really makes me want to strangle my past self is that I only took these loans because I wanted to be a doctor#like I actually had my bachelor's degree paid off. I didn't need to do this to myself.#But I wanted to be a doctor so I gambled my entire future without realizing I was even gambling let alone that the game was rigged#and I lost it all. Didn't even make med school.#Every single adult I asked for advice on higher education or loans told me 'you're smart and you'll figure it out don't worry'#I've always been a gullible sucker#personal stuff#pslf#public service loan forgiveness
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growing up you always hear “never buy a new car it’s a scam” but nobody ever prepares you for the “10 year old used car with 45k miles on it costs $16k”
#like. at this point. why not just get a brand new car. since i’m gonna have to take out a >$10k loan to buy a car anyways#nahh my budget is a hard $20k or less and i can’t get a new car for that lol#personal
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I’m really frustrated my card got locked on Friday - I’ve been going through donating $5 to roughly 12-14 campaigns for weeks now but this week it gets flagged as potential fraud? Not only that the company is closed on the weekends so I have to wait until Monday to unlock my card (if I was still living alone and had to buy my own groceries/pay for gas I would be in trouble).
#ra speaks#personal#me: *living at home again* okay my cost of living has decreased by $50-$75 bucks a week let’s donate it all every week -#the credit card company who I’ve never once wronged: FUCK YOU STOP SPENDING YOUR OWN MONEY LIKE THAT ITS SCARING THE FRAUD SYSTEM#last time my card got locked (sending money to a group doing a bus ride to dc for Palestine protesting) I didn’t get a notification/case no#and I remember that being a problem so then this time I call and the 1800 person asks for my case no. and it’s like.#¯\ _(ツ)_/¯ fuck me I guess#I’ll ask abt it when I call the local office on monday cause like I think they could unlock my card if I had the damn case no.#but I’ve literally never been contacted. which is weird bc they 100% have my phone/email on file#like I get emails abt my loans through them and when I make a payment and shit. why not emails abt locked card? who knows
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idk if this problematic in some way but i keep hope for a free palestine alive by being mad
#the people i put in power are denying w genocide snd smiling at me the whole time#the supreme court is going to take on a case abt whther the unhoused deserve blankets and pillows#medicine and food get more and more expensive and the rich continue to get richer#the commander in chief that I VOTED FOR bypassed congress#—not for student loans‚ or to stop building the wall (WHY are we still fucking building it!)#but to fund millions to israel. to kill innocent men women and children.#and i'm 21 and im wondering if the world has always been like this or if i'm just opening my eyes and growing up#so many things i've been taught by the US that i have to question#along with being angry a lot of my hope has been in ordinary people#from those blocking freeeways and airports and boats to the person who's been writing free palestine on my uni's white boards#in any case this is just a really long rant. i don't think any of us will be the same.#as always#free palestine
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i love wanting to detail everything but also knowing nothign abotu what businesses and ppl working there Actually do like ah yes heres my cog oc they work here uhm they do uhm
They Do Some Kind Of Paperwork...!!!!
#this is about ridge#shes not a mgr who i can think of fun quirks for shes a regular ass loan shark.exe#well regular - she is generally just in a more higher position but its funny#uhm yeah ... ! my characters do uhm .... Stuff At This Company :]#bc like unlike half of them she doesnt like fuck around she like mostly does paper shit and like checks up on how everyone below her is sor#sorta doin yknow :sob:#my brain isnt braining today sorry#shes gonna be hard to develop because ill be honest fellas i just made her to be a fun design i didnt have much of a story or anything in#mind honestly. like at All#crowleys a bit similar but he has ideas and a lot of potential i just have to open the doors for myself and i can figure out interesting#things for him#especially if ill be expanding the world#thats why im doing it i want it to be easier for Me Personally to give my ocs stories#or at least like.. why theyre in the company what they do how they are#yknow?#its not like dpau where im making some genuine grandiose story with meanings and things i wanna bring to the table#im just making silly guys here man#rambles#anyways ygeah im doodling her rn
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I’ll say it once: I think Israel needs to fuck off, Palestine should be free, America needs to stop sticking its dick where it doesn’t belong
#but I sure as fuck am not going to put face value stock in any of the political posts about it here#SIMPLY because it’s tumblr and sometimes people are very passionate in their stances#personal txt#which is why I have barely reblogged any of the Palestine stuff#bc I have not the time to do my own research and formulate my own knowledge about it#I think it’s terrible I think it’s unnecessary I think America shouldn’t be sticking it’s Money Dick where it shouldn’t belong#but I also have student loans to pay back crippling debt and a massive lesbian crush on my cute bi coworker so#so you know… in the realm of what I can and cannot control#I’m going to worry and care for Priority 1 (which is always me)#anyone would like to start some shit in my inbox by all means it’s been a long time since I’ve had the Displeasure of being a Bitch online#I don’t have to justify anything to people on here but I thought it should be said
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Begging these folks who like/rb posts from me without prior interaction who have blank bios and/or untitled/default blog titles to please update their bios/blog titles so that my first instinct isn't to report as bot and block
#tekisuto#if i can't see selfies or other ways to tell a real person apart from a bot i will block lol#[also random aside but i have been now on two calls dealing with automated phone systems--#one for a physical appt & one on having to pay back loans despite getting a refund thru Biden's inept/easily-overturned cancellation plan--#and both are taking absurdly long to connect me to someone... why?#the doe's phone line not taking you to an associate until you specify your very specific situation their auto system isn't prepped for 🙄#for the physical it's also dealing with the facility i'd gone to having rebranded since my last time there but]#[also cancel all student loans]
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most of the time i wish i wasn't labeled as the "gifted kid" since i was a kid... maybe i wouldn't need to try so hard to prove myself
#rambling tag#like i get it#i dont need to care so much about what people think of me#the point is not that#is this education system#this learning environment#they would say your grade doesn't matter#but they give out scholarship based on that#they determine whether you should get your student loan based on your grade#and you have to work with people#i know im not an easy person to get along with#but gawd these people really are testing my patience#i mean im not asking you to be like smart#i know your level#but can you please be a little more responsible and put some effort in working together#instead of just depending on the so called 'smart students'#im not a machine for your to exploit#you need to do your part#why did i choose this path again i keep asking myself why the fuck i chose to go back to school
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