I honestly cant tell you why im obsessed with this show. Because its really not my kind of thing but here we are. #devilmancrybaby #ryoasuka #satan #ryo #anime #sketch #blackandwhite #pencildrawing #pencilsketch #fanart #netflix
I think I left the teller at the bank genuinely disturbed when I told him that “If I can’t afford it, I just don’t buy it.” “What about a car? Do you drive a car?” he inquired, his voice toning on the edge of fear. I told him, “Yeah, I have a vehicle. I bought it used for under $3,000.” He looked physically pained. “What about if you want to buy some kind of new appliance? Or furniture?” he persisted. I stared at him blankly. “My couch was $5.00 at Goodwill. Like…I just buy shit cheap or I don’t buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and that’s split five ways because I have housemates.” The young man looked horrified? Appalled? And somehow also awed? This guy couldn’t have been much older than me. But it seemed that he’d never even considered the option before of saving up for something to purchase it outright instead of using a credit card. Am I the only person in my general age group (just turned 26) who’s never owned a credit card, and who has forgone basic comforts in order to save up for items so you don’t owe money to anyone, like, ever?
If you’re living in the US without a credit card at 26, you’re playing with danger.
No credit is viewed as the same as bad credit. Which means you could be denied if you ever do need to rent an apartment or a car. Hospitals and clinics are also less likely to allow payment plan programs for people without good credit.
The best thing you could do at this point is apply for a credit card you’re eligible for and pay a few things (I do gas and groceries myself) with it each month. As long as you keep it to zero balance each month there is no interest and there will be proof of you not having debt (instead of just the absence of debt).
what.
This is legit how it works. The system requires records on you, or else. So you need a credit card and worse, you need to have a record of using it, even if you pay it off every single month. Unfortunately, the formulas used to determine credit score are secret, so we also have people suggesting that your credit rating is helped if every so often you do pay a bit of interest. The whole thing is a complete mess. If you don’t have a credit rating/history, then any loans you manage to get will be at extremely high interest and will require much more effort than they really should.
what
yeaah let me just go get a card that i can’t pay off because capitalism is shit, even if i literally only buy a pack of gum that’d go well
If you pay it off in full every month there is no interest. Do what OP is doing but put some of that on your credit card and pay it off every month, and soon you will have a very good credit rating.
you skipped right the fuck over the “can’t pay it off” part huh
like credit cards are just not a viable thing if you’re poor and have shit income
And I’m saying to literally not put anything on it if you can’t buy it in cash. And I’m aware that they fuck over poor people, but yeah, that’s the system that’s in place. This is advice for navigating it, which is how to obtain good credit which helps a lot.
Right like don’t make minimum payments, put your gas on your credit card then that same day pay the credit card company online then don’t worry about it for another month. It’s an absolutely shit system, but in the event of an emergency it’s good to have.
I have had to explain this to a lot of people in my life, but it’s true- no credit is the same as bad credit. What having (and using) the card actually shows is that you are capable of (and actually follow through on) making regular payments: ie, it is proof of having a steady income (even if you do not actually have a steady income). It is showing you reliably can pay for things you purchase, which is what your credit score is all about.
Think of it this way. You have a credit card, which is your credit tracking device. You use the card to tell someone “I will pay for this thing with borrowed money.” They agree to allow you to pay with borrowed money. You then turn around to your credit card company and say “Thank you for allowing me to borrow your money, I will now pay you back with my own money.” (which, if you repay them promptly enough, you can repay them the exact same amount you borrowed, rather than paying them more than you borrowed [which is what interest is])
The credit card company then recognizes that you successfully borrowed their money AND returned it safely, and they pass that information along to credit tracking companies. Each time you do this, you gain credibility. If you do this enough times, you are considered a credible borrower of money, so that if you ever are in a situation where you need to borrow a large sum of money (for example, a mortgage or a car or a hospital bill or whatever), companies with money will look at how well you have returned money in the past, and say Ah yes, this person repays their debts well, so we can lend them our money this time.
So like, do what the above folks are recommending. Get a credit card and use to to reasonably purchase things you already have to buy- put a batch of groceries on the card. Go home (or wherever you can use the interne), pay it off as if you had paid cash in the store for it. There is no extra fee or interest for doing this, and you are leveling up your credibility in case of emergency later on in life.
Ok, here’s a guide for the easiest way to do this.
1. get your first baby credit card with the bank that you already bank with. If it has cashback rewards, even better (that’ll be free money later).
2. set that shit up so it pays the full amount, automatically, every month. you don’t have to remember to go home and pay it off, or worry about it at all. You won’t pay interest.
Your first card, especially if you have no credit, is going to have a small limit. Like $500. This is important: credit companies want you to use a certain percentage of the card every month. This is 1-9%. I usually just go straight 5%. If you use too much, you look like a wild card (even if you pay it off every month) and if you use nothing than you’re not proving to them you can be trusted.
So your first card has a $500 limit. 5% of 500 is $25.
Your goal is to use $25/month.
This is about a tank of gas for me. So once a month, I would fill up with this card, and then put it in the back of my wallet until next month. The payment was made automatically by my bank from one account (debit) to the other (credit). Rinse and repeat. I did this for a year.
Then after a year, my credit had skyrocketed (because I had nothing before, and added this good habit for a year). So I called up my bank and asked for them to increase my limit based on my new credit. I had shown them I was good at borrowing a good amount of money and paying it back on time every time.
The bank increased my limit to $5,500. Like holy shit, at the time I was definitely not expecting that.
So new math. 5% of 5500 is $225. So now instead of gas, I put my cell phone bill ($50), my car insurance ($130), and my dog food automatic order ($40) on it.
The best part is everything is automatic. I keep this card in the back of my wallet permanently; all these bills and the automatic payments are, well, automatic. My credit goes up, I rack up cash back rewards, there’s nothing to it.
And, if I ever get in an emergency, like a vet bill for one of my dogs, I can use that card to pay the $3,000 emergency bill without worrying about whether the place will take my dog if I have no money. I can then go home, change the settings from “pay in full every month” to “pay $X every month” (more than the minimum!) until it’s paid off, and then go back to just my bills. My credit might take a little dip during that time, but will bounce back pretty quickly.
There’s several other factors to credit (hit me up if you want more info) but this was literally the only measure I took for my first year, and my credit went from 525 to 700 in a year. Another year later, I’m now at 753, have a mortgage with a great rate, and can get a monster ass loan if I really need it in case an emergency or hard times fall.
It’s a shitty system of hoops to jump through, but knowing you can use these measures if it comes to it is a good feeling.
See the problem I have is I’m bipolar and I’m scared I’ll get into a cycle where I’m spending more than I can pay off, especially when my limit gets hired. Any suggestions?
The best solution Ive found through my disaster of my life is leaving the card buried among other(business, stamp, etc) cards at home where you will have to purposefully dig for it(giving you a chance to reevaluate). You can pull it out when you need it and set up a few small automatic payments on it as suggested.
Its not foolproof and still requires self control, but if your not used to using a credit card you dont really think about it too much in my experience.
hey if you identify as a woman and you don’t shave your legs everyday and let your stubble grow free and natural for long periods of time could you reblog or like this post, I’m trying to make a point here, cause apparently I’m a weirdo for not shaving for weeks or months at a time
This good boy is a chimera, which is an animal that is genetically two animals, in this case he’s a yellow and black lab. This means he is twice the good boy. (Not my picture, found on Facebook)
this is by far the least upsetting dog chimera I’ve ever seen
Reblogging for Good Dog Chimera
Reblog for protection from the Bad Dog Chimera™ (you know the one)
every time i listen to “you’re a mean one mr. grinch” i can’t help but sit there and think “what did the grinch do to hurt you?” because dude just stands there for 2 minutes and 58 seconds and drags the grinch into the dirt
he stole christmas, kayla! stop with your #notallgrinches propaganda!
you know what if someone told me i was a three-decker sauerkraut and toadstool sandwich with arsenic sauce i’d probably be bitter enough to steal christmas too
Interestingly, though The Grinch Who Stole Christmas is narrated by Boris Karloff, the big musical number is sung by the late Thurl Ravenscroft - an American voice actor better known as the voice of Tony the Tiger.
My headcanon is that the Grinch and Tony the Tiger had a bad breakup, and “You’re a Mean One, Mr. Grinch” is the resulting breakup song.
Did this really HAVE to be the first thing I see when I opened up Tumblr?
i’m mentally ill too but fucking listen to me here. you need to take responsibility for your actions regardless of whether or not they’re a product of your mental illness. you don’t get to manipulate, gaslight, take advantage of, or straight up abuse people because you’re mentally ill! you don’t! what the fuck! why are some of you still thinking it’s okay to say things like “manipulation is okay because i have _____ and need attention from my significant other” oh my god. Don’t fucking do that
Literally every guy Ive either seriously considered or dated for the past 5 years has treated me badly then blamed it on anxiety.
Guess what darling, I have anxiety too, you arent excused.
I think if you don’t spend at least four months out of the year battling the cold and ice and snow you lose your humanity and humility. that’s why californians are the way They Are
this reeks of jealousy.
do you see what I mean
Im pretty sure hating california is a past time in the midwest.
I’m so sick of purity culture I’m about to dive nose deep back into CLAMP fandom because even Cardcaptor Sakura is problematic AF and I need to be where the problematic party people are…
This is a Saiga antelope (Saiga tatarica), a species listed in CITES Appendix II and evaluated as critically endangered by the IUCN Red List. It lives in Asia (Kazakhstan, Mongolia, Russia, Turkmenistan, Uzbekistan).
