and i have a lot of debt

“The one I loved most was my last son. My other children were even jealous of our attachment. When he was very young, he would hang out the window and call to me as I left for the office. And when I arrived, I would find his toys in my briefcase. We remained close as he grew older. He was the one who always called me. He was always checking on me. He was always taking me to lunch. But then one day I went to the bank, and a lot of my money was missing. He had been stealing from me. He was falsifying my signature. When I confronted him, he begged on his knees for forgiveness. Then I started getting phone calls. He owed money to people who were threatening to kill him. I went into the slums to find the loan sharks and pay off his debts. I paid them all, with interest. I used to wear nice clothes. I used to have a nice apartment. Now I’m left with nothing but my pension. And my credit is ruined. I sold all my belongings and I’m hiding from him. When I go to sleep at night, I wonder how he is doing. I wonder if he is safe. But I can’t see him. Because if I see him, I will help him again.”

(Rio de Janeiro, Brazil)

Room For Dessert 01

Description: A boring company dinner gets a little bit spicy when you notice the tension between you and your table’s waiter.

Pairing: Jungkook x Reader

Genre: Smut (M)

Word Count: 8.1k

Index: 01, 02, 02.5

A/N: Filth. Straight filth. That’s what this is. Jungkook’s graduation photos pretty much ruined me, especially when I saw the one of him taking their order and just looking so good and UGH. This is the result. Sin. Filth. Porn put to words. Enjoy. Please try not to die. 

Keep reading

On Oak’s Forced Leave

Hi friends. I know we’re all super pissed about Oak being asked to leave Great Comet to make room for Mandy Patinkin (I am too. Like I was looking forward to seeing him for months, and now I can’t) but I’m seeing a lot of posts on here that include some info that is just wrong, and wanted to clarify them. So here.

1.) Oak being dismissed had nothing to do with race. Let me explain, because I know that it 100% looks like it does, but it really doesn’t. Oak, while having a lot of fans in the Broadway community, is a total unknown outside of it. Mandy Patinkin is famous in film, television, and theatre (I mean, he was Inigo Montoya). While they are replacing a black actor with a white actor, that’s immaterial. What they’re really doing is replacing someone who won’t sell tickets (at least, extra tickets) with a celebrity who will (at premium prices). Is that better? Not really. But it’s an important distinction that a lot of people haven’t been making. 

2.) He did not have “a week and a half” to sell tickets. I keep seeing this point, and it’s confused me greatly. Oak has been announced to take over Pierre since February. That was about five months ago. Any pre-sale that was going to happen would’ve already happened by now, and obviously same day sales weren’t good. They were expecting Oak to be a draw, but he wasn’t. Not Oak’s fault, but it’s just a fact. 

3.) They’re not blaming Oak for not selling tickets. A continuation of the second point, no one is putting the success of the show on Oak’s shoulders (if anything, they’re putting it on Ingrid’s). However, they found someone who could make the show more successful, and he happens to be taking over Oak’s role. This does not mean that Oak was unsatisfactory in any way, shape, or form, and no one is trying to imply that. 

4.) This is not the first time Great Comet has done this. Brittain Ashford was asked to go on vacation to make room for Ingrid Michaelson, for the exact same reason that Oak is ending his run early, and no one batted an eyelash. The only difference is that Brittain is coming back when Ingrid leaves, while most people in the business are pretty sure they have another celebrity lined up for Pierre, hence Mandy only performing for three weeks. 

5.) He’s still getting paid. Just like Brittain, Oak is going to be fully compensated for the time he’s off. That doesn’t make things better, but please don’t think they’re just throwing him out on the street or something.  

6.) What About Denée, Amber, Nick, Blaine, Azudi, Shoba, Paul, Summaya, Lulu, Andrew, Brandt, and Heath? If you’re wondering who those people are, they’re the other PoC in the cast of Great Comet, which has won multiple awards for its commitment to diversity this season. To further break those numbers down: four of them (Denée, Amber, Nick, and Paul) are in lead/supporting roles (out of a total of ten), one of which, Natasha, is the absolute archetype of “white Russian princess.” Not to mention that one of Natasha’s understudies, Shoba Narayan, is literally the only actress of Indian descent (that I know of) on Broadway right now. The Comet team has gone to great lengths to make their show as diverse as possible (they literally have their swings learn both “male” and “female” roles, and you can see same-sex couples at multiple points during the show, and it has a largely female creative team), and frankly it’s a little bit insulting to see people acting like Great Comet only casts PoC “when it’s convenient for them.” 

7.) It was not Dave Malloy, Mandy Patinkin, or Rachel Chavkin’s fault this happened. I’ve seen people attacking Dave and Rachel for allowing Oak to be replaced, and Mandy himself for replacing him. Not okay. If you want to blame anyone, blame the producers. Dave and Rachel have literally no say beyond: “Yeah. We’d love Mandy to be in it. Not sure when, though.” and Mandy just gave them the times he was free between shooting the next season of Homeland, and it happened to be the last three weeks of Oak’s run. 

8.) This is all about making money. Broadway shows aren’t cheap to run in general, but a show like Comet is an absolute beast. 30+ cast members, a huge band, a giant crew, etc. Their weekly running costs are probably somewhere in the range of 700k-800k a week. Since Josh left, they’ve been making ~900k a week, which is fine, if they want to be in debt for the next ten years. Comet had a huge amount of money put into it, and the people running it are definitely feeling pressure from investors to pay it back. This means they have to stick a celeb in every once in a while. 

9.) I still don’t think it’s okay. This all being said, I think it was an absolutely shitty move on the producers’ part (they could’ve handled it a lot better) and am livid. (Though, I do have to admit I love Mandy Patinkin. I just wish he came at a different time.)  But while I’m angry, I think it’s important not to make this into something it’s not. 

Okay. That’s all. 

3

Fun fact: The debt he’s referring to here happened between chapters 310-311. It took him over 200 chapters to repay his debt and he never once forgot about it this whole time.

Spending Sugar Money

As most experienced sugar babies will know, when first starting off an arrangement, determining how to spend your new windfall allowance is difficult.  To assist newbies and other babies in the bowl, check out my strategy below!

Beginning Allowance (when first entering the bowl/a new arrangement):  

  1. Save up three months worth of rent (keep in savings for rainy day, continue paying rent out of pocket from vanilla job)
  2. Purchase general necessities (stock up on things like shampoo, toothpaste, other toiletries, etc. also for rainy day; stock up on non-perishable food also or grocery store gift cards)
  3. Pay off all credit card debt (minor debt)
  4. Begin chipping away at Student Loan Debt (major debt)

Percent of what goes where:

  • 50% - student loans (or other large debt you may be carrying.
  • 30% - high yield savings account (I use Capital One 360 because I like the ability to make sub accounts)
  • 10% - personal spending fun (if you’re in a lot of debt you might be tempted to put all your money in savings or paying things off, but be realistic here. You will always want to have a little bit of fun spending money! If you don’t include it in your budget, you will throw your whole budget off)
  • 5% - sugaring necessities (makeup, hair, nails, tanning, lingerie - don’t forget to invest in yourself! This is important!)
  • 5% - house cash (random necessities - food, toiletries, cleaning supplies, bed sheets, etc.)

What does this look like in monthly allowances?

…And so on.  You get the idea.  It doesn’t matter what kind of allowance you have.  It’s still money you didn’t have before!  Remember to think of your sugar money as a windfall and put it to good use! 

  • ***in Episode 45 of the Pokemon playthrough***
  • Danny: I won't talk, like, numbers or anything like this, but like just to show everyone what a fucking awesome guy you are. Uh, before i joined the show, and I was unemployed, I had just moved to LA. Ninja Sex Party was...in the red, shall we say? And like, needed cash to stay afloat. And we were gonna do a Kickstarter! And I told you about it; and you were like, "Dude, I'll just give you that." And, like...I almost cried. 'Cuz it was so fucking awesome of you.
  • Arin: Wasn't that in line at...?
  • Danny: It was on line for the X2!
  • Arin: *laughing* At Magic Mountain!
  • Danny: At Six Flags Magic Mountain!
  • Arin: We were getting all pumped and then we got real!
  • Danny: Yeah, and then I got very emotional; and THEN I flew on a roller coaster at 80 miles an hour backwards through fire!
  • Arin: And saw God.
  • Danny: Hooooly shit, that was a terrifying roller coaster. And I'm just grateful that I got a job right after that, like a week later. And then I got this job - the greatest job of all time - and then I didn't need that anymore. So I never actually needed...'cuz I hate borrowing money from friends.
  • Arin: Well whatever, it wouldn't be borrowing it, you'd just have it.
  • Danny: Well that'd be even worse, because...I couldn't accept that amount of money without feeling like I owed you...a great debt.
  • Arin: Yeah but here's the thing, you're my friend.
  • Danny: I know.
  • Arin: And that's just a thing that friends do.
  • Danny: You're a very rare and special guy, Arin. I don't think that's a thing that a lot of friends would do.
  • Arin: Well, then...fuck them.
  • Danny: Right?!
  • Arin: What do they know about friendship?
Don't take my lawn decorations.

I had purchased my first home in a slightly lower class area of town, which is pretty close to an even lower class area of town. (Think slightly ghetto a mile from absolute trailer trash.) I know most of my immediate neighbors, since most of them are pretty loud and I’d rather be friendly with them than have them be my enemy.

Some local kid likes to go around collecting trash in his free time. A real nice kid, does it for really no reason. Whenever I see him, I usually get him a drink, lemonade or soda so he can stay hydrated. (California is hot.) Sometimes I give him a few dollars, I offer the kid $30 a month to mow my lawn 2x a month. So, kid has a gig for small, but consistent income.

The kid takes a lot of pride in his work. He mows the lawn, pulls weeds, moves rocks out of the driveway, and just makes my place look extra nice, even though I don’t even ask him to do any extra work. This guy is great.

This goes on for a few years, kid is now a senior in highschool. Family is not doing so great, dad just lost his main source of income, and mom had accumulated debt which put a lot of stress on their failing marriage. Mom was abusive verbally and sometimes physically to both the kid, and the Father. But the kid keeps on walking, doing work, volunteering and being a real happy, up beat dude.

Despite his troubles at home, the kid starts buying lawn decorations. Mostly small, little gnomes, some decorative rocks, and bird bath, and he decorates my yard. It looks amazing, but I knew he must have spent a lot of his own money on that. I try to reimburse him, and he denies. He won’t take it.
I know he needs a car, and I was about to get a newer one for myself, so I gave my mine for free. It really was the least I could do for this guy for everything he has done for me.

A few weeks later, a drunk driver T bones the kid, and he dies on the scene. I was devastated, his parents were devastated, and they soon after got a divorce.

They were fighting over who gets what, and the father discovers that the mother had a drug addiction she had been hiding. Straight out of left field. She wants everything they had, and she lawyers up to fight the battle. Due to the debt the mother had accumulated on the father’s bank account, he had really no money. And nobody knew where she got her money from.
As sad as it is, it’s not my affair. Until she sent me a letter claiming that the yard decorations are rightfully hers, and that she will take them “or else”. Now, this is a problem.

I get it, you lost your only child. You’re in a lot of pain as a parent. But you were never a good parent to him. I was closer to him than you, by a long shot.
So, I had a meeting with the father, and told him not to worry about the court costs. I decided I was going to fund him in court.

Long story short about their divorce battle, but he wins, and gets to keep everything, and even gets a restraining order on her. He then files for credit card fraud, and puts all the debt on her.

I heard from the father that she was recently arrested for driving while drunk, and was search and has a decent stash of meth on her. She is currently awaiting trial for that, while the father is living a life now relatively stress free.
And I got to keep my lawn decorations.
RIP Johnathan. You are missed.

I feel like a lot of attempts at convincing conservatives that larger social safety nets and state-funded healthcare are good things are like… fundamentally failing to engage with their basic concerns.

Like, guys, I have literally been asked questions along the lines of “what are your plans for when the economy collapses and all of our currency becomes worthless” by multiple family members in the past month. If people keep yelling WHY DO YOU HATE THE POORS at them, then I think they’re going to feel roughly the same as a conservationist who keeps hearing WHY DO YOU HATE POOR PEOPLE IN THE CONGO WHO CUT DOWN THE RAIN FOREST FOR AGRICULTURAL PURPOSES

like, you don’t. you don’t hate those people. maybe you hate people much more powerful than them who cut down many more trees, but the people who clear four acres so they have some land to grow crops to feed their families? nah, you don’t hate those people. if you object to their actions, it’s because you’re afraid that those people might accidentally be hastening the end of the world as we know it. And if you think the debate is Person In The Congo Would Like To Clear Some Rain Forest To Feed His Family, Please vs This Will Bring About The End Of The World, you might reasonably conclude that we are just not gonna be able to compromise on the end of the world thing.

There are a lot of conservatives who seem to be every bit as concerned about government spending as liberals are about climate change and extinction rates. And like–you might think that’s dumb. You might think they’re tilting at windmills while ignoring the hurricane right behind the windmills. But as long as they think that the windmills are an imminent threat to everything they know and love and hold dear–as long as they turn to me and say “bard, I’m so sorry we couldn’t defeat those windmills for you, I’m so sorry that you’re the one who’s going to have to live in a world where their reign of terror seems impossible to escape”–like, at that point, you gotta engage with their concern about the windmills. You gotta try to convince them that your proposed policies are not going to destroy everything they care about.

Yelling at them to have compassion doesn’t solve that problem. They have compassion. That’s why they’re so worried about the killer windmills.

I’m sorry

but it kinda hurts to see so many people inadvertently shaming Sana for unfriending Yousef, when as a Muslim girl it was so empowering to see another Muslim girl on tv doing what she thought was right instead of going against her values and giving in to temptation? Like, honestly i LOVE Yousef as a character and do feel bad that he’s probs going to be hurt by that, but i’ve seen SO many posts that are one-sided on the matter and feel like Yousef has been so wronged and Sana is harsh?? Like do you realise how much she probably liked this boy, and how much strength and willpower it took for her to do that???? The whole point of this is that we’re seeing it from her POV and Julie is literally showing us the inner conflict she’s going through with this.

I’ve also seen a lot of misconceptions where people have stated that Sana unfriended Yousef cos he’s not Muslim, or that she’s behaving wrongly towards him because he’s not Muslim when that is completely ridiculous. It’s not directly because he’s not Muslim that she’s distancing herself, its because she has feelings for him that she feels will only grow if she keeps in contact with him, which she wants to avoid because they’ll only both get hurt if this thing carries on. I mean ya’ll are throwing tantrums cos she UNFRIENDED him on facebook, can you imagine if she led him on further and let things progress, and THEN came to the conclusion that they can’t be together?? That would hurt them both SO much more. She’s trying to do them both a favour and end it before it begins. 

And a final thing I’ve seen being expressed in the tags, is this idea that Sana should compromise because Yousef knew she was Muslim and still wanted something, so she should do the same and put aside her differences? Like, do you guys realise how unfair that would be to her. It’s completely not the same thing??? Yousef isn’t doing Sana a favour by ‘accepting’ her despite her religion, therefore Sana has no debt to repay. She’s her own woman, and if her religion means so much to her that she feels she can’t compromise it, then people need to respect that and understand that it makes her brave, strong and powerful, not cold and harsh like a lot of people have said/insinuated.

Probs noone is going to read this cos I’m a nobody, but i felt really strongly about this. Representation matters, and I see so much of myself in Sana, so much to the point that if i were in this situation myself I know i would do something similar. So these kind of comments felt so personal to me, and it really genuinely hurt? I hope some of you understand that I’m not attacking you for having these kinds of thoughts, because its difficult to empathise with people when you don’t relate, but that you might think twice about commenting something like that again after now hearing from a Muslim girl who does relate. You live and learn and I would never hold it against any of you xxx

Imagine if the first one to find out Ladybug’s identity...

…is Chloé Bourgeois. 

I can easily picture Alya finding out; I swoon at the thought of Adrien finally knowing. thelastpilot has given us an extremely spot-on characterization of Nino finding out who LB is. 

But when it comes to Chloé knowing, a part of me hesitates. Because I honestly don’t know how she’d react to that. She LOVES her some Ladybug, but absolutely cannot STAND Marinette. How does a person reconcile that? Will she like Ladybug less? Or stop altogether? Or will she stop being awful to Marinette? It could go so many ways! 

Imagine Chloé realizing that the girl she was secretly jealous of, the kind Marinette who made friends without money or fame or threats, the girl that Adrien seemed to enjoy being around, THAT girl was ALSO Ladybug? Who was loved by all of Paris? Including herself? 

Would her jealousy just get worse? Would she hate Marinette more? Try to sabotage her because no way can she have it all. She can’t be this popular pretty girl in school and ALSO a super hero. She doesn’t get to be so close to Adrien in school AND have him gawk at her as Ladybug. It’s just so UNFAIR. 

But then imagine Chloé knowing that with all the YEARS of harassment and rude comments  she’d subjected Marinette to, LB STILL saved her life. Multiple times. Marinette let Chloé call her a friend when she was behind the mask, even knowing she’d got back to school the next day and hear the mayor’s daughter throw insults at her. 

Maybe that is what, once and for all, stops Chloé’s reign of terror. Kinda

Imagine the class’s reactions when Chloé starts asking after Marinette’s health. Suddenly feeling guilty and realizing the girl might be falling down a lot because she has bruises or broke something in a fight or GOD what if she has the flu? 

Imagine Marinette’s skeptical reaction to that, and Chloé’s nonchalant “Well don’t think I actually CARE or anything…just don’t want your nasty germs getting all over me Marinette Dupain-Cheng!” 

Imagine Tom and Sabine’s bakery suddenly getting it’s debts paid off, courtesy of the mayor. Imagine them getting invited to cater at high-profile events and galas in Paris. Suddenly business is booming even MORE than before. The Dupain-Cheng’s don’t have to worry about money anymore. 

Imagine Chloé suddenly asking Sabrina to do two sets of geography homework. “You know…just in case I lose one or something!” But she knows an akuma attacked late last night and there’s no way Mari had time to do hers. 

Imagine there’s an akuma attack, and all their classmates wonder where Marinette is, and Chloé distracts them with a “Who cares about her anyway? She probably tripped and got herself locked in a closet somewhere. Let’s just go!” 

Imagine her purposely being late for school (she makes Sabrina do it too) as well so that the teacher leaves Marinette alone. Because if Marinette is in trouble then so is Chloé, and who would dare give the mayor’s daughter a tardy, and “We’re not late, the rest of you are just early!” 

Imagine that Chloé Bourgeois still pretends to be the stuck up rich brat everyone knows her as just to keep Marinette’s secret safe. 

Imagine her actually wanting to be Marinette’s friend even MORE, but feeling super embarrassed about everything between them and not really knowing how else to be. This is all new for her, and she’s never been really good at making friends. ;) 

And she thinks maybe that’s what she deserves for treating Marinette so terribly. Maybe she doesn’t deserve to have her as a real friend. But she’s definitely going to do what she can to help.

She IS Ladybug’s number one fan after all. 

Always Bring a Backup

We’re playing in a sci-fi setting in which it is commonplace for people to save a copy of their consciousness in what is called a “backup” so that they can later be resurrected. We are playing as a group of criminals associated with the Russian mob. Our current mission is to travel into a dangerous area to retrieve some valuable artifacts that can pay off some of the debt that one player character (a cold-hearted information broker) owes to the mob. My character (a ditzy catgirl DJ) has called up an NPC friend to deliver some drugs to her before the party leaves. The NPC asks to come along on the mission, but when he starts to approach the rest of the party, he meets some resistance.

Information Broker: Um, excuse me? What is this?

DJ: Oh, this is Ruffridge. He’s coming along as my guest.

Information Broker: …No. No, he can’t come.

DJ: Nyaw, don’t be such a sourpuss! Ruffridge has all sorts of stuff to help us out in a tight spot!

GM (As Ruffridge): Yeah, man, come on!

Information Broker: No, absolutely not! This is going to be very dangerous. He’ll probably die. I mean, do you even have a backup?

GM (As Ruffridge): Aw, man, don’t be like this…of course I’ve got a backup!

Information Broker: Ah, good.

Information Broker (OOC): I want to take out my gun and shoot him point-blank in the head.

She succeeds on the roll, and Ruffridge falls to the ground dead.

DJ: What did you do that for!?

Information Broker: Well, he won’t be bugging us anymore. Come on, let’s go.

Russian Mobster: (while inspecting the body) You know, I actually have a guy who would pay a lot for some of the implants this guy has. It would probably pay off a lot of your debt.

Information Broker: Really, now?

And that’s the story of how we bypassed an entire adventure by killing a random NPC for convenience’s sake.

There Is No Third Option

||| Anon asked: Pls write more bts/exo mafia!! Arrange marriage ones too, angst but then fluffy :) |||


Kim Jongdae (Chen) x Reader

Genre: Mafia AU, angst, fluff

Word count: 707

Originally posted by drkimkai

“No.” you told him.

“Oh really?” he asked. “How about now.” he said taking his gun out and pointing it at you.

“I would rather die then get married to you.”

“Aish, you’re so stubborn.” he said putting the gun away. “You know it’s already too late. You belonged to me the moment your parents gave you up.”

“My parents don’t own me, so them giving me to you to repay their debts doesn’t count.”

He was losing his patience, so he came up to you and roughly grabbed you by the arm and lifted you up, so you were at his eye level.

“Look. This isn’t game, so you’re going to walk out of this room with the dress on or I will make you regret it for the rest of your life. Which will surely happen, seeing how we are about to get married.”

“Let go of me, Jongdae.” you told him, prying his hand off.

“You’re lucky, you have such a pretty face because I would have smacked you a long time ago.” he went to the door.

“I will be back in half an hour, get ready.” he said closing and locking them.

As soon as he left you started crying. You couldn’t believe your parents did this to you. They were gambling all their life and always had a lot of debts but you didn’t think they would take drastic measures like this. You hated them. You hated him. You had to get out of here. You looked around and saw the window by the ceiling. You pushed everything off the table and got on top of it. You tried opening it but it had bars on the other side.

“Fuck!” you shouted. After trying every possible idea you came up with in order to leave the room you sat down on the bed.

“Calm down.” you thought trying to hold in your tears. “The bathroom!” you got up and ran to it.

You immediately noticed the ventilation shaft. You took the cover off and almost screamed in excitement when you realized that you will be able to fit in. You gathered all your strength and lifted yourself up, you were half way in when somebody grabbed you by the leg.

“What the fuck do you think you’re doing?!” Jongdae asked dragging you out so quickly you fell into his arms.

“Don’t touch me.” you tried hitting him but his grip was strong. He flung you over his shoulder.

“I thought I told you to get ready not to trash the fucking room. Now it’s too late. I’m tired of waiting.” he told you going out the door.

“I swear if you do anything I’m going to-”

“You’re going to do what? Don’t you realize that there is no easy escape out of this?” he threw you on the sofa downstairs. "Watch her and be cautious, she’s a fighter.“ he signaled his men.

“Where are you going?”

“Why do you suddenly care?” he asked exiting the hall you were in.

You waited for him for hours and were half asleep when he lifted you up again. This time he was more gentle. You opened your eyes and saw him smiling.

“What?”

“You’re so much cuter when you’re sleeping.”

You averted your eyes, hoping he won’t see you blushing.

“I can walk on my own.” you stated.

“I know you can but I just feel like carrying you.” he smirked.

He took you to yet another room and placed you on the chair.

“Here.” he gave you a bunch of papers. “You either sign them or I kill you. There is no third option. But you should know that I don’t want to do the second one.”

You looked at the papers that were about to decide your life for you. Even though you told him you would rather die before, you actually wanted to live, you wanted to experience so many things in life. You took the pen out of his hand and signed. You sat in silence, looking ahead of you when before long tears began falling.

“Don’t cry.” he said wiping them away with his thumb. “I will take care of you better than your parents ever did.” he smiled.


~ Part 2 ~

A/N: Feel free to request more scenarios, reactions, mtl etc. I keep up with a lot of groups, both male and female!! 😄

To all my teenage and younger followers...

Let me tell you some life lessons I have learned in my 24 years on this Earth. 

1. Read the fine print. In every lease agreement, credit card application, and bill. Never take the information in large print as truth. The world is a place full of capitalist greed and people will try to swindle you for every dime you have. 

2. A credit card very rarely makes things better. While suddenly having a couple thousand dollars to spend might sound amazing, keep in mind the fact that you’re going to have to pay that back and then some. Never get a card with an annual fee if you can avoid it- because even if you don’t use it, it’ll still cost you.

3. Set up automatic payments. You will forget payments, and that can cost you (literally) a great deal. Set up automatic online payments with reminders so that you know it’s coming up, but don’t have to worry about it. 

4. In-Store credit cards are almost always terrible. Sears, Home Depot, Victoria’s Secret- all of them. They are usually packaged with fun deals like “get $50 off this purchase if you’re pre-approved!”. They fail to mention the 25% interest rate, annual fees, and the fact that it can only be used in that store. 

5. Keep your receipts. Seriously! Just keep a folder in your car and one in your house and drop every receipt you get in them.  At the end of the month dump them out and go through them. You’ll be amazed at what your spending looks like when it’s splayed out in front of you.  It makes budgeting much easier when you see real numbers. These can also come in handy around tax time- you would be surprised at the things you can write off in certain situations.

6. Learn about income tax. Visit the IRS website and educate yourself! It sounds boring (and it freakin’ is) but in no way does high school prepare you for or teach you about taxes well enough to hold your own in the real world. 

7. Claim as little as possible on your W4. When you start a new job, they always give you a W4 to fill out for tax information.  On line 5 of the form, it’ll ask how many allowances you want to claim. Now, claiming yourself may seem like a good idea because you get to keep more money on your paycheck- but it can also come back to bite you at the end of the year.  You may even end up paying in! On that same note, make sure your employer files your tax information correctly. I once ended up paying in $8,000 in taxes because my employer never had the IRS take taxes out of my checks! Whoops!

8. Start a savings fund. No matter how small it is! Even if you just put away $2 a week- it will eventually add up.  If you can, start a savings account that will earn you interest. 

9. Save your paystubs! If you plan to buy a car or rent an apartment, they’re going to want to see them.

10. Write down the start and end dates of every job you have. Making a resume and filling out job applications will be much easier with this information.

11. Make a good resume and keep printed copies as well as a digital copy at all times.  There are many excellent resume writing resources online that can help you (heck, I can help you- I used to work in HR!) buff up your resume.  You never know when you might meet someone who can present you with an opportunity! 

12. Never be afraid to ask for a raise or promotion.  If you are performing well and meeting or exceeding expectations- ask your supervisor for a raise or change of position that will pay more.  If you are aiming for a promotion, stroke the company’s ego, say something like “I would like the opportunity to prove my worth to the company and further my career with (         ).”

13. Debt collectors do not give up. They are a lot like the Terminator.  If you block their numbers or ignore their calls, they’ll find your family members or show up at your house. This is no joke. I have had hospital bill collectors call roommates, my parents, and even my dad once.  They are relentless and they do not care about your current situation or financial stability. They follow a script and expect you to pay up.  It’s hard not to panic when you get that first collections call- you definitely don’t feel in control of the situation. But remember, debt collectors are actually bound by many restrictions- they are barred from: 

-Using abusive or obscene language. -Harassing you with repeated calls.-Calling before 8 a.m. or after 9 p.m. unless you agree. -Calling you at work if you have asked them to stop. -Talking to anyone but you or your attorney about the debt. -Misrepresenting the amount of your debt. -Falsely claiming to be an attorney or a law enforcement official. -Falsely claiming to be a credit bureau representative. -Threatening to sue unless they actually plan to take legal action. -Threatening to garnish wages or seize property unless they actually intend to do it.

Always ask for written information on the debt- tell them to send you a paper statement of the debt so that you can look it over and decide what to do. Offer to make payments that are within your financial means- if they try to bully you into making larger ones, tell them you are well aware that they’ve looked into your finances and should know what you are able to afford.

14. Get renters insurance. Better to have it and not need it than to need it and not have it! 

15. Take inventory of the things you own. If you own electronics, guns, or other expensive items, write down the serial numbers and take pictures of them in your house. That way, if there’s a break in, fire, or flash flood, you have documentation and data to provide to your insurance company. 


I’ll add more as I think of them, but here’s a start. It’ll be tagged under “successfully adulting”.

EDIT: Here’s a link to the google drive document version of this. It will be updated periodically! https://docs.google.com/document/d/1Q_YnP3euuJcfjpQY7wuE1JmB_5e60ebZFsfW5f0MtGM/edit?usp=sharing
This document also includes a resources section with links to help you get started in many areas of adult life!

Please help

I have no other choice but to ask for your help again. I really don’t want to do this, but my tablet has died and I can’t offer commissions at the moment.

As some of you may know, I’ve been living with my abusive and emotionally unstable father, but now I’m staying with my mother since Christmas. My mental health has improved a little, but there are things that we can’t deal with alone.

My mother has had an accident at work last summer, and she doesn’t receive any money anymore, plus her request for financial help was rejected two weeks ago. I can’t work due to my social anxiety and depression that weren’t treated for ten years. Art is my only source of income.

My mother needs money for two reasons, and I’ve already lent her everything I could:

- she walks from one doctor to another, treating her neglected health, each visit is paid. Each of those visits and tests are a must
- meds for both me and her, mine cost $50 every two months
- she wants to divorce my abusive father who still acts like a psycho even after we moved out. And that costs. While she may end up not paying for the whole process, she has to pay A LOT to her lawyer.
- the flat we’re staying at hasn’t had its rent paid for a longer time now, and there’s a debt of around $800. Soon we might end up kicked out, since this neighborhood is very strict about that.

I’m asking for your help, please spread the word and donate if you can. I have about 3,800 followers, if only 1/3 donated $1, I wouldn’t have to worry about anything!! Even the smallest amount makes a difference!


My paypal address is zettai.red@gmail.com, and you can find my donate button here.


Please signal boost it, and thank you all for bearing with me!

3

Please Help me and my cat!

Hello there and sorry for taking up some of your time but if you could help me it would be really much appreciated!

First of all my name is Killian, I’m 20 and living at home in germany with my parents and my precious cat who helped me through a lot of trouble and emotional stuff, and I’m really really grateful for having him.

Around a month ago he started crying all the time, had trouble peeing and some other issues. We went to the vet and they managed to fix it for around 3 weeks, but now the same issue is back, and even worse. We went there again but it’s not clear what he has and how bad it is and worst; how expensive it could be to find out and fix it. I’m currently without a job because of my apprenticeship (which I’m not getting paid for), I get around (~80€) $90 a month from my parents but I have to buy food for myself and for the cat so I don’t really have any to pay what’s coming up. But the vet expects it to be at least ~(280€) $300, which is terribly expensive. And I’m in (~150€) $160 dollar in debt because of an uncleared issue with the registry office and it might get more and more expensive.

I’m trying to earn money with drawing and selling designs but it doesn’t give me that much, my friends can’t help me because they don’t have any money themself.


Any help will be appreciated, even if it’s just $1 or even less, I need anything I can get. Reblogging would also help a lot to share it, so if you can’t help us, maybe someone else can..

If you wanna help me, my paypal is: askjell.lindner@googlemail.com

The Maid

Characters: reader, Dean, Sam

Pairing: Dean x reader

Warnings: swearing, smut, Dom!dean, sub!reader, praise!kink, orgasm denial, oral (male and female receiving), unprotected sex

Word count: 3411

Summary: when you take up a new job as a maid at the bunker, you may have a slight crush on your boss; Dean.

A/N: happy Valentine’s Day, here some Dean smut for you beautiful people

You were running late to your job interview. It wasn’t like you weren’t prepared or didn’t leave on time, but this place was very hidden. You were in desperate need of money so you decided to go to an interview to become a maid at a bunker. You had seen the ad for the job, you didn’t have to book an interview you just had to show up between the time 3:00pm-5:30pm. It was 6:30pm and you had only just arrived outside of this bunker.

Keep reading

so the witch collected her debt & a twitching, laughing scarecrow is said 2 haunt the forests around the kingdom. some ppl say they can hear him wailing at night still hungry for revenge while others say hes doomed to look for his lost creation for all eternity THE END

i like…the idea of hayseed bein a cursed junkenstein like reapers pumpkin head is sum cursed witch servant i like it a lot & only wish i had more time to sit n doodle these days

The Elsewhere Child

He was supposed to take my memories when he brought me here, the seelie knight, who had been commanded to escort me home with a simple “take it away, it’s too old now and it bores me” from the noble who had kept me for the past while. I traded him my singing voice for them though, and now where once sweet music poured from my lips only hoarse and untuned notes fall out without any of the tempo or melody they had before. Now I think I made a bad trade. It might have been better, if I didn’t remember, or remembered something else entirely.

I stare at the boy next to me in the circle, I was asked to join this circle as a way to make me feel part of something, part of a circle. They call the circle a support group for abducted children. Children who were abducted and got away, that is, I don’t think there’s a support group for those currently abducted. Their abductors wouldn’t allow them to attend, I suppose. The boy is speaking about the man who touched him, speaking of the horrible way he loved that man, because he was a child, and he had to love someone. Are his memories true? Or is he like me? Did a faerie take him away, and replace the memories from Under the Hill with these tragedies? Why? Did he commit some crime? I cannot say.

I am fascinated by the girl who sits next to the girl directly across from me in the circle. She tells us to call her Angie. She wears ratty clothes, not the sort of poor chic that seems to be an underlying trend, with jackets made of patches and ribbed cloth sold at malls, but real grunge. The tears in her sleeves reveal razor scars, her hair is short, she wants to look tough, she wants people to cross the street to get away from her when they see her coming. She is not tough. She is nervous, always nervous, always afraid, though she hides it well. None of these things are too interesting to me, those things I can see anywhere, but I thought context would be important so that the fact that she’s a pathological liar would not be the only thing you knew about her.

She is a pathological liar.

Her lies fascinate me.

After group chat, I take her aside and we talk, sometimes just for a few minutes, sometimes for hours, and I watch her fabricate thousands of untruths, from tiny white ones to huge fantastical ones as bright and colorful as her life has never been. Some days, I believe everything she says and some days I question each word, trying to figure out her secret.

It’s a strange thing, I was taken before I really knew my name, and each faerie that’s kept me (I was a pet for them) called me something different. Do I even have a true name? I’ve been Jane Doe since I showed up, stumbling barefoot and confused into a police station moments after midnight (at least the knight knew to leave me near a place of authority), so I’ve been introducing myself as Roe, like the deer. They ran my DNA through the missing children’s database (I didn’t understand what that was at first, was shocked at how closely humans had approximated magic with computers), but there was no match. I told them I didn’t know how long ago I’d been abducted, and suggested that it might have been before the database was made. They laughed and said I was eighteen, and DNA technology had been around much longer than me. I tried to explain that time was different where I had been kept, but they simply patted me on my head and told me they were sure that it seemed that way to me at the time.

They stared at me worriedly when one of them brought me a McDonald’s Happy Meal, and I asked what she wanted for it. She told me nothing. No one here ever asks for anything besides courtesy in return for their food, but old habits are hard to break. Even now, in my foster home, I cannot help insisting that my hosts confirm that this food is a gift freely given. They asked me to help them cook and I broke down in tears because there was a cast iron skillet on the stove (“Please don’t make me, iron burns, iron burns, and it gets under your skin and makes you go grey and lifeless like a flower severed from its roots, plea-please, please don’t make me”). It took them an hour to convince me that they weren’t trying to force me to poison myself, and the food burned (“I said I would help you, you asked me to cook and I agreed, but, but please don’t make me, it burns, it’ll burn me!” “It’s alright darling, you don’t have to cook if you don’t want to.” “But I said I would! It was an oath!” “We’re sorry, we wouldn’t have asked if we’d known it would upset you, you can help some other way if you like.” “You… absolve me of my oath?” “Yes, of course we do darling!”).

I am more comfortable with iron now, I am not one of the Fair Folk, after all, it will not harm me. Correction, a blade of iron would harm me, but not because it was made of iron. It does, however, mess with my glamor.

It is a difficult thing, growing up bathed in magic and yet to have none of your own. A pixie once spoke of how she envied my hair, and I said, on impulse, “do you want it?” So a trade was made. She gave me the ability to change my appearance, and she walked away with my hair. I expected my hair to grow back after a time though… it did not. With my glamor I can have the appearance of having whatever hair I please, and sometimes I change it daily, but when I sleep or when iron is near my bare head is revealed. It is assumed by my hosts and everyone around me that I have many wigs, I have told them I do not, but they don’t believe in magic, so they insist on believing this instead.

I hide when I hear thunder, duck into a bathroom and put everything on backward and inside out if I’m in public, or simply sit quiet if I’m home. The first time I did this, it shook me to my core when someone told me “You know, your shirt is on backward.” I started to panic, until I realized that I could see myself too. It was a revelation, discovering that there was something humans could see that the Good Neighbors couldn’t.

It still boggles my mind how much people throw away, tears and menstrual blood caught on napkins, or gifts from that one aunt that they held onto for so long for the sentimental value but can’t keep now because they have to move into a smaller apartment, or the shirt they can’t wear anymore because it smells like their ex. They could trade these items to faeries for so many things, and yet they simply throw them away. What a waste.

My hosts insisted I should have a proper education, and after three years of homeschooling (to get me caught up) I applied to attend the local state college. There I found more people who fascinate me the way Angie does. There’s Lisa, who fights for animal rights, and Kyle, the leader of the Gay Straight Alliance group, and Riley, who’s going into the Peace Corps next year because they want to help the world. I ask them all the time why they do what they do, what they expect to get back, and they tell me that ideally they’ll make the world a better place, and that will pay them back eventually, but that they don’t do it for what they’ll get back, they do it because it’s right. I don’t understand. There’s Cheyenne, who always gets into intense political debates with other people over dinner in the cafeteria, and she believes so intensely about things that don’t even affect her, and she fights for them, and she tells me she does this because it’s right, and I don’t understand. I’ve never met anyone who cared about anything other than themselves Under the Hill. Faeries can’t lie, they can’t go back on their word, they honor their deals and make sure you honor them too, they repay debts and ensure they’re repaid in turn, they amuse themselves playing or squabbling over power, but they do not do things for free. They don’t care about things for free. They don’t defend the innocent, protect the weak, or forgive the ignorant. The culture shock coming here is bewildering.

If I could I’d honor my debts, leave a pile of gold at the doorstep of everyone who’s done me a kindness, but I have not the magic to do so. The drainage ponds hold no sirens, the falling snow has no frolicking pixies between its flakes, there is no magic for me to use here… or is there?

Perhaps I can’t call upon the magic Under the Hill, perhaps I can’t summon gold or make deals with darklings, but I can find magic here, I’ve seen others do it. I’ve seen a moon so beautiful it sends shivers down your spine captured by a little lense-box and put onto thick shiny paper. I’ve seen songs and stories written with such emotion that it moves those who hear them to tears, to laughter, to dancing, to life. I’ve seen kitchen witches cure colds with hot chicken soup, and I’ve seen holy men ward off tricksters they can’t even see with the power of their belief.

Perhaps I can find a way to create my own magic, and do what other people seem to strive to do to repay their debts. Perhaps I can make the world a better place, and learn the magic of humanity. And as for the places where magic does live? Where the boundary between worlds is thin and the drainage ponds and snowflakes carry faerie magic within? …I think I’ll be staying far away, for my part. I might still have a lot to learn, but I think I like it better here.

This whole Pokemon Go drama of people bashing younger generations on social media has made me think a lot. All the comments revolved around the same: “why don’t you go and adopt an actual animal?” “Or why are you so immature?”

The answer to most of these people is very simple: this is all we got. I’m going to be 25 years old in one month and I just secured my first ever permanent job. At my age my mum had a 6 year old and had a permanent job for 5 years. My dad had his own business. They had two cars, a house and a mortgage. Do you know what I have? Student loan debt, high rent for a tiny flat (that doesn’t allow pets btw!), four plants and a bus pass.

Baby boomers accuse my generation of being lazy and immature and this and that when they literally fucked everything over for us. “How do you want to buy a house do you? Well get ready to fork out a quarter of a million pounds and a kidney while you are at it!”

Travelling, fandoms and nostalgia filled games are all we got. Don’t you think I would like to have children? Don’t you think I go to sleep every night thinking I’m getting older and I haven’t reached even a quarter of the goals I set up for myself? Don’t you think that I’m scared I will never be able to afford a family? 

I grew up hearing that I could be everything I wanted. That if I worked really hard I would be rewarded for it. Well guess what? You lied. You, baby boomer, sitting comfortably in your 4-bed house with your mortgage and your white fence. You lied to all of us. So the least you can do is shut the fuck up and let me catch some Pokemon.