how long will it take me to pay off my credit card debt

anonymous asked:

Could you share some of your strategies and successes when it came to paying off your debt? I don't have a mortgage at this point in my life but want to have a solid plan for that and retirement savings!

Hey friend - here are some quick thoughts. I am a big fan of both Dave Ramsey and Susie Orman and our strategies are a combination of them. 

Let me share a little backstory for perspective. About 12 years ago our church put on a Session of Dave Ramses’s Financial Peace University. We signed up and the pre-class homework had us compile all our bills and debt into one spreadsheet. 

At this point, we had just been married a few years. We had no kids and we both had pretty well-paying jobs. We both paid bills but largely kept our finances separate. 

When we pulled all our bills together - we were in for some big and nasty surprises. Some of the things we found out included: 

  • We had over $100,000 in debt, excluding our mortgage. 
  • We were paying all our bills on time and had good credit scores, but we were spending more than we earned each paycheck
  • We had little to no savings

We were literally one check away from a very very big problem - and we didn’t even know it. It was scary, embarrassing and it made us make some immediate changes. 

Here are some of the things we did right away. I will admit we kept these up for a few years and slipped on some of them, but they did help us get on track. 

  • Compile a list of all your expenses and spend some time really looking at them. Keep in mind that where you spend your money, communicates what you value. One of our biggest expenses back then? Eating out - we probably spent 1/3 of our “disposable” income on restaurants. Was that really what we valued?
  • Be a team - if you are in a relationship and share expenses - it is critical you and your partner are on the same team. $ problems cause many breakups and divorces. Communication and commitment are critical here. Jennifer and I never really talked about it before this and that is part of why we got in trouble. Now we make financial decisions together and it makes everything so much easier. 
  • Build an emergency fund. Start with $500. Put this is savings and use it for true emergencies. (Once you pay your debt off, you should raise this to $2,000)
  • Decide what you can cut out - we cut eating out to once per week. We cancelled Netflix, audible and 4 or 5 other monthly expenses like cable and saved hundreds of $$. Use 100% of these savings to build your emergency fund. Once that is at $500, use this $ to pay down debt. 
  • Take your debt list and make a plan to pay each one down. Focus on one at a time until it is gone then go on to the next. We ranked them by interest rate and size, trying to kill off as many as we could, as quickly as we could. Once you pay off a debt, use 100% of this money to pay off your next debt item. This will “snowball” over time and eventually will get quite big. 
  • Find ways to make additional $. This could be selling things you aren’t using or getting a second job. Be creative. Perhaps you can paint someone’s house in exchange for something you need. The point is to find a way to make that pay off process faster. 
  • Carefully consider if / how you use credit cards. This was (and honestly still is) a challenge for us. We went cash only for 2 years, using the Dave Ramsey envelope process. It worked wonders for us. Once we got out of chronic debt, we slipped on this. 
  • Look at any predictable expenses you have and build a plan for paying them. We have several like our car tags, HOA fees and property tax. I put $ from every check away for these. I have it automated and never think about it and when the bills come up, I always have the $. 

Following this process - we were able to pay off about ½ our debt in 2 years. Then Josi was born and we decided we wanted Jennifer to be a stay at home mom. The truth is - had she stayed at her job, we probably could have paid off our debts faster, but we decided this was the best choice for our family. We could not have made that decision with 100k in debt. 

In the spirit of full disclosure - selling our family farm, which we inherited was what allowed us to pay off our house. Otherwise, that was on schedule to be paid off in 5-6 years. 

Long story short - I really like Financial Peace University. It helped us address some big issues before they kicked our butt. You may want to check it out too. Now on to the next chapter. 

Good luck :) 

A Penny For Your Thoughts, £400 For Your Meal

its now been a clean 2 weeks since i posted the last thing so here we go i guess,,, next thing i post should be the angus thongs au so i hope this tides you all over xxx

my love to @alrightevans @alrightpotter and @prongsyouignoramus for helping me get it from the mess it was when i wrote it 18 months ago to this

AO3


8:50. Avery glances at the bill and goes down to his car to retrieve his conveniently forgotten wallet.

8:59. Malfoy goes down to see what’s keeping him.

9:29. Nott slips out to answer an important call.

9:44. Mulciber dons his coat to take a piss.

9:51. Severus excuses himself for a quick fag, and Lily is left sitting alone at their table with a growing sense of suspicion.

9:53. Lily finally convinces herself to look at the bill, and her stomach drops to her knees.

11:41. “Ma’am?” the waitress asks, and Lily was sure she’d seen the worst of the girl’s frown, but she was wrong.

“A-another glass, please,” she mumbles, and the waitress’ eye roll and impatient huff says it all. There are eight or nine completely full glasses in a little grove in front of her already, and she doesn’t exactly have a plan of action, but at least this is buying her more time.

She’s buying herself more time, with money she doesn’t have.

“Of course,” the waitress spits, and sweeps away.

This close to midnight, Lily’s fairly confident they’d like to shut up shop shortly. She tears her eyes away from the frankly excessive amount of wine sitting full in front her, and glances around the previously bustling dining hall. She almost, almost pegs herself as the last diner, but there’s a man about her age on the other side of the room. He has a dozen or so desserts scattered around him, each as untouched as every one of her wine glasses. He gives her a tight smile as they make eye contact, and turns back to his food, pensive. Lily does the same.

Keep reading

blergness  asked:

this is the second time that i just paid off my whole credit balance using my savings, but then just a couple weeks later i have to put a Big Thing back on the card because I no longer have the savings to cover it. My question is basically: is it better to slowly pay off a credit card w/o putting any more balance on it, OR is it better to pay it all at once, then have to put more balance on it?? over all i think my balance is always going down either way, but this is starting to frustrate me

Friend, I have been you! And here’s the long and short of it:

YOU NEED A FUCKING EMERGENCY FUND. 

Here’s how to get there:

1. Pay off that card slowly, only paying the minimum. Meanwhile, throw every extra dollar you got into a savings account. This will be your emergency fund.

2. Once you’ve built up an emergency fund of at least $1,000-$1,500, throw every extra dollar into that credit card until it’s down to zero. 

3. When new emergencies or unexpected expenses crop up, pay for them with your emergency fund, NOT with the credit card. 

Having a solid emergency fund in place (and knowing when to use it) will save you from the Sysiphean cycle of credit card debt. Once you’re making a comfortable income and you’ve eliminated all other debt, then and only then can you use your credit card for emergencies and unexpected costs without guilt. 

Your homework assignment is to take care of yourself by snuggling a small furry animal, taking a bubble bath, and reading this:

Why You Might Not Need Your Emergency Fund

On Emergency Fund Remorse… and Bacon

When Money in the Bank Is a Bad Thing: Understanding Depreciation Expense



I went out with a guy for a year and a half.  Over those 18 months, he lent me $22 000. Sometimes they were obvious long term loans (“I’ll take $5 000 out of so you can pay your credit card debts, just pay me back at some point”, but sometimes we would go shopping and ask me if I wanted something, and the tell me to the total of money I owed him. Or he would offer to upgrade something at my place (even though I was perfectly fine with my old stuff) and then charge me for it. 

 All that time he was saying he was “investing in our relationship”, that we would get married, that eventually he would move in with me… We even discussed that he would live in my house rent free for a couple of years once his daughter moved out of his apartment, so that way I could pay him back in 3 or 4 years.

He knew from the day we met that I didn’t accept any for of cheating, but since I trusted him 100% we had discussed about opening the relationship at some point so we could play with other couples together.  And he still went ahead and cheated. 

 He finally wrote me a letter and confessed. He desperately tried to glue things back together, but about a month after he came clean i decided that i deserved better and dumped him. At first i said i would still pay him back, but only could afford $100 a month… which would take me about 20 years! 

During the 12 months he cheated on me i bough a house (he lent me money for that too, but thank god his name is not on the house!), so money got tight quick. 

In June i said i couldn’t afford to pay him for now, and that i would give him $500 in October. But in the meantime i get time to think… and now i kind of dont see why i should pay him back… We never had a legal contract, only a verbal agreements and discussion via email.  But even if those are considered legal (and im not sure they are), he didnt follow his side of the bargain, so why should in follow mine? 

He was lending me money to invest in a relationship that he was knowingly sabotaging by fucking other girls… why should I pay him back?! And by the way, he said he took loans to lend me money, but I never asked to see any transcripts. 

He said it was cost in x amount of fees to transfer the money, but I never saw any papers… And of course he wants me to pay him back in full, fees, interests and everything… Now that I don’t want to pay anymore he’s threatening to sue me if i dont pay him “his” $500 by Monday. Why do you think of all that? Is that financial abuse?

#LAVENDER sisterhood answer:

Yes, This is absolutely Financial Abuse.  

Please EVERYONE, I want you to go back and re-read her story.  I want you to see the slow continuous wind-up of his calculated manipulation to bring HER into LINE.

Keep reading

Uncharted - Chapter 3

Warnings: Nothing in particular

Word Count: about 2.4k

A\N: Hey guys! I’m back with a new one :) This is definitely a filler chapter. The plot doesn’t really move forward, but there’s a lot of details and descriptions of your surroundings. I really want you guys to have an image in your head, since i am quite visual. I am currently working on a few things so stay tuned !

Part One https://myfandomsbeatcancersass.tumblr.com/post/164836616473/uncharted-chapter-1

Part Two https://myfandomsbeatcancersass.tumblr.com/post/164981543348/uncharted-part-2

Originally posted by capntony

The floor was made out of grey tiles that glinted in the iridescent moonlight, the walls were white and gorgeous light fixtures were emanating a soft glow. You entered a wide hallway that opened up to a kitchen and a living room to the side. The kitchen itself left you speechless.

The counters were dark grey granite with cabinets a sleek cold light grey colour. Appliances lined the far wall with beautiful ovens and stoves, a built-in microwave and a fridge that could store enough food for a restaurant. There was an island with a sink and a dishwasher, a wine cellar, a mini-fridge and so many drawers with what you could only guess was every single culinary gadget on the face of the planet. Bar stools lined the exterior side of the island and a modern french mahogany dining table stood to the left.

You felt like a kid on Christmas day.

You turned to your right and found the living room. An enormous L shaped couch that probably costed a fortune was placed in front of a giant flat screen TV with an over the top sound system that was placed strategically around the room to have a certain in-theatre feel.

“This is absolutely crazy.” you huff to yourself. This entire apartment screams rich, but that’s one of the things you get when you live with a genius, billionaire, playboy, philanthropist.

You make your way out of the living room and into the bedro—

Holy shit

THis iS nOt a bedROOM. This ‘bedroom’ is twice the size of your old apartment. The window at the far end of the room was ceiling height and lined the entire wall. The bed was a king sized with crisp white expensive silk and a mountain of well placed pillows. A fireplace was placed off to the side lighting up the room in a warm glow. It looked thoroughly inviting but you weren’t done exploring the premises.

To the far end of the bedroom there was a beautiful glass desk with a chrome chair. On the desk there was a Macbook and an Ipad. Was he nuts? You had just moved in and your net worth just went up a couple thousand dollars.

There’s a door about ten feet to the left of the bed, one that you could only assume was the closet. You opened it and it was just… wow. It wasn’t just the grandness of it all, it was the sheer elegance of it. It was a long corridor with cabinets and closets lining each side. The materiel was a warm toned brown that was sleek. Each storage compartment seemed to have it’s own purpose.

I don’t even have enough clothes to fill one of these!

The closet opened to the bathroom and that really just blew your mind. The floor was an immaculate white. Straight in front of you was a bath large enough for more than one person.
(A/N: obvious foreshadowing for something in the future) You turned to your left and there was a counter that reached from wall to wall. Large mirror panels were placed right over the sink that had a faucet made out of a circular piece of glass and a lever to turn it on and off.  On the counter was numerous beauty products that were probably way too expensive, cotton pads, q-tips etc.

The shower to the right was a cubicle made purely out of glass and the hose was a spotless chrome stainless steel with beige tiles that lined the floor. This really was over the top.

You walk back to the kitchen, dropping your bag next to your bed, you’ll get back to that later. Ah, yes, the kitchen. Probably your favourite part in every house. You could make things, bake things, cook things. You opened the enormous fridge and see it empty except for a couple of water bottles and sodas. You’ll have to go to the grocery store. Again. The last time you got a bit interrupted.

Miss (y/n), may I suggest I order some groceries for you. I can have them delivered in an hour, F.R.I.D.A.Y says. You jump at the sudden intrusion, almost hitting your head on the shelf.

“Um, yes, thank you?” you respond, not sure how long it’ll take to get used to speaking to nothing. She was an artificial intelligence, but it still was very… different.

You started listing items that you’d like to have in your fridge and pantry. It took you a good half hour seeing as you have ten times more storage than you had before. And then, you realized something, how the hell are you supposed to pay for all of this. You walk over to your jacket and pull out your wallet. You see the pathetic couple of five dollar bills and coins, including a credit card you didn’t dare use unless an emergency was to occur. No one wanted debts. You sigh.

Miss (y/n), Tony left a message for you, he says,: “Hey kiddo, I bet right now you’re thinking about the whole money thing. Haven’t you noticed who you’re staying with baby cakes? I’m Tony Stark, go crazy, I don’t mind. Have fun, kid.”



“F.R.I.D.A.Y, could you help me get to Tony’s lab?” You asked ‘the air’, this is so weird.

Of course, Miss (y/n), follow the illuminated arrows on the floor, they will lead you to his lab. I am afraid Tony might be a little busy, so give him some time, she responds.

Alrighty, then. You walk out of your apartment, taking your phone and your keycard. (a freaking keycard). Soft white lights shaped in arrows start showing up on the floors, you follow them and find yourself in front of the elevator once again. You slide in wondering what to do now. The number 62 illuminates and the contraptions started moving up.

I’m glad I didn’t have to guess that, imagine if you ended up on Clint’s floor, or Sam’s?

You pinch your nose imagining the embarrassment.

Before you know it, a familiar mechanical ding echoes in the metal box. You exit, following the arrows until they just disappear. You look around, black tiles following the expanse of the room. You see a large staircase surrounded by glass fixtures. You walk towards it and open the surprisingly light glass door.

You walked up the beige granite stairs holding onto the metal rail, the walls were surrounded by beautiful paintings that you mentally reminded yourself to ask about later.

Once you hit the top, you walked through two glass sliding doors to be greeted with quite a sight. Four large and long tables surrounded one main square table. The entire lab was littered with metal contraptions, advanced machines, a considerable amount of blueprints and a metal arm that seemed to be moving at it’s own free will. To your right, there was another lab, from the outside, looked pristine clean. Inside there was Bruce who looked extremely concentrated on whatever formula he was inspecting under the microscope. You turned your attention back towards Tony who was… well, gently put, a mess. Streaks of grease were on his face, his arms and his clothes. He was wearing a dark grey tank top with a pair of comfortable looking pants. Sweat dripped off his forehead and his neck was glistening.

“Dum-E, I swear to God, if you break the blender again I’m going to sell you to the local science fair.” he says pointing at the mechanic arm that was just quietly waving around. He looks up.

“Oh, hey kid, what’s got you up at this hour?” Obviously surprised to see you here. You can tell he’s starting to treat you more as a daughter, but you didn’t mind. You never really had a father figure in your life. Your biological dad died when you were really young, you loved him with everything you had.. (Also, note the fact that it’s not even midnight yet and he’s acting as if you had a curfew on your first day here)

“Uh, ya. F.R.I.D.A.Y suggested that I fill up my pantry, and I saw the total,” He looks at you with his arms crossed,” and I know you left me a message, but I just wanted to make sure it was ok? Since I am new and stuff, I didn’t want to look like I was taking advantage of you, or the Avengers in general…” you trail off and reddening realizing that you were rambling. Great, you’ve made a fool of yourself.

“(Y/n), come sit here for a second.” He pats a small chair beside him. You hesitantly pace your way behind the desks and onto the chair he pulled up. You were now surrounded by incredibly advanced equipment and you were scared to move because you didn’t want to knock anything over.

“It’s ok, you can take a look.” he says kindly from behind you. You turn your head around, with your brows furrowed. Is he serious? “Ya, go ahead.”



Tony’s POV

God, her brows were scrunched up in the most adorable way. He honestly couldn’t believe the words that were coming out of his mouth. He’d never, ever let anyone in his lab, unless it was Bruce or Pepper, or there was some incredible rare, unfortunate, life-threatening situation. Then, he would maybe let them in. This was his private play-ground, he knew what the majority of these things did, well, he knew enough, sometimes things don’t always tend to go as planned.

His gaze turns towards (y/n) once again. Her wide (e/c) eyes roaming over every inch of the tables, her hands itching to touch something, but remaining firmly by her sides. He could see the curiosity ooze out of her, finally, someone who understands. (Except for Bruce) Someone who understands the burning need to know more, see more and learn more. Her gaze hungrily eating up all this new information, it’s quite amazing to watch.

“F.R.I.D.A.Y, would you kindly Vac U Form a digital wire frame, I want her to have a manipulatable projection.” He told the AI. She tears her gaze from the arc reactor prototype and turns to him. A blue light scans over all five tables and lifts up into the air, showing an exact replica of everything that was on display.

“Woah” She gasps, that was cute too. “Can I?” She asks pointing at the floating blueprint. He nods his consent. She waves her hand around and makes it turn, pinches her fingers together to minimize it and flings her arms wide open to zoom in. She starts giggling, like actually giggling, like a schoolgirl in kindergarten who just sold girl scout cookies for the first time.

“This is SO cool.” She zooms into one thing in particular, the new arc reactor prototype.

“Is that the thing in your chest?” she asks bluntly. She pauses, and then covers her mouth realizing how blunt she was. “Oh my, I’m sorry Mr.Stark, I didn’t mean to say it like that, I read about it in the papers and I may or may not have hacked into your mainframe and found some plans. Wait- I’m not supposed to tell you that.” She stares at him with wide eyes. He just starts laughing, an honest chortle rumbles his chest. God, it’s been a long time since he’s laughed like that.

“God, that’s funny, and cute. Hahahaha, I can’t believe this,” he keeps laughing, he’s not sure if she’s terrified, but she certainly looks like it. “HEY, BRuce! She hacked into F.R.I.D.A.Y and she doesn’t speak to me like I’m a ticking time bomb, I think she’s a keeper.” He shouts towards the other side of the lab. Bruce just looks at him unimpressed, but with a small smile on his face.

“Ok, first of all, stop calling Mr. Stark, that was my dad. Call me Tony,” she nods furiously,” and second of all, do you see all of this?,” he opens his arms wide, “this costs more money then you can imagine, so what I’m trying to say is, go crazy. I don’t care. Spend a thousand dollars on food, go ahead.”. And.. Wait a minute. How did you hack into F.R.I.D.A.Y?”

Your POV

I mean at this point you could start crying. You were never rich, you’ve been poor before, you know what it feels like to be hungry, thus your appreciation for cooking.

“Thank you.” Was all you said. He smiles sweetly at you and pulls you into a hug. At first you aren’t sure what to do, but slowly you relax into his embrace. He pushes you away and holds you in front of him at arms length, starring at your shirt.

“So you like AC/DC and Black Sabbath?” An infectious grin spreads across his face as you nod vigorously.

You ask F.R.I.D.A.Y to go through with your grocery list. For the next two hours, all you do is listen to music, occasionally go full on karaoke, have Tony discover your singing ‘talent’, (as he likes to call it) and discuss some science stuff.

He kindly walks you back to your apartment at around one in the morning and apologizes for keeping you up. How sweet of him? You never thought he could be so nice, most rumours involving him depict him as a rude, arrogant and incredibly egotistical person. Maybe he was, just not with you.

The groceries were neatly organized in your kitchen, by who? It didn’t matter, you were too tired to care.

You fell swiftly onto the crazy soft bed and succumbed to sleep like candles being blown out on a birthday cake. 

—————

Tag List 

@wantingtobekorra @the-avengers-initiative99 @i-love-superhero @carefullyawake @ipaintmelodies @bexboo616 @sophiealiice

anonymous asked:

I have almost $5k in credit card debt that I am trying to pay off. How do you stick to a budget? Sometimes I forget about the long-term reward and I just really want coffee made by someone else.

I stick to my budget because I have finite resources and refuse to take on debt from living beyond my means. In my mind, there’s no other choice. I spend according to my plan because I know that will keep me in the black and comfortable.

You are in charge of yourself and your decisions. You have to decide which you want more, coffee made by someone else or to be debt free?

It doesn’t have to be all or nothing.

Build that coffee into your budget. Give yourself $25 dollars a month to spend on someone else making you coffee. When it’s gone, it’s gone. Alternatively, you could spend a little more on the front end to buy specialty coffee beans that you grind and brew yourself at home as a compromise if you think that might satisfy your want.

If you want to be debt free and live within your means then you have to set realistic goals for yourself, in the form of a budget, and then stick to it. Think of all the things you could do with the money you free up after paying down that debt! You could save toward a larger goal, pay off other debt, you might even be able to fit another coffee drink in there 😜

warm blizzard

Part II of the Voltron Family AU inspired by @lordzuuko‘s lovely fanart.

[Read Part I and Part II on AO3]

They are already standing in line at the register when Keith sees her, just a little way ahead of them. He isn’t even sure why he recognizes her because the years have not exactly been kind to her, but when she angles her head to smile at the cashier, Keith is struck with the empty realization that this random woman on this random day is one of his former foster mothers. 


They are watching pokemon re-runs, all of them cuddled up in the living-room. It’s a day like any other and that means it’s perfect.

“What’s your favorite pokemon?” Lance asks into the ending credits, sprawling across Shiro’s lap.

Shiro pretends to think for a moment before he answers. “I’ll have to go with Pikachu on that one.”

“You’re just saying that because you can’t think of any others!” Lance pouts, even as Shiro reaches out a hand and wipes the frown off his face.

“Nope,” Shiro grins, “Pikachu just kind of reminds me of Keith when I first met him.”

“Hey!” Keith complains from the other end of the couch because he knows exactly what Shiro is thinking.

“My favorite is Magnemite!” Pidge announces to the surprise of absolutely no one.

Keep reading

I gave the car to my wife.

(warning: long story)

THE HAPPY:
Years ago, I used to be married to She-Who-Must-Not-Be-Named-(In-My-Family). For the purposes of brevity, we shall call her Alice.

Somewhat significant age gap when we got married: I was 27 and Alice was 19 at the time. We had our share of ups and downs, and during one particularly hard time about a year after we got married, we were sunk in credit card debt and had to move in with her mother, who had a whole bunch of chronic medical problems and no insurance. Stepdad is a shadetree mechanic (who was not bad at it, actually), but couldn’t get regular work because he had medical problems all his own. Move in, cut some costs, help family. It’s the right thing to do, right?

Problem was, Alice and I couldn’t seem to both hold jobs at the same time. She would get laid off a week before I would start a new job, and vice-versa. After about 9 months of this, I was like, fuck it, Imma get ALL the jobs.

Keep reading

Fics I desperately want for DA2 that better exist already  that I’ve come up with over the course of playing this game
  • Bethany has never wanted to date any of the men she knows. Then she meets Isabela and promptly realizes that’s because she’s a lesbian.

  • Anders helps rescue Nathaniel from the Deep Roads and refuses to let him leave his company without getting utterly piss drunk together at the Hanged Man, which is the sort of evening that starts out fun and ends with two men staring blearily into their mugs as they talk about the Warden, the finest damn woman they ever knew
    • and Hawke is like, you know the hero of Ferelden
    • Anders: yeah
    • Hawke: the hero of Ferelden
    • Anders: yup. she made me a grey warden herself
    • Hawke: *takes a deep breath*
    • Hawke: WHAT IS SHE LIKE OH MY GOD YOU KNOW HER WOW OKAY THAT’S JUST WOW CAN YOU GET ME HER AUTOGRAPH TELL ME EVERYTHING 
    • Anders: she’s short and likes fighting, please let go of my arm, I can’t feel my hand anymore 

  • When Isabela finds out Bethany is a virgin, she whisks the poor girl on a whirlwind tour of the city, trying to help her find just the right person to usher her magnificently into the world of sex. Bethany resists all of Isabela’s suggested partners. “I don’t like them!” she argues, and Isabela is like, “You’re not supposed to like them, you’re supposed to be madly attracted to them and then leave them forever in the morning. No muss–well, some muss if you’re doing it right–but certainly no fuss.”
    • Bethany remains staunchly unconvinced, even as Isabela whips out what she views as her trump card argument:
      • feelings are such a complication
      • feelings are just like another thing on top of sex, and wouldn’t that skew Bethany’s perception of sex? 
      • because Bethany’s never been in love
      • so if she waits to have sex with someone she loves
        • which is a ridiculous concept btw 
        • how would Bethany know what she was feeling was sex, and what was love?
    • “And never,” Isabela says firmly, “ever, ever tumble someone who loves you, especially when you don’t love them.”
      • “Why?”
      • “Because you’re a sweet girl. And that’s how sweet girls spend their lives married to shitty men they feel sorry for.”
  • Bethany is Isabela’s favorite pastime at the moment. That’s what she tells herself to rationalize why she’s so distraught that the girl’s been hauled off to the Circle. And that’s why she resolves to promptly break in. Bethany may have just lost her freedom and everything she’s ever known in one fell swoop, but if Isabela has her way, she’ll take from Bethany something she’ll at least be glad to give.
    • Or: “You broke into the Gallows to deflower me?” Bethany asks.
    • “I know,” Isabela responds. “It’s very dashing of me.”
      • (feelings are such a complication) 

  • Aveline is very happy dating her guardsman
    • she’s very very happy. 
    • she thinks it’s only right to pass that happiness on to the person who helped her find her own
    • and that is how Hawke finds herself the victim of a matchmaking scheme that is equal parts:
      • 1) relentless, and 
      • 2) incompetent. 
  • Not sure who Hawke is actually interested in, Aveline goes down the list:
    • Merrill
    • Anders
    • Fenris
    • Isabela
      • that last one is the definition of last ditch desperation 
  •  It Does Not Work
    • in fact it goes wrong in such an astonishingly stupendous way that Varric ends up doing waaaaaaaaaaaaaaaaaaaaay more than his usual amount of damage control
      • alongside Hawke
      • who tells him how much she appreciates everything that he does for them
      • Varric says he appreciates her appreciating him
      • but he’s happy to do it
      • still, says Hawke 
      • and they smile at each other
      • in a new kind of way
  • And Aveline is like, all according to plan
    • ((she’s absolutely lying but she’s still taking credit)) 

  • Leandra dies, and it’s horrible. No child should be alone after losing a parent in such a way. And the Hawke sisters shouldn’t have to grieve separately.
    • Or the story of the biggest bummer of a jailbreak of Bethany by everyone except Hawke, who is about to be very surprised in her mansion
    •  (Hawke who also thinks that all of her friends have abandoned her in this moment of need because they are all secretly performing said jailbreak)
      • It’s the classic conundrum of surprise parties
      • but like
      • a bit more of a bummer than usual 

  • Oghren turns up at the Hanged Man one day. Then he never leaves. 
    • “Look, he fought alongside the Hero of Ferelden too,” Anders tells Hawke. “Why don’t you go accost him?”
    • and Hawke is like, 
      • “Astonishingly
      • I prefer to talk to the Grey Warden who is less likely to light his fart on fire mid conversation”
    • and Anders is like,
      • “fair” 

  • Someone gives Hawke a nice massage
    • she has a nice afternoon
    • her friends got her a trip to the spa
    • everyone is going to the spa 
    • god their lives are so stressful
    • where is my spa fic 

  • Varric handles things for his friends. It’s what he does. And sometimes it’s easier to handle things on his own if he’s got a little proof that he can act on their behalf. Proof like, say, a marriage certificate. It’s actually very easy in Kirkwall to be married to multiple people if you know all the right clerks to file all the right paperwork in all the wrong places.
    • Or, how Varric marriage of convenienced literally all of his friends over the years 
    • except Isabela
    • who never had a problem solvable only by marriage
      • “Not unless you’re offering a good ship as a dowry”
      • Varric is not
  • but she marries Varric anyway on the grounds that if anyone deserves this paragon of manliness, it’s her
    • there’s a very dramatic wedding at The Hanged Man
    • Merrill is the flower girl
    • Fenris is the maid of honor who’s gonna be sleeping with the bride after the ceremony 
      • (Isabela conveys this during the ceremony)
    • Hawke in her role as best man fake cries and then, a few beers later, really cries
    • Anders officiates
      • he is in no way qualified to do this but they reason he has a robe so that’s good enough 
  • “This is a much better wedding than yours is gonna be,” Isabela tells Aveline
    • who scowls fiercely and buys the pirate another round anyway because it’s her turn
    • and then Isabela gives Aveline a wedding gift 
    • and as Aveline is about to point out that wedding gifts aren’t gifts you give away at your own wedding
    • she looks down
    • and sees divorce papers
    • divorcing her from Varric
    • so she can legally marry Donnic
    • and Aveline goes
      • wait
      • when the fuck did I marry Varric
  • and that’s the story of how Aveline nearly arrested Varric for illicit polygamy at his seventh wedding 

  • Hawke purchases back her family estate. The first thing she does is organize a sleepover.
    • attendance is mandatory
      • that means you, Fenris

  • Excerpts from the six year running card game between the group where they have: played for money, played for fun, played for the money owed from the last time they played for money, played for favors, played for money which is then offered as relief from the favors they had to give away last game (Hawke keeps cashing in her favors to get people to come to Sundermount with her, all of Isabela’s dares involve public nudity, and Anders makes people volunteer at his clinic: it’s worth just paying up to never have to do any of those things again), playing for pride, playing to solve debates, playing to soothe the tempers roused by the debates, played with stripping (“Oi, get a room at the Rose for that,” snaps a waitress as she goes by), played to reverse stripping (“Full house,” Aveline says, laying out her cards. “Varric, for once, button your shirt up.”) and mostly played because they are friends, despite what it looks like, and because they have each other, despite the odds, and anyway they just need another round and they’ll win back that coin they lost five years ago, come on, guys, just one more round
    • somehow they are all in staggering debt to each other
    • “guys,” Hawke says one night, “the debt is friendship” 
    • and Isabela is like, oh my god, no it’s not, pay me the damn money
    • f r i e n d s h i p 

Andre Lyon’s Top 10 Financial Tips.

You’ll want to write these down!

Even if you’re not on the verge of becoming a billionaire like hip-hop impresario Lucious Lyon, chances are you can still benefit from improving your personal finances. We sat down with Empire Entertainment CFO Andre Lyon and asked for his top ten financial tips for the average person. You’ll want to write these down and keep them close by!

1. MAKE A BUDGET
This is your first step. Take it seriously. Budget realistically so you can see where all your money’s going month-to-month. You can’t map out a financial strategy unless you know where you’re starting. This will also help wean you off the bad habit of spending money before you get it.

2. PLAY THE LONG GAME
Like the saying goes, “All the glitters is not gold.” I can’t tell you how many new artists I’ve seen get signed to Empire, only to blow through their signing bonus buying fancy cars and clothes, trying to create the impression that they’re living on the same level as my father, who’s sold millions of records. They end up spending themselves into a mountain of debt. So even if you’re not a singer or rapper who’s signed your first contract, take my advice: slow your roll. Don’t let money burn a hole in your pocket. Keep your eye on your long-term goals.

3. SAVE, SAVE, SAVE!
This simply can’t be stressed enough. A lot of people are resistant to the idea of saving, but I always think of it as “paying yourself first.” Even if you’re already in the habit of paying all your bills and other debts as fast as you can, it’s time to change your mindset. In most cases, paying everyone else first will most likely leave you with very little money left to set aside, and you’ll continue living month-to-month with no way out.

4. CUT THE CARDS
Years ago, when my father first started making some good money from his record sales, he started getting bombarded with pre-approved credit cards. And I don’t think it’s telling tales out of school for me to say that he took full advantage of them…until I sat him down and showed him that he was just throwing money out the window in terms of interest payments. So I’ll tell you like I told him: figure out which two – yes, only two – credits cards you truly need to live on. Cut the rest in half. Ironically, the more income you make, the more those pre-approved cards will keep showing up, but you don’t have to accept them. Steer clear of the trap.

5. LIVE UNDER YOUR MEANS
You often hear people say, “live within your means.” I disagree. For the average person, living within your means gives you very little wiggle room in case of emergencies. So you should be living as far below your means as reasonably possible. Saving a good portion of your income is critical to long-term financial health.

6. GET ORGANIZED
Balance your checkbook. Put all your monthly bills in one place and pick a specific day out of the month to sit down and pay them. Create a filing system for your bank statements tax returns, and other financial paperwork. These small steps might seem like a waste of time, but once you get into the habit of doing them, you’ll find that they actually save you money. No more overdraft fees or interest charges on late credit card payments.

7. START INVESTING
Making people think they have to be millionaires in order to get into the investment game is one of the most effective tricks Wall Street has ever pulled. But that’s jut what it is: a trick. Anyone can invest, and it doesn’t require a huge amount of disposable income. You’ll have to take some time to do your research on this one, but trust me, this is where you want to start directing your energy. A simple savings account is nice, and easy for everyone to wrap their minds around, but they yield pretty much no return at all. If you want to start building a legacy – or even just a comfortable retirement nest egg – investing is the way to go.

8. KEEP A MONEY JOURNAL
If you’ve ever gone on a diet and had to keep a food journal, where you write down everything you eat or drink each day, then you’re already familiar with this practice. A “money journal” is just like it sounds: a written list of everything you spend on a daily basis, be it cash, check, or charge. If you do this for just four weeks, I guarantee that certain spending patterns will emerge, and you’ll be able to step back and take note of just how much money you’re devoting to things like lattes, movies, and snacks throughout the day. It all adds up pretty fast.

9. DREAM BIG
It’s okay to have big dreams. We all do. That’s exactly how Empire started out: my mother and father’s dream. A lot of people think my only job at the company is running around and stopping different departments from spending too much money. And yes, that’s part of it, but the reality is, sometimes you have to take big steps if you’re going to grow. So if you’re fantasizing about owning a big house or traveling around the world someday, let that motivate you. Just stay focused on your goal every single day.

10. NEITHER A BORROWER OR A LENDER BE
William Shakespeare said it best: “Neither a borrower nor a lender be, for loan oft loses itself and friend.” Now, this doesn’t mean you should never help anyone in need (nor should you be too proud to ask for help if you really need it), but it’s a situation you should strive to avoid. It’s usually a no-win situation for everybody involved.

Settled (Chris Evans x Reader)

Originally posted by skywalkersleia-archive

Prompt: As Victoria realises how little time she has to set her plan in motion, she meets an old enemy who reminds her how fragile it is. 

A/N: AKA Part 5 of ‘Sugar’. Also Sebastian is there. Because why not? When I was writing this, I imagined him kind of like modern day Jefferson, so you can all have that wonderful mental image. 

Tagged: @ijustwanttobepartofyourworld @wiener-soldier-seb @kylorens-lightside @chrisevanshh @coldplaylover2009 @always-an-evans-addict @bucky–b4rnes @shamvictoria11 @ladyfreakish @weekendatbuckys @hid-dle-ston @tatortot2701 @blue1928 @osbournenou @trashymctrashface @demonicmeatball @chipmunkchick @musicalninja @dniebr @sugardaddychris

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I Hate You (Part 21)

Ryan Sitkowski x reader

Warnings: Language



“Do you think she wants me to match her dress or something?” Ryan asks nervously, watching as Devin thoroughly went through his closet, discarding most of his clothes onto the bed, wrinkling his nose at a few and actually tossing them towards the waste basket. “Cuz, like, I don’t even own a tie —.”

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I’d like to revisit a twitterfic I wrote back in May about Moderately Well Off Businessman Derek Hale, who walks by the same set of panhandlers every day because he always gets focused on the stresses of his job and forgets to try a different route. 

He’s had a soft heart since he was a kid; he always rescued wounded baby animals in the forest and tried to patch them up, much to his mother’s dismay. So he can’t say NO when the lady on the corner tells him she can’t feed her twelve children and the man next to her hears the exchange, sees Derek pulling out cash, and counters with his fifteen children. It seems like a lot, but Derek came from a pretty big family - all the dozen plus kids constantly running around the Hale property might not have been his mom’s, but they were related to him and a part of his childhood that he misses.

That nostalgia - it’s lonely in the city, so far away from the Hale House in woodsy Beacon Hills - leads him to pull more bills out of his wallet, asking the kids’ names and listening politely to the man’s stories. It also leads to others in the area catching wind of his generosity and taking advantage of it. Some are much younger, so they don’t have kids of their own, but they inevitably have ailing parents or grandparents or aunts, or younger siblings back home who can’t even afford to eat cereal. The mere thought of that twists something up inside of Derek, and he passes over an extra few bills and tells them to buy something sugary and fun, too, like Lucky Charms. 

Time passes, and all these devoted, destitute families are steadily draining his pocketbook. To be entirely honest, Derek’s starting to get a little antsy about it, but he can’t stop now…not when they all rely on him, and gosh, he doesn’t lead a terribly lavish life, so he doesn’t really need all this money. It’s what he keeps telling himself every time he hesitates while reaching into his battered old bag, which Laura had given him when he’d moved to the city. “For all your important papers,” she’d said, looking as teary-eyed as his mom, which had made him feel awkward and sad until she’d punched him on the shoulder and everything shifted back to normal.

He talks to her, still; he talks to all his family, and sometimes he wonders why he’s staying here, earning a paycheck he doesn’t care that much about. He doesn’t talk about that during the calls, though, or about the emptiness he has to tamp down each time he hangs up. He’s got a decent life, as things go, and he sees his family on holidays, and so what if he doesn’t really have time to date? He has other interests. There’s no reason for him to feel lonely. 

Enter Stiles.

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ok so i have seen ‘you want to stay away from credit cards’ in a few posts lately and all you youngin’s are about to benefit from my age and expertise (i am in the real estate/finance industry) bc i wish someone had told me this when i was a lot younger. credit cards are NOT BAD and are in fact VERY USEFUL FOR ESTABLISHING GOOD CREDIT, which is super important (read: required) if you want to:

  • buy a house at any time in the future
  • buy a car
  • take out any kind of loan with an interest rate that won’t slaughter you (with the exception of federal loans, which have fixed interest rates at the time of application nationwide and tend not to be based on an individual’s credit)
  • signing an extended agreement for cable/security systems/a handful of other services
  • your insurance rates will go way down
  • some leases will require it
  • lots of other stuff

it’s really important to establish your credit EARLY. here are some things that factor into your credit that you should think about:

  • what is your debt to income ratio (how much do you owe vs how much you make)
  • gross debt (total amount you owe)
  • how many hard credit score checks you’ve had (a ‘formal’ check is a ‘hard’ check. something like creditreport.com is not a formal check and is a ‘soft’ check. you can have as many of those as you want) (this is not a huge factor but it is a factor)
  • length of time since last new line of credit/debt (right after you take out a loan to buy a car, your credit score will go down a few points. making on-time payments will make it go up.)
  • total number of on-time payments***
  • number of lines of credit*** (each source of debt is one)
  • duration of credit history***

***these three are not only HUGE parts of your credit history, they are the ones that are SUPER EASY to control, and the reason why you should not be afraid of credit cards.

esp for people who go to university, you’ll start to get credit card offers in the mail about when you start turning 18, saying you’ve been pre-approved for a card. find one with the following characteristics and apply for it:

  • no annual fee (you don’t actually have to Pay to own the card)
  • 0% interest rate the first year is p typical and doesn’t really matter
  • some kind of rewards like percent cash back or miles or whatever
  • read the fine print for some kind of language that says that the card will not start charging interest if the last bill was paid in full. THIS IS SUPER IMPORTANT bc what it means is that as long as you pay off the credit card on time, you will not owe any interest. because of this, as long as you pay off the bill as soon as it’s due, you’ll never generate debt from the card

take this card and use it for small, routine purchases. do you go out to eat a lot and usually pay with cash? that student loan payment you have that you usually just take right out of your bank account? a new pair of shoes that you’ve saved up enough money for? pay with your credit card, then pay off the bill right away. make sure not to buy anything that you can’t pay with cash Right Now, and always pay your bills on time. in as little as a year, you can get a credit score in the 700s, which will get you the best interest rates, p much sails you past any loan officer checks when you want to take a loan, and plus you can brag about having kickass credit when most people don’t have any.

while i’m at it, there’s a cool app called mint that helps you manage your money. it’s never too early.

a small disclaimer that you should definitely talk to someone you trust re: money issues because while i am in the industry i’m definitely speaking as general advice and not specific to any one person. also this is USA specific. sorry everyone else, i don’t pretend to know how your financial systems work.

anonymous asked:

It may be none of my business but how do you afford to go on a road trip for 8 months. Seriously I mean even with a good job, With all these expenses I'd have to save for years before I can even think about doing something like that. So how do you do it??? You say you save up to travel but you've been traveling a lot and you still have bills at home so how do you mange to pay your bills and still save enough money to travel so often. Not even people with big salaries can do that.

Good question! Get ready for a long answer. lol. :) First off, I want to clarify a couple of things. 1. Most of the trips I go on are for work. The other two big trips Ryan and I go on a year are funded by us saving all year, looking for deals, and researching. 2. I am going on this road trip as part of Trades of Hope’s national tour, meaning I will be working remotely and speaking at 31 different locations. So this is for work and is not just a ‘fun’ trip (though it will be so fun!). Working remotely and being paid while traveling can be a great way to make money and have fun experiences too. Who says they have to be two separate things?

Okay! On to the other stuff. :) Honestly, it has really surprised me how inexpensive it can be to travel. It is all about your values and where you put your money on a daily basis. Social media and instagram paint this picture that travel has to be expensive….and truly it does not have to be. 

You can make $25,000 a year (an income that is considered small for two people in modern America) and afford to comfortably travel the country for 8 months. The only hard catch to it is that you just have to find ways to make money on the road, which I am blessed to be able to do.

To travel a lot even while living at home, Ryan and I have made choices that lead to the things we love. For instance, we don’t have any car payments, I don’t have credit card debt, and I don’t spend my money on things I feel don’t get me toward my permanent goal. So I do not spend money on nor do I personally value cars, extra clothes, cable tv, overly expensive phone bills, eating out, a great apartment, or expensive accessories. I skip out on things like cable, I shop at goodwill, I drive a beat up old car (darn those brakes), I choose not to drive my car very often to save gas, I could afford a much bigger apartment and yet I choose to live in a very small apartment. These are things I am willing to compromise on in order to allow my larger goal to be travel and experiences. Put your money only where your values are.

Some simple figures:

Our apartment is $300 less a month than the average apartment in Jacksonville. That is $3600 a year. You’ve got a pretty good chunk of money there you can use for an international trip…and we used that to go to Spain.

Cable is about $100 a month. That is $1200 for a year. That is another really great chunk of money that you could use for an in-country trip…and we used ours to go toward our Washington trip. (We also find ways to save even when we travel too, such as staying with friends, camping out instead of staying in hotels, buying plane tickets at cheap times of the year.)

Let’s use your phone bill as another example. You can get unlimited talk and text on a cheap phone for $25 a month, while many are spending $60-$80 on their phone with data (and the iphone cost too, of course). Ryan chooses to have a cheap phone and we use my phone for data, so he saves about $600 a year on that…..which can be used for various weekend trips, camping trips, and other fun experiences.

There are so many other awesome ways to save money….but you have to understand where your priorities are. What personally makes your life full? It is not bad if you find that you truly value a nice car or spending more money on clothes or going out to eat. There is absolutely nothing wrong with that. But you must pick a couple things you value or your money will be spread thin between too many things. 

Onto the U.S. trip we are taking. With $25,000 a year for two, one could afford all of the expenses needed to go on a roadtrip for 8 months without dipping into extra savings. Now… If you value having Anthropologie clothing and living in the swankiest RV and having cable tv and staying at wealthy RV resorts, you may not be able to go on a 8 month road trip. But if you value the road trip and can cut costs other places, than you can make it work. 

It does takes a job that can be done remotely…but that is the only catch.  (start a photography business. 13 wedding shoots year with no other extra shoots and at the average cost of $2000 a wedding would get you to $25,000. Or you could start a website design company, a graphic design job, or maybe even get someone to train you on how to create apps! Or do a combination of some.) And if you don’t have that kind of job or want it, then just save in other places and take a couple trips a year instead. For me personally, I am not looking to live a fancy lifestyle or have a lot of money……that does not interest me……I am looking for experiences that add value and fullness and relationship to my life. And on an average (and even relatively small) income, I can do that. :)

I recommend reading ‘The Four Hour Work Week.” It’s a great book that give so much advice for how to set priorities, have amazing experiences off of little money, and set your life up so you can work remotely and have the freedom that comes with it. I assure you, it is possible. It takes some research and some re-distributing of the finances in your life, but it can be done! :)

Hope that helps! <3

*Nothing in the above post is meant to offend or come off as arrogant, but I have learned so much in the past few years about this and I really desire to help other people my age make choices that lead to freedom and amazing experiences. I really just want to help. <3 

4

COMMISSIONS POST!

In case my handwriting is super illegible (it is), my price guide is as follows:

SKETCH

  • Head - $10
  • Half Body - $20
  • Full Body - $30

COLOR

  • 1 Character, Full Body - $45
  • No BG/One color BG - Free
  • Simple BG (as seen in Garnet and Anthro OC pieces) - +$5
  • Semi-detailed BG (as seen in Mabel/Bill Cipher piece) - +$30
  • Full BG (as seen in mermaid piece) - +$50
  • +1 Additional Character - +$15 each

(no other sizes besides full body available in color at this time, sorry)

TO CLAIM A COMMISSION SLOT:

PLEASE DO NOT SEND ME A TUMBLR MESSAGE OR ASK! I try to check messages as often as I can, but we all know how much the message system on here can be flawed at times.
Email me at coryoungart@gmail.com with the subject line “COMMISSION: [First and Last Name of the name that will APPEAR ON THE PAYPAL STATEMENT] [(Preferred name in parentheses if you have one)]”
In the body of the email, include your name, the best way you can be reached, state which of the above list you will be commissioning for, then describe what you want in the commission as well as any special requests. (e.g. write “Happy birthday, Sarah!”, etc)
I will send you a confirmation email with the full price that you will be charged. Once you have confirmed that you accept the charge, I will send you an invoice. As soon as the invoice is paid, I will start your commission!

I only accept Paypal and Venmo as forms of payment at this time, sorry!

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Between Heaven & Hell: Part 10

Fic Update!

Summary: A Hook/Emma angel and demon AU, she is the light and he is the darkness, they can’t be together but can’t stay away from each other. Can a demon be saved, or will the angel fall from grace?

(A note about this chapter, I posted a sneak peak a few days ago that doesn’t actually appear yet. That scene got pushed into the next chapter due to the length of this one)

Read this chapter on ff.net

Read this chapter on AO3

                                                Part Ten

The man was slumped down in his seat, fidgeting and not meeting the boss’s eyes. His tailored suit was obviously expensive but it was a wrinkled mess and his shirt collar hung open, the white fabric stained dark with the sweat that also beaded on his forehead and plastered his thinning hair to his head. He reeked of BO, booze and stale cigarette smoke and Will tried not to let his nose wrinkle in disgust when he caught a whiff of the rank stench. The man was a customer of the Jolly Roger and he’d been on a hell of a bender, showing up right when the club opened three nights in a row and not leaving until dawn the next day but by the looks of things - the party was about to come to an end.

Mr. Jones sat behind his desk, as cool as a cucumber while he ignored the squirming customer and focused on whatever he was looking at on his computer. Finally, he reached for the stack of credit and debit cards sitting on his desk and started dealing them out in front of him like a hand of poker.

“Rejected. Maxed out. Rejected, rejected, you reported this one stolen, maxed out.”

The last card was dropped on the desk and the boss leaned back in his chair, giving the customer a hard look that Will was surprised didn’t make him piss himself right there and then.

“Mr. Preston,” the boss continued, “you have racked up a considerable bill in my establishment that you clearly are incapable of paying. Bottle service. Cuban cigars. So much cocaine that it’s a wonder your nose hasn’t fallen off yet. Lap dances. Group lap dances. Private shows, you really like to watch, don’t you? Did you think all that was free? That the girls were fawning over you because they actually liked you? Everything you ordered on and off the menu had a price.”

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More Random Life Advice (or I kinda feel like there are too many bull shit messages being sent out to the general public)

Under the cut in case you want to scroll past. These are some hard learned lessons from my first two years as an adult.

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