So a lot of you on here are teens and might be getting ready to be out on your own. Here are some things I learned the hard way or that are just good to know.
Never smoke or quit if you are currently. The cost of addictive smoking is more than half your groceries a month AND the bodily cost will surprise you.
Drink water. Yeah okay I know this one sucks but water is much much cheaper than soda, trust me. Your skin will thank you.
Send thank you cards. Don’t have any? Get the cheap ones and send those. It doesn’t matter how nice they are, the fact that you sent a thank you card matters. Send it for gifts, people calling you to check on you, those adults who helped you move, and even people who interview you.
Withhold 1. Okay so speaking of jobs, on your forms (US) where you are trying to figure out your tax withholding, put one. Yourself. It’s an easy way to make sure you don’t owe $2,000 in April and you still get a pretty decent check.
No pets. If you don’t have a pet now, don’t get one. It’s super hard to get an apartment that will let you have a pet when you are first starting out. Wait until you are a bit older and can afford to rent more than a one bedroom apartment.
Insurance. You’re young, so why do you need life insurance? Because that’s the best time to get it. Yeah, it’s a dumb expense to pay right now, but if you get it early, you can afford it. The longer you wait, the more expensive it is. Car insurance is going to be high for a few years, but it will drop around 22 and 25 years old. Health insurance usually comes through your job and please don’t ignore it. Renter’s insurance is usually pretty cheap and it covers you if there is a fire or natural disaster and you have to go back home to mom.
Off brand. This goes for food, clothing, makeup, and cleaning supplies and just about anything else you can think of. For food, Aldi’s is your best friend. I can go fill up a cart of just food and it will cost maybe $70. the same amount of food at Walmart is easily over $150. You can of course be picky, but try to get the majority of your food off brand. Hygiene products too. Goodwill is great for clothes, but plan a trip. Save like 60 bucks and drive near a big city where the rich people live. Go to the goodwill there. You can basically get an all new wardrobe for pennies on the dollar. Makeup is tricky. It can be really really expensive but you don’t really have to buy all of it name brand. Pick whats most important to you. I prefer eye shadows and lipsticks name brand and I deal with everything else from the drugstore. With he right techniques, you can make it look expensive. As for cleaning, I always use dollar tree stuff minus my laundry detergent because of allergies. Bleach, stain spray, and vinegar are gonna be your best friends,.
Car. Okay so yeah, that brand new car is nice and sure, maybe you can afford it. For now. Disaster will strike. Something will come up and bam, you’re stuck choosing if you want to walk everywhere or eat. Try getting a slightly used car, such as one of the ones they let people test drive a lot or a car that has previously been leased. Just as nice and much MUCH cheaper. And I have gotten THREE cars with no down payment so don’t let them tell you you can’t. But it is nice to put it down,even $100.
Negotiate. Don’t be afraid to haggle with people. Yeah it’s intimidating but it’s 10 minutes of your life versus hundreds of dollars a year. What can you negotiate? Almost anything. Car payment. Rent. Insurance. Hospital bills. Even due dates for the bills you can’t negotiate on. Also, if something comes up where you have to skip a payment on something, call them. Give them like $25 and explain your situation. Ask if your payment date can be moved with the $25 as a goodwill promise to pay the rest later. It works. They would rather move your date than send you to collections.
Collectors. Okay so this one is tricky. If you have fallen behind and owe a collector, don’t fret. I do too, even as I write this. Owing a collector means that the original service has been paid (health bills, credit card ect) and you are now paying the people who paid your bill. (I know it’s confusing) however, they will usually want the entirety of what they paid for you in 6 months. Meaning if they just paid a bill for you that was $3,000, they are gonna ask for $500 a month. That’s rent. That’s crazy. Tell them outright what you can afford and don’t lie about it either. If you can afford $100, tell them that. If you can afford $50, tell them that. If you can’t afford to pay them anything when they call you, let them know when you can. If you can’t afford it when you told them you could, don’t answer your phone to a number you don’t know. I know that sounds horrible but if you are renting an apartment, renting a car, and literally own nothing, they can’t do much to you. Just pay when you can and try to maybe pick up some extra shifts at work to make a payment. I have been dodging collectors for about three years. I owe I think three right now. I pay ONE of them a month, but it’s a large payment to keep them quiet for a while. I do not suggest this for you, I am just letting you know what I do.
Credit Cards. Okay, the big one. Many adults will tell you to never ever get a credit card and that’s just not feasible in this world. However, it can be addicting to be able to go to Walmart when you are negative in your bank account and get that $10 movie. I mean, it’s just 10 bucks right? WRONG. It will build up fast and soon the one credit card you have will be maxed. So you have to get another for emergencies. And another. And so on. So here’s my advice; Get a credit card through the same bank as your checking and tell them to put a limit on it and not let it raise. Then lock that sucker away and forget you have it until a real emergency comes up like a flat tire, short on money for groceries, or that collector that hasn’t been paid in 4 months. You can make it on one credit card if you are strict with your money, which I am sure you don’t have a lot of.
Budget. Speaking of money, write out a budget for yourself. Don’t know how? Here’s the easiest way. Most people get paid bi-weekly so here’s how to do it. Make two columns, Check 1 and Check 2. If you have a full time job you know about how much your checks are going to be so put the amount at the top of each column. Now that hard part - figure out what is due when. Is something due June 1st? Take it out of check 2 (end of May). Is something due May 14? Take it out of check 1 (beginning of May). That main thought process behind your budget is that you want to have the money for a bill set aside before it’s due. Paying a bill a few days early is a great way to make a good financial reputation for yourself and for some things even build credit. Now if you get paid bi-weekly, you will sometimes have a month where you get 3 checks. DON’T BLOW IT. Put it right back into your budget as Check 1 and keep the flow going. If you prepay bills, like your car or your rent or your credit card, and stay a month a head of those big ones, you may need that wiggle room later. If your car, for instance, is paid ahead 1 month, you can use the car money you would normally pay that month for maybe some extra groceries or some small emergency without using your credit card and you won’t even fall behind! You’ll just be back to owing every month instead of being ahead. It’s like a savings account without the temptation to blow the money.
Simplicity. Enjoy simple things. A gym is expensive, go for a walk instead. Cable is expensive, pay for internet. Phones are expensive, get on a family plan (there is no shame in staying on your parent’s plan, just pay your share). Food is expensive, enjoy leftovers. Movies are expensive, go early and resist any snacks. Shopping is expensive, go to the mall and spend all day trying on cute clothes and taking selfes in the dressing room (makes you feel like a million bucks sometimes!). Time is expensive because you don’t have a lot of it so If you want to stay in bed all day on your day off, do it. If you want to binge on your day off, do it. If you want to just play board games with friends on a Saturday night with a few beers, do it. Simple fun is way better for your pocket and your anxiety.
Mental Health - speaking of anxiety, make sure you take care of your brain. Go outside, even if it means sitting on your steps. Wake up early, even for just an hour. Don’t burn yourself out at work or school because you will suffer the consequences. Make a schedule. If you have trouble with timekeeping, ask for help. If you feel you do have a real mental disorder, see if your employer has what’s called and EAP program (employee assistance program). They usually help you find a mental health provider and give you a few visits for free. This will help you narrow down what exactly you have and after you’re free visits are up you can see who is in your health insurance network that can provide you the mental care you need. if you are prescribed drugs, always get generic. If there is no generic, ask for an alternative. I will not lie to you, mental health is the hardest thing to treat. It took me 8 years and a lot of money to figure out the right medication cocktail for me and my bipolar/
(yes I have both). Turns out I only need two pills, and if I were to refill both of them right now, I wouldn’t even pay $10 thanks to my health insurance (which sucks but at least it’s there) and because I got generics. Also, talk therapy can be pricey but sometimes only a few sessions can change your life. I have literally only been to talk therapy 11 times in my life and that was to deal with PTSD, bipolar, schizophrenia, and suicidal tendencies. 11 sessions. That’s 11 hours. And yeah, I paid over $400 out of pocket for those collectively. But if I hadn’t I would probably be dead right now so it was worth it.
Connections. Calling your friends is awesome because sometimes, it’s free therapy. And okay, maybe you’re 19 and you still have a horrible relationship with your parents. It’s okay. I am 25 and I still have problems with my parents. My whole family actually. Social media is a kind of safety net for me because that’s where I can be myself. Find where you can be yourself, it will help you stay sane.
Clean. Sometimes when I feel crappy, I take a shower. I clean the living room. I do the dishes. I vacuum. I mop. I open the windows. I get the trash out of the house. Change into some clean clothes. Organize my desk. Clean out your closet and put all your unwanted clothes in bags to donate. Just a small amount of cleaning can make you feel like you accomplished something.
Hobbies. This one is a little hard too. It depends on your personality, your budget, and how much free time you have. Drawing , singing, and writing are free. Exercising can be free if you run or walk in the park. But most hobbies do actually cost money. Video games, playing an instrument, painting, sewing, cooking/baking, making things - those all cost money. Some of them lots of money. But you have to have a hobby outside of social network, sleeping, and working. It’s another thing to keep you sane and it’s just a good idea.
Toxic people. Do not be afraid to cut people out of your life that do nothing but make you feel bad about yourself or insult your life. This could mean breaking up with your partner, unfriending a person from your social circle, cutting out a whole circle of people, or even not talking to a relative(s). It’s not easy for some people but if they do not build you up, they will only tear you down.
Drink at home. Okay so this one might sound like a no brainer, but I’ll explain it anyway. Packs of beer and hard liquor bottles are cheaper than a pint and a shots at the bar. Bottles of wine are cheaper than a glass at a restaurant. It’s never okay to drive drunk or even after one bottle of beer. NEVER. Staying at home is cheaper all around and you can drink in your pajamas while watching Finding Nemo on loop. Or invite some friends over and create a drinking game out of a show, a game you already have, or just talk and drink.
Sleep. This one is so important. You need a good bed and a quiet, dark place to sleep. If you are scared of the dark, get a night light. Can’t sleep in silence? Get a fan. I have both of these and they help. You’re brain will feel tired if you ‘slept’ for 12 hours but only got 1 hour of REM. REM can really only happen every night if you are in a calm and dim environment. Quality of sleep will effect your eating habits, your emotional state, your mental stability, and your ability to make rational decisions among other things.
So these are obviously just a few things, but I feel they are important to share. Please feel free to add any and reblog it for those about to enter adulthood.
Corny Post but i remember like a year and a half ago i would literally never have posted selfies like these where u can actually see what my nose looks like bc i felt horrible abt it for not being conventionally attractive literally since i was in elementary school and i thought about getting plastic surgery all the time but yeah like. ive come a long way i guess also i look great in these pictures
It took me almost a year to read through the entire Sherlock Holmes series. Not because they were slow, but I knew that I wouldn’t enjoy them if I forced myself to read it all at once. Instead, I read a story or two (or one of the four novels) in between other books I wanted to read.
Rating: G for Gay but otherwise pretty mild if you watch any kind of television these days
Summary: “Chloe fills up all of the spaces inside her that she didn’t even know existed until Chloe was there.”
orrrrr the one where it takes a fake-engagement and being domestic as hell for these two idiots to realize they’re in love. Set two years after PP2 and mostly canon compliant. Title taken from Vance Joy’s “Mess is Mine”
“This stuff happened in an apartment I lived in the Lakeview neighborhood of Chicago, IL. I moved into this apartment, a typical Chicago four plus one, in Sept. 2003, and my husband (then-boyfriend) moved in Oct. 2003. We had 2 cats–a light orange tabby and a mostly-white calico (still have them, too!).
I had a few experiences at this apartment but what I’m sharing here is the first experience (and most terrifying). I have had other paranormal experiences since moving out of this apartment but none of them can hold a candle to this one. It took me 8 years to come to terms with this experience. I am a very logical person and for the longest time I was at a loss to explain this. But there’s one thing I know for sure–it absolutely happened.
In late summer/early fall 2004, I went to bed one night but as usual could not fall asleep quickly. Our cats normally went to bed with me but they didn’t on this night, so I sat up in bed, hoping I would see them and could call them to me. It was dark but not pitch dark because the apartment’s windows let in faint light. When I sat up, I focused my eyes on the hallway to see if I could spot the cats playing/running around. But as soon as I focused my eyes on the hallway, I realized there was a very dark black (the blackest black you can think of–blacker than black, even, like velveteen tar) mass just past where the very brief hallway ended and the dining area started. It was around 7 feet high, and had a rough head and shoulder/torso shape but the rest of it kind of faded off.
I wasn’t alarmed at first–if anything I leaned forward to try to get a better look, because I absolutely couldn’t believe my eyes. I was baffled! But when I leaned forward, the thing seemed to turn and look at me, and when it did, I saw two red eyes in the “head”. I did not see any other features and I don’t remember if the eyes were glowing or just plain red but they were indeed red (and this is the biggest reason it took me so long to come to terms with this experience–red eyes are supposed to be of horror movies and scary stories, not reality).
When the thing looked at me, my amazement/confusion was quickly replaced by fear. And then it swooped through the bedroom doorway and towards me. I did the only damn thing I could think of, and that was duck under the covers like a kid hiding from the boogeyman.
I was scared shitless…I have been in some scary situations in my life but that particular fear was primal and almost unearthly. After several moments I began to run out of air beneath the covers so I decided to elbow my sleeping husband in the ribs hard enough to irritate him and make him wake up/sit up/roll over/DO SOMETHING. It worked and when he didn’t react strangely I figured the thing was gone….and it was.
(I wasn’t able to get up to use the restroom in the middle of the night for weeks after this…I also made it a point to NOT look at the doorway if I did happen to wake up in the night.)
I–and later my husband–saw the shadow again but it never appeared remotely as threatening.”
Here lieth my Stony/Superhusbands/Superfamily feels via Spider-Man Homecoming because I have A LOT and I have to put them somewhere and I need HELP.
SPOILERS AND CAPSLOCK AHEAD.
• THE OPENING SCENE. Peter recording things and being hilarious and oh hey Cap, I see you’ve already made an appearance in this movie
• Peter being like “I get to keep the suit?” all adorable and Tony being all adorably dad like and their almost hug and I’m just like OH THANK GOD FOR YOU, PP because Tony needs people more than ever and especially ones that bring him JOY, fuck
• Oh Steve’s back AGAIN and he does all these school motivational videos and that made me so stupidly giddy, especially the “so your body is changing pun pun pun” oh and also he’s MAYBE a war criminal but not necessarily, hmm okay
• Tony on a fucking spirit quest lookalike and idk, I just imagine he was out there trying to get his head on right and find some peace after all the fighting and I’m all for it, good for you, baby
• Then came the first of many times I was almost brought to tears because TONY SOLD AVENGERS TOWER, noooooo. Is it too painful for him to be there now with all the memories or what because it’s too painful for me!
• WHICH REMINDS ME, Avengers took place in 2008? Cause it was like 8 YEARS LATER and I’m like uh no? More like 5? Or is my timeline all messed up? If it’s 8 then I’m more like STEVE AND TONY HAVE KNOWN EACH OTHER FOR THAT LONG?!? How much have we not seen?
• Tony calling Peter and praising him since he never got much praise punched me right in the tear ducts, followed by some very awesome day saving and parenting. That whole scene after the ferry. Peter feels so bad and just wanted Tony’s approval and he’s like “If you cared you’d be here” AND TONY WAS. Then, “If you died, that’d be on me.” Oh dear god. I need to go read Superfamily fic the second I’m done with this
• I’m sure I’m missing parts but onto the one that kinda just blew me away and moved the everloving shit out of me. Happy loading the last of the stuff on the plane… It was all gear for the old team of Avengers. And most especially standing out: Prototype for Cap’s new shield. I was like What?! All this time later… Tony is/was making a new shield for him? So many questions but also gives me such hope. I honestly can’t get into all my additional thoughts because this is already so long and I’m already on edge enough
BECAUSE DESPITE THE FUCKING GLORY THAT WAS THIS MOVIE
• The motherfucking surprise return of Pepper and their ENGAGEMENT? My mood and smile plummeted so fast and it kinda ruined the whole movie for me. Spider-Man and Tom are fucking great, and I laughed a lot, and I truly enjoyed the non-Tony parts as well, but jesus. Way to throw that at the audience at the literal last fucking second. Like okay, I know Stony will never be canon, but a girl can pretend! And that one little scene just trampled all over my head canons and made me very, very sad. I’ll just try to pretend it’s purely PR stuff and will provide lovely misunderstood angst in future fics
• At least Steve was there to cheer me up at the end, thank you sweet love
• PS. Was that Black Panther’s plane at the end flying away? Interesting. Very interesting.
Okay that’s enough for now. I’m probably forgetting stuff but honestly I can’t handle more than that. Thank you for listening, Tumblr. 😭😭