#avoid debt

[bitchesgetriches]

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick

The one weird trick is, of course, avoiding paying interest on your credit card debt. Which, unless you pay an annual fee for your credit card, basically means you’re getting a loan FOR FREE. You’re accessing a revolving line of credit, courtesy of the credit card company, without paying them a dime.

To veteran credit card deadbeats this is business as usual. So let us speak, for the nonce, to those who have yet to master the art of deadbeatery. Follow the steps in this one weird trick, my aspiring deadbeats, and you too shall be hated by your credit card company!

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[tmarshconnors]

The Rich Rule Over the Poor!

In today’s culture, debt is often viewed as a normal part of life. Whether it’s taking out student loans, financing a car, or relying on credit cards to cover expenses, many people are accustomed to borrowing money. But financial expert Dave Ramsey warns against this mindset, drawing from a biblical principle found in Proverbs 22:7: “The rich rule over the poor, and the borrower is servant to the lender.” For Ramsey, this verse serves as a profound warning about the dangers of debt and a call to pursue financial freedom.

Debt as Modern-Day Slavery

When discussing debt, Ramsey doesn’t mince words. He often refers to debt as a form of modern-day slavery. Just as a servant is bound to their master, someone in debt is bound to their lender. Each month, a portion of their hard-earned income is already spoken for—sent off to pay for past purchases, often with interest. This, according to Ramsey, is a form of bondage.

People in debt often lose their ability to make decisions based on what’s best for their future because their past borrowing controls their present and future income. As Ramsey puts it, being in debt means you’ve sold your freedom to the lender. The greater the debt, the less freedom you have to make choices that align with your goals and dreams. Instead, you’re working to satisfy the demands of the creditor.

The Stress and Anxiety of Borrowed Money

Debt isn’t just a financial burden; it’s also an emotional one. Ramsey frequently highlights the stress that debt can cause. The fear of missing a payment, the anxiety of mounting interest, and the constant juggling of bills can take a heavy toll on a person’s mental and emotional well-being. This stress doesn’t just stay confined to finances; it often spills over into relationships, health, and overall life satisfaction.

In fact, studies show that financial stress is one of the leading causes of marital conflict. When debt becomes overwhelming, it can lead to arguments, resentment, and even divorce. Ramsey is quick to point out that eliminating debt can significantly reduce stress and create a more peaceful home life.

Achieving Financial Independence

One of Ramsey’s core messages is that avoiding debt is key to achieving financial independence. When you live debt-free, your income is yours to control, rather than being obligated to a creditor. This financial freedom allows you to save, invest, and plan for the future in ways that aren’t possible when you’re tied down by debt.

Ramsey advocates for a lifestyle of living within your means, which is the opposite of the “buy now, pay later” mentality that’s so prevalent today. He encourages people to delay gratification, save for major purchases, and build an emergency fund to avoid going into debt when life’s unexpected expenses arise. By doing so, individuals can protect themselves from falling into the debt trap and remain in control of their financial future.

Biblical Wisdom for Modern Money Management

Dave Ramsey’s teachings are deeply rooted in biblical principles, and Proverbs 22:7 is one of the cornerstones of his philosophy. Ramsey believes that the Bible offers timeless wisdom on money management, and that following these teachings can lead to a more peaceful and prosperous life.

In addition to avoiding debt, Ramsey emphasizes other biblical principles like generosity, wise stewardship, and contentment. He believes that by applying these principles, individuals can achieve both financial peace and spiritual fulfillment. For Ramsey, financial success isn’t just about accumulating wealth—it’s about using money in a way that honors God and benefits others.

From Borrowing to Building Wealth

One of the most powerful shifts that can occur when you move from borrowing to building wealth is the change in mindset. Ramsey teaches that wealth-building begins once you stop borrowing money. When you’re not sending payments to creditors every month, you have the freedom to invest in your future.

This is where Ramsey’s famous Baby Steps come into play. He encourages people to start by building a small emergency fund, then aggressively paying off all their debt (except for their mortgage), and finally moving on to saving for the future and giving generously. These steps are designed to help people break free from debt and begin building lasting wealth.

Conclusion: Choosing Freedom Over Bondage

Proverbs 22:7 serves as a powerful reminder of the dangers of debt. Dave Ramsey’s teachings on this verse challenge the cultural norm that debt is inevitable or even desirable. Instead, Ramsey encourages us to choose financial freedom over financial bondage.

By avoiding debt, living within our means, and applying biblical principles to our finances, we can break free from the slavery of debt and achieve true financial independence. It’s not an easy journey, but as Ramsey often says, “If you live like no one else, later you can live like no one else.”

[majestyinfo]

https://majestyinfo.com/top-health-quotes-to-boost-your-wellness-and-keep-you-healthy/

[newwavenewsandentertainment]

How to Retire as a Millionaire: A Comprehensive Guide

[knightwhoisni]

the lyric "this obsession has turned into the great despair" is actually from the pov of my wallet after spending hundreds of dollars on warframe

[artsy-wolf]

⚠️Signal Boost⚠️

I’m in college and medical debt. I want to pay off mostly the college because it’s unforgiving. I made a gofundme. But I thought of something. To pay off the college debt in KO-FI donations. I WILL draw something each time someone donates and post it.

I will accept gofundme donations and draw for them too but…

Ko-Fi’s are $3. I figure. $3 easier for people to reach and hey if anyone wants to see some fun silly art, there ya go. :)

I’m not asking or forcing anyone to donate spreading this will be much appreciated too. Thank you for your time. 💚

[just-sp-in-inginthevoid]

Hello. I am wondering why you start liking Takeomi. He is the most hated character by the fandom and your choice of wet soggy cat is very unique. I want to listen your ramblings.

Oh anon, if only I knew

I'll try to remember how it happened, that much I think I got it.

So, when I first got into TR, my mind mostly focused on Mitsuya and the Shiba (mostly Taiju), so much so that I ended up writing a lot more than I thought I ever will on Taiju and explaining where his behavior comes from

Because it seems like a lot of people missed some important information. And by doing that I was able to show them details they had missed (prove that I was right in previous posts where I didn't justified myself and basically got called a liar by someone in the notes which incredibly pissed me off-) and, although that doesn't excuse what Taiju did, it does explain it and makes him more.. real? Maybe not relatable, but his domestic abuse didn't pop up out of nowhere and a lot of people know what intergenerational trauma can do so while still hating Taiju they could understand him better.

Then, having finished my Taiju analysis which also opened my eyes since I found more than what I initially thought about; I myself was able to understand him better and so I thought-

Why not do that with every hated characters in the fandom?

I don't quite recall if my (at the time, very slight) interest in Takeomi happened a bit before or at that time, but the reason why I focused on him before the others (which, uh, aren't a lot anyway) was because I saw stuffs written about him which I didn't really agree with? Like, yeah, he was flawed and raised his siblings badly - especially when next to Shinichiro who was (at least depicted as)(and try to be) good at it - but they were kinda amplifying things

I know that a lot of people relate to Sanzu, or just, love him, and since they saw things I haven't seen, I told myself 'well, let's investigate, then' and then I wrote about 17k words on Takeomi's psychology.

I literally walked myself into the Takeomi rabbit-hole (what a FUCKING mistake /positive)

Takeomi did neglect his siblings, and passive-aggressively verbally, or even emotionally, abused Sanzu and for most of the fandom, is not attractive (and, let's not lie, beauty is a redeeming quality for a lot of characters regardless of fandom. How many characters, no matter their faults, get forgiven by fans just because they're hot, uh?). So he sucks, yeah

You know what he did do? acknowledged his mistakes, apologized for them and would have started his redemption arc if Wakui had had the time for that when warping up the story

He made mistakes, he's flawed, he's human, he wasn't even supposed to be here because he only entered the delinquent world to keep following Shinichiro, his ego which was back then very weak and non-existent got inflated for either survival or because he received so many compliments he didn't know what to do with it if not both because he was a k i d.

Most of the characters in TR are kids or young adults when they commit things they shouldn't have done. And yes, you can hold them accountable for it but they didn't know better - they didn't have the tools to

Now, why do I like Takeomi.

First of all - the amount of flaws he has. Don't think I need to make the list, I think everyone's got it (although make sure to remember he's got an inferiority complex and it's most likely that he also has an imposter syndrome so he's just like me fr-). But even with that, he's never an antagonist. He does things wrong but he's on our side (he's just very deaf to anyone's opinion that doesn't fit his). He sucked at raising his siblings as a kid himself (before his superiority complex developed and during it too - albeit in different ways) but that's just.. realistic? Not that it takes away the seriousness of it and the consequences, but how else could it have been? The impact on Sanzu were disastrous (not that they were the only reason why Sanzu lost it), I understand that, I don't erase that nor deny it BUT THERE'S A REASON WHY TAKEOMI IS LIKE THIS, TOO. And if people blame Takeomi for his actions (which, again, fair.) then blame Sanzu for his!! he was willing to mass murder hundreds of people!!! including his sister!!! he killed a few people!! argh. But Sanzu got his tragic-backstory/childhood shown and has a design that appeals to most, so I guess it's harder to hold him accountable for the seriousness of his actions (I like Sanzu, don't get me wrong. But sometimes the hypocrisy of some fans makes me a tiny bit angry 🙃)

Anyway, reason 84123286 of why I need Takeomi's backstory. Bc, honestly, from what we know of him as a kid+his coping mechanisms as a teen/adult, it would make sense to me if one of the reason he was so hostile to Sanzu was because he saw himself in him and Didn't Like ItTM (for different reasons) (!!! Which would add nicely to Shinichiro seeing himself in Mikey!!! more sano-akashi parallels, lets goooooooo) Talking about the parallels between the two, the fact he's Shinichiro's narrative foil compels me lots. Takeomi is quite literally Shinichiro with a negative filter on. And how can he survived that? How can he cope with the fact that no matter how much he wants and tries to be Shinichiro he'd never succeed? He'd always be the pale copy, the wood statue covered with golden leaves that are peeling away with time next to the pure gold statue. The Teru Teru Bozu that fails to chase the rain away and is going to be decapitated for his ineptitude. He'd always be himself and that's what he hates the most. He'd always be compared to Shinichiro and there's nothing he can do about it. And he can't even be angry at Shinichiro. That's his best friend. He loves him. He has been the first to love him. He has been there before anyone else. He can't lose Shinichiro, Shinichiro gave him everything. Everything he cares about, he sees value of, at least. Immaculate.

I'll also die on the hill that he is competent. He himself has no idea on what but he is (he mixes everything. For him it'd go like this: he gets praised but he's done nothing, Shinichiro has done everything which means they praised him for what Shinichiro has done. Which means what Shinichiro do, he does too. Which means Shinichiro's achievements are his as well! right? He didn't do anything by himself, there's no need to praise him for something else.)(he's fully blind that strategically-speaking and in other brainy-brain domains he's competent af. Bc since it comes 'easily' to him - since he doesn't struggle much with it, or in contrary he struggles so much he cannot possibly be good at it, then there's nothing to praise. And like, for him what Shinichiro does deserve to be praised. What he himself does is just.. things he does so compliments feel shallow)(+Bonten strives as much as Bad Toman and Manila if not more, yet there's no Kisaki. Ofc there's still Koko so that helps, but Takeomi is new to the team and got recruited (at least that what Senju said) in Brahman for his ~wisdom~)

He's also the only character who was around before Shinichiro 1) became a big brother 2) became a delinquent and that has to mean something. They're the only ones left to remember how the other was before their life went to shit

In the final timeline, he looks so healthy. He made peace with himself, his relationship with his siblings is good, he made amends. He healed, they healed. His relationship with Shinichiro, Benkei and Wakasa is good too everything's great. He learnt to understand what he is competent in and focus on it; he's not Shinichiro, he'll never be and that's okay. He's him and what he is complete Shinichiro just as Shinichiro complete him – they take care of one another's flaws but can also know live independently from each other. Perhaps, perhaps Takeomi stopped being so dependent of him

Appearance-wise, I love dark hair+green eyes combo in general so it wasn't that hard (plus there are some godly fanarts out there)

And of course: despite his complexity, at the end of the day - he's really just a pathetic wet poor excuse of a man who can't do anything right and isn't that endearing

I'm slowly getting out of the denial-phase to enter my acceptance-phase when it comes to loving Takeomi. Liking things most people hate or are neutral about is smth I hate for Reasons but it also seems to always happen lolololol. Will try to talk more about Takeomi when it comes to my mind, in case ppl who also love him but don't want to make it known because of his bad reputation in the fandom saw my posts and feel a bit more okay and comfortable with loving him

[frizzyanya]

A life hack that I learned is that I don't live paycheck to paycheck, but I pretend I do to convince myself to stay careful with money.

In February my expenses were more than my income so I stole $1,500 from my savings. Now I have to pay back that loan with 4% interest (the rate it would have otherwise earned in the HYSA).

I treat it like a debt that is owed ASAP. I've stolen money from myself a few times in the last 2 years, but I have never defaulted on that debt and always paid it back within a few months.

[galaxyslime]

Wtf is in wellbutrin that makes everyone start stealing shit?? Everyone I've known who's taken it has developed pretty disastrous kleptomania, including my sister.

[new-kanon]

Hello! I am presently an unemployed queer person of Native & AAPI heritage. I had two unplanned ambulance trips to the emergency room & currently have no insurance. Please help in any way you can! Between a $4,654.40 & a $8,052.22 bill, I could use any and all financial assistance.

[promiseimnotacop]

it's about marxist theory of alienation, it's about chronic depression, it's about confronting the absurd, it's about the pysch ward, it's about dysphoria, it's about how HR is at best corporate reformism utilised to stiffle genuine organising, it's about grief, it's about the identity problem, it's about platos allegory of the cave, it's about brutalism, it's about solidarity, it's about isolation, it's about consent, it's about ego, it's about the protestant work ethic, it's about opting out, it's about mormonism, it's about the panopticon

[passengerpigeons]

becoming largely chill about most things. but i give myself permission to be mad about car infrastructure, car dependence, and cars flagrantly ignoring pedestrian right-of-way and generally endangering beings of flesh. because this is one of the few truly moral axis of this world

[chaosofshadow]

Is it unforgivable to compel or geas a loved one? Under what circumstances might it be okay?

It's not unforgivable, but it is dangerous. Think carefully before you proceed, and know that they may not forgive you.

[yoiku]

So I played through episode 12 yesterday and episode 13 today between my cleaning sprees and i only cried a little maybe dozen times through it all, so all I can say is that the main story continues to deliver. Wasn't very keen on the storytelling style of ep13 at first, but definitely warmed up to it along the way. Getting scenes from the wiewpoint and in the thoughts of so many characters in just one episode turned out to be pretty refreshing. I did feel a bit overwhelmed as well but i'll put that on me chewing through it all in one day. Sometimes I feel a bit worried that where is the main story going to go after a huge chunk of it comes to a conclusion, but at the same time... If the side stories have proved anything, its that there are so many things about the entire world and lore to explore. And I have to admit I'm still getting more curious about it all. if you told me 5 years ago that the story and universe in a gacha game(derogative) is going to be something i'm obsessing over, I would've been so pissed at you even suggesting that. Anyway, its a nice feeling to be so interested in something. I've lost interest in so many things and i feel like over the years its getting harder and harder for me to really get into something.

[girderednerve]

we have been watching star wars skeleton crew (no one be mean to me) which is very bad (obviously), but sadly i cannot stop watching it because it has an old republic mint in it. a mint! where they made the money! i have been complaining for like a decade that the money in star wars makes no sense (a man might have his preoccupations, mightn't he) & finally, a show which has heard my exhortations & decided to ruin my life about it by being willfully fucking dumb