#balance on a credit card work

[tiarasnteakettles]

Time for a little controversy.

One thing I'm starting to realize is not everyone is like me. Not everyone reads a post fully for context, or pays attention to when and what and where. Most people don't assume that they don't know the entire picture when reading things online.

Worse still, sometimes they don't do these things simply because they would rather believe you're a bad person in some way.

I realize now that no matter how hard I work to be transparent, to show receipts, to prove I am not spending my money on dumb things. No matter how much I try to present as this perfect poor person who never takes a day off nor ever spends an unnecessary dime, people just don't care.

They will barely scan over your posts and make their negative assumptions because they WANT to. They don't care enough to read. To check other posts. To pay attention or investigate something. Or hell, to just ask. They are dedicated to viewing you as wrong, bad, lazy, or stupid and they don't want to make any effort to correct it.

The eureka moment here is that I'm tired of being a victim. I'm tired of being disrespected.

You think Patreon is just me sitting on my ass and begging for handouts while refusing to work a REAL job?

Fine.

You think I spend all my money on dumb shit and that's why I can't pay my bills?

Fine.

You think there's nothing wrong with me and I'm a fraud who doesn't want to work?

Fine.

I realize now that no matter how hard I try, there are still going to be people who don't care enough to understand a situation. They just don't.

If I do the things they think I do, they will hate me.

If I am the most frugal person you know, they will still hate me.

Nothing I do matters because these people will always think the worst of me anyways, so fuck it!!

I'm not staying home wallowing and wishing I was allowed to have nice things for myself anymore. I am no longer going to abstain so these people have no criticism. I'm getting criticized all the same.

So sure Jan, I'm always going to cons constantly.

I'm always taking vacations and buying things I don't need.

Whatever! Make that shit up and then choke on the turds.

Anyways, I'm not cancelling my trip. Fuck it. --

And just to be crass here's the fuckin link to chip in on my trip (if you want)

[birdadjacent]

The guy who stole my car (the first time, not the second) last year has his trial coming up soon and the DA's office keeps sending me these letters trying to get me to make a statement about how this has emotionally/financially affected me.

But somehow they don't appreciate me writing back to say "what am I, a cop? My anti-carceral ethics don't suddenly leave my body when I'm the one being inconvenienced," which is essentially what I did with the first letter they sent 🙄

[hauntedwoman]

did not think me getting a job would actually help my mental health but here we are

[autistic-shaiapouf]

Got myself a second pair of wireless earbuds bc I deserve a little treat and also lost the first pair a month ago

[scrawlingwithstyle]

So for my Personal Finance class, we had to figure out if "Pokémon Trainer" is a viable career option (using someone else's research, thank god), and it turns out that you'd be working at a 76% deficit.

Meaning unless Ash has a ton of money squirreled away at the beginning of his journey, by the time he makes it to the Indigo League Championships, he's already 1,174,550 Pokémon dollars (about $4578.43 USD) in debt.

So it's not really a career, and more like a rich kid's hobby, since you'd need about 1,500,000 Pokémon dollars (at minimum) to make it through 15 months of training, and you only earn about 325,450 if you win literally every battle you enter.

[charlietheepicwriter7]

Despite Danny's best efforts, no matter how much time past, Amity Park refused to see Phantom as a hero.

Sure, there were pockets of support, particularly among teens, but most of the town blames Phantom for the property damage, saying if he didn't fight the ghosts then it wouldn't be so bad, to that time he got mind controlled by Freakshow and "attacked" the mayor. It wears him down. It wears Tucker and Sam down. Jazz can only try to support them all.

Then one day, a member of the Justice League visits. Someone minor, and kinda a jerk... maybe a Wonder Twin? Zan? Whatever. They don't investigate; they don't look deeper. They listen to the town folks and declare the ghost hunters, Red Huntress and the Fentons, to be the official heroes of the town.

Worse? Danny Phantom is officially considered a villain to the Justice League. Tuck hacks into the Watchtower and confirms that they have a file (a heavily inaccurate file) about how to defeat Phantom.

Danny doesn't think he can do this anymore.

A few weeks later, a young villain escapes into Amity and demands (begs) that Danny help them escape from the hero after them. No idea who, I can't find a lot of info on teen villains in DC, so let's fudge some ages and make it Kyd Wyckyd from the Teen Titans cartoon. Danny agrees, because to hell with the Justice Losers, and they defeat the hero, becoming friends in the process. Kyd confesses that they became a villain after being ostracized bc of how they look, and they've been trying to avoid villain organizations because HIVE was abusive, but it's really hard to be a villain alone bc of all the heroes.

Sam gets an idea. Tucker agrees with the idea. Jazz is just happy they'll end up making friends.

The next day, the Teen Villain Alliance is formed, ready to assist with any teenage illegal shenanigans their allies might get into.

Some notes:

It's created to be a healthier option for teen "villains" to connect with others and support each other.

It's more important that this is for Teens rather than Villains. They're tired of adult villains taking advantage of them. The TVA would rather ally with a teen vigilante than with an adult villain.

Again, no idea who the teen villains are, but Klarion is definitely here. He leaves the Light for the chaos of the TVA. Maybe Ember is there too?

Timeline wise, this is around when Tim is still Robin, but Damien has arrived at Wayne Manor.

This is because, when it comes time to try to infiltrate the TVA, they'll have a convenient child-assassin who has none of the monitors of a teen hero that Phantom immediately picks up on.

Damien, who at this point has been abandoned by his mother, dismissed and scolded by his father, and has had no success at carving his own place in the family, jumps at the chance. He is then surrounded by peers who don't insult him or try to change his behavior (too much; jazz is trying to help him find healthier methods of expressing himself). He... might not want to continue being a spy.

Danny, Sam, Tuck, and Jazz are the founding members.

Danny reinvents himself as the High Prince of the Infinite, Prince Phantom Dark. He got kingship from fighting Pariah Dark, but since he's still alive, he's only a prince. He steals the last name Dark as an intimidation tatic against those in the know; only Danny would have the balls to claim family with Pariah.

Sam works as a powerless villain, but she might no be powerless? Either way, Danny gives her a bunch of repurposed Fenton tech, and she buys the rest with her parents credit card. She does NOT care if that's traced back to the Mansons. She would choose something goth, maybe something spider related or even bat?

I love Pharaoh Tucker, so I think he should get magic powers? Since pharaohs of old were considered the balance between the real and the divine. He's still a tech guy, now he's a tech and magic guy.

Jazz isn't really a villain, more of a team mom who's planning on using everyone's psyche's as her thesis paper. You know what, that's her callsign, she's Psyche. Sometimes she flirts with Nightwing.

[carriedreamerxx]

Ahhh apartment hunting.

My favorite way to pass an afternoon

Well at least my books and art supplies and all the small shit that was in my bookshelves are still packed cause like I had any time to unpack em after the latest shit show.

Time to research.

[narutomaki]

they should invent an adhd med that makes me rich as well

[wewontbesleeping]

ok it’s so annoying when places don’t take certain cards so you get all the way through and then they’re like ohhh you have American Express? absolutely not

[apocalypse-friend]

I believe it when my parents say they think I'm smart but at the same time it doesn't stop them from treating me like a three year old that knows nothing about anything

[fatehbaz]

Good question:

In the United States, many jails and prisons can and will charge you money for every single night that you spend imprisoned, for the entire duration of your incarceration, as if you were being billed for staying at a hotel. Even if you are incarcerated for years. Adding up to tens of thousands of dollars. What happens when you’re released?

In response to this:

---

So.

You’re getting charged, like, ten dollars every time you even submit a request form to possibly be seen by a doctor or dentist.

You’re getting charged maybe five dollars for ten minutes on the phone.

Any time a friend or family tries to send you like five dollars so that you can buy some toothpaste or lotion, or maybe a snack from the commissary since you’re diabetic and the “meals” have left you malnourished, maybe half of that money gets taken as a “service fee” by the corporate contractor that the prison uses to manage your pre-paid debit card. So you’re already losing money every day just by being there.

What happens if you can’t pay?

In some places, after serving just a couple of years for drugs charges, almost 20 years after being released, the state can still hunt you down for over $80,000 that you “owe” as if it were a per-night room-and-board accommodations charge, like this recent highly-publicized case in Connecticut:

Excerpt:

Two decades after her release from prison, [TB] feels she is still being punished. When her mother died two years ago, the state of Connecticut put a lien on the Stamford home she and her siblings inherited. It said she owed $83,762 to cover the cost of her 2 1/2 year imprisonment for drug crimes. [...] “I’m about to be homeless,” said [TB], 58, who in March [2022] became the lead plaintiff in a lawsuit challenging the state law that charges prisoners $249 a day for the cost of their incarceration. [...] All but two states have so-called “pay-to-stay” laws that make prisoners pay for their time behind bars [...]. Critics say it’s an unfair second penalty that hinders rehabilitation by putting former inmates in debt for life. Efforts have been underway in some places to scale back or eliminate such policies. Two states — Illinois and New Hampshire — have repealed their laws since 2019. [...] Pay-to-stay laws were put into place in many areas during the tough-on-crime era of the 1980s and ’90s, said Brittany Friedman, an assistant professor of sociology at University of Southern California who is leading a study of the practice. [...] Connecticut used to collect prison debt by attaching an automatic lien to every inmate, claiming half of any financial windfall they might receive for up to 20 years after they are released from prison [...].

Text by: Pat Eaton-Robb. “At $249 per day, prison stays leave ex-inmates deep in debt.” AP News / The Associated Press. 27 August 2022.

---

---

Look at this:

To help her son, Cindy started depositing between $50 to $100 a week into Matthew’s account, money he could use to buy food from the prison commissary, such as packaged ramen noodles, cookies, or peanut butter and jelly to make sandwiches. Cindy said sending that money wasn’t necessarily an expense she could afford. “No one can,” she said. So far in the past month, she estimates she sent Matthew close to $300. But in reality, he only received half of that amount. The balance goes straight to the prison to pay off the $1,000 in “rent” that the prison charged Matthew for his prior incarceration. [...] A PA Post examination of six county budgets (Crawford, Dauphin, Lebanon, Lehigh, Venango and Indiana) showed that those counties’ prisons have collected more than $15 million from inmates — almost half is for daily room and board fees that are meant to cover at least a portion of the costs with housing and food. Prisoners who don’t work are still expected to pay. If they don’t, their bills are sent to collections agencies, which can report the debts to credit bureaus. [...] Between 2014 and 2017, the Indiana County Prison — which has an average inmate population of 87 people — collected nearly $3 million from its prisoners. In the past five years, Lebanon’s jail collected just over $2 million in housing and processing fees.

Text by: Joseph Darius Jaafari. “Paying rent to your jailers: Inmates are billed millions of dollars for their stays in Pa. prisons.” WHYY (PBS). 10 December 2019. Originally published at PA Post.

---

Pay-to-stay, the practice of charging people to pay for their own jail or prison confinement, is being enforced unfairly by using criminal, civil and administrative law, according to a new Rutgers University-New Brunswick led study. The study [...] finds that charging pay-to-stay fees is triggered by criminal justice contact but possible due to the co-opting of civil and administrative institutions, like social service agencies and state treasuries that oversee benefits, which are outside the realm of criminal justice. “A person can be charged $20 to $80 a day for their incarceration,” said author Brittany Friedman, an assistant professor of sociology and a faculty affiliate of Rutgers' criminal justice program. “That per diem rate can lead to hundreds of thousands of dollars in fees when a person gets out of prison. To recoup fees, states use civil means such as lawsuits and wage garnishment against currently and formerly incarcerated people, and regularly use administrative means such as seizing employment pensions, tax refunds and public benefits to satisfy the debt.” [...] Civil penalties are enacted on family members if the defendant cannot pay and in states such as Florida, Nevada and Idaho can occur even after the original defendant is deceased. [...]

Text by: Megan Schumann. “States Unfairly Burdening Incarcerated People With “Pay-to-Stay” Fees.” Rutgers press release. 20 November 2020.

---

So, to pay for your own imprisonment, states can:

-- hunt you down for decades (track you down 20 years later, charge you tens of thousands of dollars, and take your house away)

-- put a lien on your vehicle, house

-- garnish your paycheck/wages

-- seize your tax refund

-- send collections agencies after you

-- take your public assistance benefits

-- sue you in civil court

-- take money from your family even after you’re dead

[imjustgoingtorantasec]

Lol anyone want to order me lunch?

[swampdrive]

Does anyone know, if CVS tend to sell uber giftcards?

[tocourtdisaster]

I just did the math and if republicans manage to completely block the student loan forgiveness, then I’ll only have to make 10 payments before I qualify for public service loan forgiveness. That’s about $1300 I’ll have to pay in before I can get my $19k remaining balance forgiven, instead of having my $19k forgiven by executive order.

[qwimblenorrisstan]

Lesson Learnt | John Price x Reader

Summary: Your good-for-nothing boyfriend won’t help you change out your flat tire in the cold, soaking rain, but luckily someone else comes along to assist, and teaches your boyfriend a lesson while he’s at it.

Word Count: ~ 1.6k

Warnings: annoying boyfriend, toxic relationship, platonic!gaz being a cutiepie, price being the greenest flag known to mankind, fem!reader, I’ve never changed a tire before in my life and it’s glaringly obvious…

A/N: been in a major writing slump lately+school kicking my butt+I think I’m getting sick, but full credit to @ceilidho for this idea, hope you enjoy<3

Requests are open!

Masterlist | Next

Your day hadn’t been the shittiest so far, but it certainly hadn’t been great.

You’d been off that day, but your boyfriend had called, needing you to pick him up early from his job for whatever reason. He only worked at some little restaurant in town with a decent salary, enough to get food and rent paid for combined with your money anyway. Something about his shifts being moved or the schedule being off, but whatever it had been had been enough for you to hop into his truck, drive over to him, and pick him up.

“Did you cook for dinner tonight?”

He asked from the passenger seat, the seatbelt not even on, despite it already being dark because of the early winter months, and the rain coming down against the windshield. Your lights were on, but still.

“No, wasn’t thinkin’ about it.”

You replied with a small mumble, and he sighed. You were the one who cooked and kept the housework up, and he earned most of the money. It would be balanced, except for the fact that you earned almost the same amount of money as him, and also worked full-time. It barely left any time for meals, most just being pre-prepped on weekends, or thrown together.

“Guess we can just get takeout then.”

He said, tone holding a bit of disappointment. You sighed inwardly, turning your turn signal on as you went down the road to one of the nearest places there. It was a run-down chicken joint that you were pretty sure was a front for some sort of illegal activities, but they had delicious chicken at cheap prices, so you weren’t complaining.

Your mind began to wander when you thought about the restaurant, and what you’d order. You hoped your boyfriend had brought his card because you’d left your wallet at home, ID and license long forgotten. Well, I guess you were just hoping to not get pulled over tonight, or come in contact with any cops.

As if whatever gods there were had heard your thought process, a small ‘thump’ caught your attention, and then a light squeaking sound as the air pressure in your front right tire began rapidly decreasing. With a sigh, you pulled over onto the side of the not-too-busy road. Your boyfriend gave an exasperated exhale.

“We’re gonna have to change the tire.”

You said, and he gave you a withering glance, jerking his chin towards the back of the truck.

“Spare’s in the back. Got a few tools back there to get ‘er done.”

A small pause for a moment as your hand reached for the handle of the door, and he didn’t move at all. You just stared in pure shock.

“You aren’t going to help?”

He gave you a look as if to say you were being ridiculous and illogical right now. You hated that look.

“I just got off work. I’m tired and hungry, and your poor driving skills aren’t my problem.”

He said with a shrug like it was obvious. Your mind still reeling, you searched for the little umbrella you kept near the console, only to find it missing. Great, just great, you thought.

With no other option, you stepped outside, immediately being pelted by the cold raindrops, and skin being lashed at by the harsh wind. You walked around to the trunk, opening the back, and finding the spare tire there, and a toolbox as well. Your shivering hands sorted through the cold metal tools, eventually finding a lug wrench, and a screwdriver, and behind the toolbox you found a jack.

You advanced towards the flat tire, rolling the spare behind you, and you knelt, skirt already soaking wet, your white shirt soaked through and not leaving much to the imagination as it was practically see-through and sticking to your form. The lug nuts didn’t come off easily, but somehow, your fingers got them.

Right when you began using the screwdriver to try and get the hubcap off, something else caught your attention.

Another car, beat up, but well-loved on and taken care of pulled up behind you on the side of the road. It stopped, and two men stepped out. One was taller, with a beard, a thick cigar in his mouth, and a hat on. He might’ve been one of the owners of that chicken restaurant. Whatever it was, he looked familiar. The other man had pretty brown skin, was less tall but still had some muscle in him like the other man, and wore his hat.

The taller one strode up to you just as you managed to pry the hubcap off. His brows furrowed as he looked at your boyfriend sitting in the car, and you, drenched in rain, changing the flat tire of the truck he assumed probably wasn’t even yours.

“Gaz, come help ‘er out wit’ this.”

He said, his voice brusque but also warm at the same time. Realizing he hadn’t introduced himself yet, he gave a nod of his head to you.

“John Price, that there is Kyle, but we call ‘im Gaz.”

You blinked, and Kyle walked over, crouching down next to you and offering a polite smile. One that didn’t quite meet his eyes, but it wasn’t rude. Price must’ve noticed your shivering form or the sheer white shirt that was clear because of the rain because he took his brown jacket off and put it around your shoulders. The insides were fuzzy and warm, and it was oversized, but enough to keep the heat insulated and the wet cold out. A bit surprised, you simply said your name.

“Oh..thanks. Y/N.”

You offered, for some reason trusting these strangers enough to give them your real name. Something about them felt right. Price nodded, then raised a brow at your boyfriend in the car, who still hadn’t noticed them, too preoccupied with his phone.

“What’s a pretty birdie like you doin’ changin’ wheels out here?”

John asked, and you weren’t sure what overcame you, but you cast a glance up at the boy in the car.

“He wasn’t going to help.”

Gaz and Price both looked slightly taken aback by that, exchanging glances, as Price opened up the door where your boyfriend was (avoiding hitting you or his sergeant's heads with it, of course) and pulled him out by the collar.

“Hey—what-“

Price shut him up real quick, then moved to hold him by the scruff of his neck.

“Now you listen here, why’ve you got your girl ou’ here doing all this work in the soakin’ rain, when you should be the one doing this, yeah?”

He asked, and your boyfriend turned a light shade of pink that wasn’t fully visible in the dark of the night.

“Well, I..”

“I’ll show you how a real man provides for his partner. Garrick, move over.”

He shoved your boyfriend back into the grass, and Gaz scooted more to the right, letting Price take the left side. Price carefully grabbed you by the hips and moved you back, out of the way, but to where you could still watch and hear him talk.

“Can’t believe it, ‘at’s ridiculous.”

He muttered, and Kyle shook his head.

“Can’t help but agree, sir.”

They used the jack to jack the car up, strong arms easily placing the spare tire in place, Gaz holding it up while Price screwed the lugnuts back on. While putting the hubcap back on, John began talking to you.

“You oughta find you a man, someone that would provide for you, that lil’ boy you got isn’t it. We’d never treat a woman like that, now would we, Gaz?”

“Never, sir.”

“Look at ‘im, two complete strangers are here, changing out his tire, and he ain’t offered a lick o’ help.”

He said, shaking his head, not even glancing back at your boyfriend who still was sitting in the grass behind you all. The hubcap was put back into place, and they both stood, lowering the jack before removing it. Price offered you a hand up, and you took it, surprisingly enjoying how his burly callouses felt against your soft skin. Kyle put the tools and jack back in the trunk, before again being at Price’s side.

His eyes met Kyle’s, and Kyle took out a small notepad and pen, scribbling something down, before passing it to John who did the same. They tore the paper off, handing it to you. It was their numbers, Gas’s having a little smiley face next to it, and Price’s having a simple ‘Call me’.

“If you’re ever in trouble, give us a ring.”

Price said, and Gaz nodded as if to confirm this. You took the piece of paper and folded it in half, putting it in your pocket to protect it from the rain. Price gave you a little pat on the back, and Gaz brushed his hand ever so slightly against yours, before they both walked back to their car, getting in, and driving off with nothing more than a wave.

With a judgemental look down at your boyfriend, you got into the car, throwing his things that were still inside out at him where he was still sitting in the grass.

“We’re done.”

And with that, you drove off before his angry cussing started.

It was only when you got home that night (to the shared apartment, which you would very soon be leaving) that you noticed something. Price hadn’t ever taken his jacket back.

[a-b-riddle]

Not to make yall sad, but I was so stressed over paying the remaining balance on the wedding and I had a panic attack.

I’ve just been paying it on my own up until this point, never asking for help and my fiancé paid for half of the venue. But all the little details and stuff, I handled.

Today it reached a peak, looking at the remaining balance, knowing I’m going to have to live with the bare essentials and eat at work or put it on my credit card (which sent me into a panic attack)

So I called him (I wasn’t home) and told him that I’m just so overwhelmed and idk how I’m gonna do it.

And he just says “you tell me what need I need to pay”. When I argued it was too much he argued back that he has savings. He has a credit card.

I cried. Feeling like a failure for having to ask him for help. I hate asking for money. When my dad blocked my mom, I had to ask for child support anytime I saw him which ended up making me feel like such a burden.

Now I’m marrying a man who just says “tell me what you need, tell me what I need to do” and he just does it. When I went to explain the cost breakdown and why we needed what, he stopped me. Told me I don’t need to justify it. He doesn’t need to know what it’s for.

I have always had a hard time asking for help. Allowing myself to drown before asking for any help. And when at the mention of feeling overwhelmed, I have a partner who is all in.

I know it’s stupid not feeling able to ask my fiancé for financial contribution for our wedding but I have this mindset of “I picked out the DJ I pay for it” or “I wanted it so I gotta pay for it.” It’s silly but I had a dad who I felt so pressured by giving child support I would go over expenses for school supplies, clothes or other necessities.

I am so fucking blessed that my kids will never have that dad.