#i didnt realize i had so many thoughts about this

[dreams-of-klag]

A lot of people see credit cards as either a sort of casual loan or as sort of like gambling-- a scary scary nightmare debt machine that you shouldn't touch. And yes, they can be a scary nightmare debt machine if you use it like a loan, but when you use it right, a credit card can be really useful.

Just to note, i am not an expert, just a 28 year old with ADHD who has been using a credit card without incident for six years. So here are my tips for how to use a credit card without screwing yourself over!

It is not a loan card. Do not. DO NOT. DO NOT purchase things on a credit card that you could not purchase on a debit card. "But my paycheck is coming next week" NO. "But I can pay it off over a few months" ABSOLUTELY NO. You don't know whats going to happen between now and then or over those few months. If something comes up and you need to spend your paycheck on something other than your credit card payment and you're stuck with that debt on there, it will start piling up interest and that shit adds up FAST. This is a cycle you do not want to get stuck in. Pay your card off IN FULL EVERY MONTH. I am not joking. Pay it off. In full. Every month. Don't spend money you don't have.

Set up an autopay for the minimum monthly payment. I have my bank automatically pay the $25 minimum every month. This way even if i forget to pay the full bill exactly on time, I wont get hit with a fee for not paying the minimum.

Your credit limit is not money that you have. The credit limit is the maximum amount of money that a credit card will let you spend in one month. In theory, it is the amount of money that the bank trusts you to be able to pay back. In practice, it is a way for a bank to entice you into spending irresponsibly so that they can charge you more interest. When i got my first credit card at 22, they gave me a $10,000 credit limit because BANKS DO NOT CARE IF YOU LIVE OR DIE. To be clear, if i spent $10,000 on my credit card today, i would spend the rest of my life paying off that balance and the accrued interest. Your credit limit has no relationship to reality. Do not spend money that you don't have.

Dont wait to the end of the month to pay your bill. Pay it whenever you think of it. Hell, I sometimes send four payments in a month. Most credit card companies make it easy enough to check the balance on their app, so whenever i think of it, I'll check my credit card balance, then go to my bank account app, and pay whatever the amount was. It does mean i need to have other ways of tracking monthly expenses because i dont get one clean total at the end of the month, but it just eases my mind to know i wont miss a deadline or completely miss paying it.

Just get one. People go out and get like seven credit cards. This can work for people who really game the rewards system, and if thats you, more power to you. Sometimes it can be beneficial to have one separate card that you use for online purchases, but i do not feel the need to do this.

Ok so given all of this, why use a credit card in the first place instead of a debit card? There is nothing wrong with using a debit card if it works for you. I just get nervous having something with a direct link to my bank account just out and about in the world, so a credit card gives me some level of protection there. Also, the really big evil banks that host credit cards have really robust security, so if a suspicious charge comes up, they're really good about detecting it and reimbursing.

Rewards points! I forgot about my cashback rewards for a hot minute anthey piled up! i just ordered $120 boots and used my cashback so i only had to pay $2. If i were spending on a debit card, that would just be money I'm not getting.

We all have to live in this bitch of a system, and truly the only way to survive is to know how the game works (not that I do). This is not to say that everyone should go out and get credit cards. If you struggle with impulse control or compulsive spending then this is not for you.

TLDR: Credit cards ARE inherently evil and WILL try to scam you out of your money, but if you know how to use it and follow its stupid rules, you get free boots and your checking account will be less likely to be compromised.

[hecatialapis-lazuli]

i feel like I've talked about this before but I wish blazblue dipped more into the horror of the situation. Whether you wanna go cosmic or existential both kind of work, though I guess the theme is a bit more despair than horror? Those two feel like they marry together pretty well.

Like. Think of CS. You have Noel, becoming what she always was, something inhuman. Literally screaming and crying after having the truth of the world and the PFDs revealed to her. You have Ragna, also learning the truth, and that he has tried so, so many times and failed every single time. You have Terumi, relishing in the hopelessness that should cause, yet being just as stuck as everyone else, and painfully aware that if he wants out of this hell, he has to claw his way out.

Idk, I just think there's a lot of stuff in blazblue that lends really well to horror. There's already themes about loss of autonomy, just play a little more into that, emphasize the helplessness before the Master Unit, and then the satisfaction of finally being free.

Hell, the Master Unit/Origin still is sympathetic in this interpretation. She's suffering, she's not doing anything out of malice, she just wants to be a person. Not even the Origin is immune to the horror of being a thing, strung up to watch and desperately try for another ending this time. This time, it'll work.

[ywpd-translations]

Ride 739: The training camp's fourth day!!

Pag 1

1: Training camp of Sohoku High School's racing team...

2: fourth and last day, 10:18 in the morning

3: Here it comes, Rokudai!!

4: Yeah!! Teh, Kinaka-kun

Pag 2

1: The training camp fourth and last day!!

The total distance we've ran so far is....

Pag 3

2: Here we go!!

5: 800km!!

Pag 4

1: We still have 200km to go until we reach 1000km!!

2: Teeh.....!! We've ran so much, teh

3: That's right, we already went beyond what I said at first, the distance from “Aomori”

4: “Aomori”!

It's still 10:30 in the morning, so if we keep going like this we can run the remaining 200km that are required!!

We can!!

Yeah!!

Pag 5

1: My legs are all sore

2: I'm trembling all over, teh

3: The Aomori thing, when we first came here

4: 700km!!

I thought it would be impossible

5: When on the first day, the senpai created such a gap between us, I resigned myself and thought that it really was impossible

6: But then, on that day's evening, you had that idea, Kinaka-kun

8: We worked so hard starting from the morning, we closed the gap, and ran until here

Pag 6

1: Being “buddies” really was our “breakthorugh”, teh!!

2: Breakthrough...!!

3: ??

4: Right!!

Teh...!!

5: Somehow, when I think about seeing the “goal”

6: I feel a surge of power, teh!!

Ohh...

7: Yeah, nice Rokudai, that's good!!

8: We've survived so far, so let's run through the end!!

Pag 7

2: Pfui

Yeah....

Let's do... our best and.... run....

5: Huh, where's my bottle?

Teh

Pag 8

3: Rokudaiii!!

6: Oooooogh

Pag 9

3: Ah....

Kinaka....kun? Huh.... I... fell.... and my bo.... ttle?

4: Rokudaii!!

5: So-sorry

You- you saved me, because you're my “buddy”!!

Pag 10

1: Because I'm your friend

3: Because you're my precious and reliable friend!!

4: Don't fall

Pag 11

1: Don't fall yet!!

2: There's still a chance

3: A small one

4: We can't know until the end of this last day of this training camp

Our

5: target

Pag 12

1: is to go together to the Inter High!!

Yeah!!

Pag 13

2: Ohh, they got back up, those first years

They ran 800km, so I thought their pace would drop for 2 or 3 laps

3: and that they would lose momentum like that

5: There are two ways of winning a road race

Pag 14

1: The first way is enduring determinedly, following without giving up in any situation

2: So that you survive and become the last man standing

4: And the other way is attacking yourself, actively passing and leaving behind your opponents

5: showing your strength and taking the victory....!!

6: They're both “victories”, that doesn't change

But the one who brings you more praises and admiration

Pag 15

1: It's the latter, Issa!!

2: That's right, Danchiku!!

3: First year Omihata, my jersey

Yessir!!

4: The heat resistance training ends here!!

5: Kaburagi-san.... he took off his long-sleeved jersey....!!

That means he's gotten serious!!

6: Let's go with with Full Spec, Danchiku!!

Now that our bodies are ready, we'll definitely do our “human sacrifice”....

Pag 16

1: We'll defeat Sugimoto-san and go to the Inter High!!

Of course, Issa!!

Pag 17

3: Let's catch him, Danchiku!!

4: So you're here

Pag 18

1: You two!!

2: We've come to give back to you that “you allowed us to train with you”!! Sugimoto-san!!

Pag 19

2: Danchiku has already mastered the new bike he's riding, and he doesn't stagger anymore

Thanks to you, he's now in perfect condition!! Perfect!!

3: Yeah

Pag 20

1: I'm just next to you and yet I can feel your pressure enough!!

3: Sugimoto-san, sorry but I'm gonna defeat you in one blow

4: I won't let you beat me in one blow

Pag 21

1: Is that your “expectations”? Or your “hope”?

2: Yeah.... for now

3: I'll also take off my arms warmer!!

4: Sugimoto took off his arms warmer!!

5: If you come at me seriously....

Pag 22

1: It's only polite of me to get serious too!!

Pag 23

3: Sugimoto himself hit their handles!!

Even though usually his play-style is to avoid rough play and contact!!

4: You're in high spirits....!!

5: Not as much as you!! Danchiku!!

Pag 24

1: Honestly, I'm surprised that you're going all out like this.... you're worth defeating!!

2: I'll let you train with me one more time, Danchiku!!

Pag 25

2: Ah crap, they've started already!!

The last battle

3: of the fourth and last day of this training camp!!

4: Danchiku-kun!! Sugimoto-kun!!

Pag 26

1: I'll pull now, teh, Kinaka-kun

Yeah, thank you, Rokudai!!

2: Please....

3: No....

4: I'm beaten....

Even though I've finally... cut the 200km left point...

5: That moment.... I overdid it a little....

6: My legs hurt.....

[virtuangel]

the complete eri guidebook (2023) full version under the cut ♡ pdf ver. happy birthday @xiaojuun !! <3

credits. with the help of: meg (@hozierbyrne) // brina (@aquablues) // aléks (@possession1981) // vianey (@souladies) // lili (@ninqz) // aweks (@awek-s) // miha (@jaebeomtual) // rachel (@gnanii) // mare (@dongkwan) // ro (@sunghanbin) // rosie (@kimjiwoong) // lulu (@fushigojos) // sofi (@yukuz) graphics: gift boxes // broccoli // orange fruit watercolor // lip print textures // notion-style scribbles // healthcare vector icons // human anatomy icons // film cutouts pack // 3d travel icons // drinks vector icon set // coffee outline illustration pack // baby vector icon pack

[hecksupremechips]

God every day I think about Akane’s breakdown in door 3 because there really is no correct way to interpret that and every possibility makes me crazy. Like she sees this fucked up corpse whom Junpei (and the player, depending on how they play) believes is their friend Snake, but she knows that it’s Guy X. It’s a man she very intentionally put in the game for this very purpose, so that he could die horrifically and be displayed for everyone to see. And she has a full mental breakdown over being trapped in this room with the corpse, being trapped by Junpei, to the point where she rips out her hair and starts bleeding from how much she bangs on the door screaming to get out. And fuck, there’s so many possibilities like

Akane could be feeling genuine terror over the sight of the body, and with that remorse. She made this happen, she wanted this to happen, and now she’s forced to quite literally watch the damage she’s caused unfold. She can detach herself from his murder easily in other timelines where she doesn’t have to look at it, and she can sleep easy knowing that her hands are technically clean because she didn’t do the literal killing. But she can’t do that here, and she has to face the fact that not only did she happily cause this death, she failed her mission. She isn’t going to survive, and now this man is dead for nothing and everything is her fault

On the other hand, her entire breakdown could be completely fabricated in order to keep playing the role of the damsel in distress who is so innocent that the very sight of blood drives her to insanity. The interesting part about this is that if she could fake such a horrific breakdown, just how much of her personality a facade? We know she wants revenge, for everyone from Cradle to feel even an ounce of the pain she and so many others went through, but we don’t get to see the extent of how much she feels this way. We never hear directly from Akane about her feelings on any of the original organizers, just her note about her desire to punish them. She hates them, but does she see their deaths as a necessary evil, or does she feel joy and satisfaction at watching them go? It’s absolutely horrifying not knowing, not being able to see her true feelings, not knowing just how real or fake she is, the extent of her madness. Perhaps she doesn’t even know that herself

IN OTHER WORDS, it’s fucked

[spheciform]

Me waking up another day to wring any emotional throughline out of the splatoon 2 singleplayer campaign possible

[thebigqueer]

unrelated to that rb but im thinking about it and i dont think piper liking jason was ever a forced heteronormativity thing i think she genuinely liked him

[crescentfool]

with the year coming to a close, i hope that anyone who's reflecting about how the year went remembers to be kind and fair to themselves with how you evaluate the year as a whole.

i think there are definitely times when life throws things that are... Not So Great at you. whether if it's some external circumstance that surprised you, or maybe your mentality wasn't at it's best. i wish for anyone who's encountered those kinds of challenges to be able to triumph over them and be able to say that they got through it.

heck, it might still be a work in progress even though you've kept chipping away at it, and that's ok! the results will show themselves eventually as you work through it! and i hope that we can all remember to be patient with ourselves as we go through these processes (learning, healing, etc.), because damn, it can be frustrating when you feel like you're "not there yet."

knowing that life can be rough at times, i think it's unfair to yourself (and others) to discount and downplay any progress you've made this year- whether if it's something that you did for the first time, or maybe you came to a new understanding and insight that you didn't have in the previous year.

it's not to say that you should undermine the validity of your experience with hardship, but to take the time to remind yourself what makes life worth living. to recall what moments were the most satisfying to you- and use it to strengthen your resolve for the next year and beyond. no amount of hardship will ever take away from the fact that you deserve to have hope that things will get better.

i hope that looking back on the year, you don't leave out the things you cherish. that you can remember the good that came this year. whether if the small victories are things like meeting someone new, trying something out for the first time, or making some strides in a long-term project/obligation...!

i wish everyone a happy new year! may it be prosperous, and that your life can move in a direction that's close to what you want out of life. you're all going to do great! remember to congratulate yourself for what you did well! despite everything, you're still here, and that's wonderful. never forget that!

[arolesbianism]

Thinking abt Sif Odile duo looping au again and I wanna be able to plot everything out more coherently but act 5 eternally looms overhead and boy I do not wanna look up

[storywestistrash]

my obsessions will be a blessing 90% of the time but then the other 5% i will be sitting at a party listening to 4 conversations at once sweating like a pig and upon hearing one of the present kids scream for too long my brain will say "frank would see how youre not only bad with kids but also dont like them all that much and it would give him another reason to dislike you" like okay. okay brother that was so not needed rn

[bisexuallsokka]

I need to know which 1989 vault songs you consider divorced zukka coded

heehee this is a test right? because the answer is, of course, all of them to some extent. never doubt my ability to divorcedzukkaify anything that has ever been written.

-"slut!" is from zuko's pov... "everyone wants him, that was my crime / the wrong place at the right time / and i break down, then he's pullin me in / in a world of boys he's a gentleman" is of course about sokka

but! don't forget the lines "lovelorn and nobody knows" (their whole relationship was a secret) "love thorns all over this rose / i'll pay the price you won't" the divorce of it all...

that's for later though. for now, they have the bridge, where they both know it's a huge risk but they are taking it anyway "you're not sayin you're in love with me but you're going to half awake takin your chance, it's a big mistake i said, 'It might blow up in your pretty face' i'm not sayin, 'do it anyway' (do it anyway) but you're going to" LIKE HELLO.....sad

-say don't go.........do i even need to say anything. no. but i will anyway. overall this song is from zuko's pov and i mentioned this last week but even though sokka is the one who is leaving, the chorus could be applied to zuko's pov by thinking of it as zuko internally begging sokka to say don't go when they're in the middle of a huge argument and zuko is getting called away for fire lord business. also the bridge makes me crazy because every time i listen to it my mind plays the high definition emotionally intense amv made from shots that only exist in my mind of sokka rejecting zuko's proposal. phew!

-now that we don't talk...sokka's pov! "remind myself the way you faded til I left...i cannot bе your friend, so i pay the price of what i lost and what it cost..." HELLO. also "what do you tell your friends we shared dinners, long weekends with?" WELL! "truth is, I can't pretend it's platonic, it's just ended" and the outro is more of sokka thinking well now that we don't talk i don't have to get sucked into the mess that is the fire nation political atmosphere i don't have to suck up to anyone or pretend that i like this life because i don't and i never did!

-suburban legends "when you hold me, it holds me together and you kiss me in a way that's gonna screw me up forever" SHUT UP!!! are you joking. they were born to be suburban legends they were born to change the world to fix the world and then return home but whoops it's not that easy...."I know that you still remember we were born to be national treasures when you told me we'd get back together" bruh

"i broke my own heart cause you were too polite to do it" ...this is what sokka tells himself but really he breaks his own heart because he thinks it's going to fall apart anyway so he might as well have some control over it right! but also zuko is too polite to do it, even when things were obviously crashing down between them he didn't want to let go of this he didn't want to stop trying nothing would ever make him give up on him and sokka. teehee.

-is it over now? i mean. was it over then? and is it over now? hint: it was never truly over and they will each have moments where they try and move on but it never ever works out or gets far because they will always be hung up on each other....anyway. "i think about jumpin off of very tall somethings just to see you come running and say the one thing i've been wanting, but no" wow and of course "if she's got blue eyes, I will surmise that you'll probably date her him" 😵

[lunarr-stuff]

...

[mbat]

realized i never posted this from october lol

[woolydemon]

one of my fav things abt shaggy from Scooby Doo is that he is a skilled ventriloquist. He's really good at throwing his voice to make other things sound like they're talking, and also he has a talking dog that's unrelated to that

[zeynatura]

.

[opiumvampire]

i hated junie b jones i thought she was so stupid and annoying she made me want to slam my head into the wall and the thought of her made me carsick once.