#my loan expired and I had to wait to check it out again

[daisywords]

Well I finished The Hands of The Emperor, and well it was by no means a perfect read or my personal favorite ever, I did enjoy it immensely. My main takeaway is that more books should be allowed to be really long and character focused and about retirement-age adults and have a bajillion little subplots

[what-even-is-sleep]

Can’t wait for my drivers license to arrive so I can be driving legally again for the first time in 1.5 years!

[itsananteater]

2025 Book Bingo

I have decided to use @batmanisagatewaydrug's 2025 book bingo challenge to try to read a bunch of books I've been interested in, started reading and didn't finish, or have had on my 'read someday" list for, in some cases, literal years. The rest of the spaces I plan to fill with books from my local library as I find them, but I'm posting the part I have filled out already to motivate myself to finish things!

Literary Fiction: Mostly Dead Things by Kristin Arnett- Started this last year and didn't end up finishing it, I've been meaning to try it again after reading Arnett's second novel. If it's anything like With Teeth, I cannot wait to read about another lesbian's disastrous and impressively written personal life.

Short Story Collection: Orange World by Karen Russell- I read two of Russell's other short story collections years ago and want to check out her new one

Published in the Aughts and A Sequel: The Spirits of the Ancient Sands series by Anna Kashina- I found The Princess of Dhagabad (2000) as a teenager and eagerly awaited the release of the sequel advertised at the back of the book. This did not happen. I looked up the author some years later and found out that The Goddess of Dance had come out in 2012. I immediately planned to get a copy and reread the first book. John Mulaney voice: and then I didn't

Childhood Favorite: Jack on the Tracks by Jack Gantos- Huge favorite as a kid, I had the idea to see what my take on everything that happens in these books as an adult would be and now I'm doing it

20th Century Speculative Fiction: Sleep Donation by Karen Russell, subject to change- I saw this in my library's catalog while looking up the the short story collection and the "20th century" part of the bingo sheet simply fell straight out of my brain. Oops. I'll leave it on since I do want to get around to it but will see what else is on the shelf when I go get it

Fantasy: Witchmark by C. L. Polk- Another started but didn't finish

Published Before 1950: Anne of Green Gables by L. M. Montgomery-Look; Look. I've thought "I should check this out" about these books for much longer that I've known about the upcoming anime adaptation of them but if that's the kick in the pants that gets me to read them I'll take it

Independent Publisher: H.I.V.E. Book 9: Bloodline by Mark Walden- Another sequel to a series I started as a teenager and have not gotten around to. Bloodline was published in 2022 by Noodle Fuel, a company co founded by Walden himself alongside his wife, seven years after the previous book and fifteen after the first in the H.I.V.E. series

Set in a Country You Have Never Visited: Statistically Speaking by Debbie Johnson- Set in England. Currently reading, on the list so I finish before my loan expires

Science Fiction: Heavenly Tyrant by Xiran Jay Zhao

Memoir: The Midwife by Jennifer Worth-I walked past this at the library and thought about getting it so many times last year but never did

Nonfiction: Learn Something New: Dressing Up: Cultural Identity in Renaissance Europe by Ulinka Rublack- Someone recommended this in the comments on a Morgan Donner video I was watching on Youtube literally as I was putting together this list

Social Justice & Activism: Revolting Prostitutes: The Fight for Sex Workers’ Rights by Molly Smith, Juno Mac- A recommendation from Mr. Batman herself

Read and Make a Recipe: Stained Glass Snowflake Cookies, Box of Challenge Unsalted Butter- I just think it's neat when food packages have recipes on them

Horror: Camp Damascus by Chuck Tingle

Historical Fiction: The Widow Queen by Elżbieta Cherezińska, Maya Zakrzewska-Pim (Translator)- I got a free ebook copy of this from a Tor.com mailing list. Do not ask how long it has been since they stopped giving out free ebooks by mailing list

[kyetalksshit]

I'm actually so weirded out but struggling to figure out if this is an opportunity for me??

I've been so tuned in with my spirit team lately and was trying to get my car situation settled without a gap in having a car. I need to renew my license but in nc because it's a California license, and then get a new car from a dealership across the street from my job. I was then gonna let my car loan company repo their car. It was supposed to be nice and smooth right?

Well on Tuesday night I went to go visit my friend Jen for the first time in months, at her new apartment in high point. We did some INTENSE spellwork and I called in some favors, including the car situation.

And then on Wednesday, we left the apartment at 330pm so I could take her to work and head home (and renew my license the NEXT DAY on Thursday), but my car was just Gone.

It was a mess - I was simultaneously having a panic attack and feeling a bubble of calm in my gut. I was flabbergasted at the timing - right after successful spellwork (we checked in on the energies and everything went great so???) and the ONE DAY I was almost 3 hours from home. 😭 I thought it was stolen at first, filed a report, etc but found out on Thursday it was repossessed. How they found me I'm not sure, the insurance lady said sometimes they'll contract out tow trucks to just drive around and pick up whatever cars they can find on their roster so it may have been that. But again such crazy timing.

My friend Remi came and picked me up which almost made me cry lol and we ate at Jen's bar before heading home.

Anyway, I wasn't able to get my license renewed on Thursday because I couldn't get there until like 130pm after all the phone calls and stuff, and the dmv had no availability. So I'm going to go on Monday morning before work and pray to my gods that it works out.

I also asked for money, for my taxes to come back early so I don't have to wait until next Friday (my next paycheck), and straight up 10 minutes later it showed up in my bank account. My friend sent me $100 completely unprompted????? I cashed out $25 from a site that usually takes the full 5 business days and it was in my account in 30 minutes????

So as long as I get my license on Monday (because it's illegal to drive on an expired license and also I assumed you needed a VALID license to buy a car), the plan is to drive straight to the car lot across from work and pick up a car. There are a few there for $500 down and they don't check credit and repos are ok so it will work out. I've also heard good things about that place from the people at my job who have gotten cars with them.

But now my roommate?? Who is a used car dealer (with admittedly mixed reviews on Facebook marketplace at least) is so?? Frantic to help me??? He wants to find a car at an auction for like 2K for me, take the 500 down, and charge me 100 a week until it's paid off. And he keeps saying "you live with me, I'm not gonna sell you a car that doesn't run".

And I'm just so confused and conflicted because like. My team WOULD do something like this lmao but at the same time I cannot stand him??? He's a terrible roommate and keeps the place so disgusting that I bought a mini fridge and microwave so my "kitchen" is entirely in my room. I only go downstairs (where he is 24/7) to take my dog outside or to leave the house. He's loud, he's messy, he complains about tufts of my dog's hair building up over the course of a week but leaves literal garbage all over the floor and has been sleeping in the living room even though he has a bedroom with a whole bed?? I've slung some evil eye his way (mostly not on purpose but he's pissed me off countless times in just the 2 months I've been here, and the only times I've slung any on purpose it was to get him to take his company outside or to be quiet) and want to move out as soon as my car situation is settled. But also he doesn't want to charge me interest because apparently it's against his religion?? So it would be paid off in like 3 months-ish and then I wouldn't have to worry about a repo again? And it IS weirdly serendipitous that he owns a car dealership.

The problem is that my personal issues with him and disdain for seeing him at all means that I'd rather not have any ties to him and I immediately was like fuck no. But on the other hand it WOULD be a good deal honestly as long as the car was actually decent. So idfk man.

Time for divination I guess? I told him I need to talk to my parents about it but I've been soured against my parents for the moment tbh lol so what I really meant was "let me talk to my gods (two of who DO assume parental roles hahaha so ig it's not that far off) and my friends and my tarot cards" lol

[whentherewerebicycles]

i am not reblogging this post from OP (posted 2 days ago, with 4,400 notes and counting) because i know that often people are just making their own vent posts on their blogs and maybe don’t expect them to circulate widely outside of their small tumblr circle! and i don’t mean to like, jump on someone who is just commenting on something and then going on with their life. but i feel like i keep seeing versions of this sentiment on leftist twitter too and i really think it is a gross misrepresentation of the bill that passed earlier this month - which is due in part to social media’s intense focus on the “stimulus check” part of the bill. but the bill was not called “the stimulus check” act! it was called “The American Rescue Plan” and it was specifically geared towards providing desperately-needed relief to the American middle & working classes. the $1400 direct payments to individuals was just one small portion of the bill. here are the far more important parts:

in addition to receiving a $1400 direct payment themselves, individuals with children receive an additional $1400 check for each dependent

college students who are still listed as dependents on their parents’ tax forms (typically so they can retain health insurance benefits under the ACA) can more easily claim stimulus money - which is huge for college kids who may be helping to financially support immediate or extended family members

unemployment benefits have been extended from March 31, 2021 (their original expiration date) to September 6, 2021

unemployment benefits will be supplemented with a $300 weekly payment (ie $300 on top of what people are receiving from their state government)

unemployment benefits received in 2020-21 are tax-exempt (a retroactive change that means people who are unemployed won’t receive a surprise tax bill counting their unemployment money as “income”)

a substantial tax credit for employers who offer paid sick leave and paid family leave benefits (ie creating a direct incentive for employers to authorize emergency paid leave)

15% increase in food stamp benefits and extension of eligibility

child and family tax credit benefits!!!! this is the part that people are describing as one of the most significant anti-poverty initiatives in American history. families are eligible for a tax credit of $3600 for each child under the age of 6 and $3000 for each child between 6-18. people can also claim a child and dependent care credit with a maximum benefit of $4000 for one eligible dependent and up to $8000 for two or more. it also expands the earned income tax credit and lowers the age limit to 19. dems also pushed to get at least 50% of the tax credit money to people this year instead of making them wait for their 2021 tax return. this calculator allows you to calculate how much families will receive. if you make $50,000 a year and have four children, you will receive $13,200 through the child tax credit alone, paid out in monthly payments of $1,100 from July to December 2021 + an additional $6,600 lump-sum payment when you file your 2021 tax return early next year. there are also some additional dependent-related tax credits things that I don’t fully understand but that seem to indicate people are eligible for even more money.

forgiven student loan debt is made tax-free (a necessary prerequisite for future efforts to cancel/forgive student loan debt)

huge expansion of grant benefits to small businesses, including $28.6 billion specifically for bars and restaurants; $15 billion for low-interest, long-term replayment emergency disaster loans; and $7 billion more for the paycheck protection program (which can only be used on payroll expenses and makes it possible for small businesses to keep workers on payroll even if they are operating at lower capacity). you can describe this as “for the economy only” if you want, but I sure feel like it will alleviate a whole lot of human suffering by allowing people to keep their jobs & paychecks even if their workplaces remain partially shut down. my dad is a small business owner and has been able to keep his entire staff on payroll through the entire pandemic. the bill also includes billions for airlines and concert venues, which will again! means people won’t lose their jobs!! plus it allocates $175 million to fund a Community Navigator Program that reaches out to eligible businesses and helps guide them through the application process—ie making it possible for small businesses to actually take receive these benefits.

$350 billion to state, local, and tribal governments

$130 billion for K-12 schools to improve ventilation, reduce class sizes, purchase PPE for employees and students, and hire support staff; of this money, 20% must be dedicated to programs designed to counteract “learning loss” from students who missed school during the pandemic

$40 billion for colleges and universities, at least $20 billion of which must go to emergency grants to students (our university has been giving regular emergency grants throughout the pandemic to students to help cover rent, unexpected medical expenses, costs related to family emergencies or lost family income, tuition bills that they suddenly can’t pay, fees associated with wifi or purchasing tech equipment so they can learn virtually)

a HUGE amount of money four housing benefits!!!! i keep seeing people yelling about how $1400 won’t cover their rent but THAT’S WHAT THE RENTAL ASSISTANCE PROGRAMS ARE FOR. $21.6 billion in rent and utility assistance, paid directly to states and local governments so they can disburse it to eligible households!!! plus $5 billion to Section 8 housing (which “must go to those who are or were recently homeless, as well as individuals who are escaping from domestic violence, sexual assualt, or human trafficking”).

$5 billion to support state and local programs for homeless and at-risk individuals (can be used for rental assistance, homelessness prevention services, and counseling; can also be used to purchase properties that will be turned into permanent shelters or affordable housing for people who are homeless). plus an additional $120 for housing counseling.

$4.5 billion earmarked for a special assistance program that helps low-income households cover costs of heating and cooling and $500 million to cover water costs

$750 million in housing assistance for tribes and native Hawaiians (who are also eligible for other benefits through the rental assistance and direct tribal government grants described above)

and then BILLIONS of dollars to support FEMA, the Veterans Affairs’ healthcare system, the CDC, and state, local, and territorial public health departments for all things related to: COVID testing, contact tracing, vaccine production and distribution, vaccine outreach, PPE, and public health education. this includes (among many, MANY other things), $5.4 billion to the Indian Health Services (division of the Department of Health and Human Services that specifically provides health services to Native people and tribal territories), $200 million for nursing loan repayment programs, $80 million for mental health training, $3.5 billion in block grants specifically geared towards community mental health programs and substance abuse/prevention/treatment programs

$86 billion for a rescue package for pension funds (esp union-sponsored pension funds) that are on the verge of collapse - collectively covering 10.7 million workers.

billions of dollars for public transit programs (and sure, public transit is important to the economy, but access to regular, reliable, affordable, and safe public transit is HUGELY important to human health and well-being! it is how many people esp in urban areas access grocery stores, health care, their jobs, childcare facilities, etc.

$10.4 billion for agriculture, of which $5 billion is specifically earmarked for socially disadvantaged farmworkers. to quote wikipedia: “Experts identified the relief bill as the single most important piece of legislation for African-American framers since the Civil Rights Act of 1964.”

tons of money to fund 100% of premiums for COBRA (health insurance for people who have unexpectedly lost or had to leave their jobs) through October 2021. COBRA is hella expensive and experts estimate that 2.2 million people will need to enroll for COBRA benefits in 2021. there are also various provisions that expand Medicaid and the Children’s Health Insurance Program (a program targeted at uninsured children in families who don’t qualify for Medicaid but may not be able to afford adequate healthcare coverage. it also fixes some things with the ACA that could’ve led to people getting surprise bills due to fluctuating income or unexpected changes in employment status.

i am SO OVER the so-called ‘progressive’ rhetoric that no good can ever come from the government, or that all politicians (dems or republicans) are basically the same level of evil and incompetent, or that ~mutual aid~ (ie small payments made between individuals in a community) is the only thing we can count on or should count on in times of crisis. no!!!! fuck no!!!! like mutual aid is great but America is an INSANELY WEALTHY country and it is such bullshit to act like we can’t or shouldn’t expect our government to take care of the people who live here. and i am also just GRAHARRGHGHH at people who are completely disengaged from politics offering their jaded and hyper-cynical hot takes on things they don’t! actually! know! anything! about!!!!!!! and in the process making other people increasingly jaded and cynical about the possibility of electing a government that actually prioritizes the needs & well-being of its citizenry!!!

ugh i’m just TIRED of leftist political cynicism y’all especially when it comes from people who have absolutely no understanding of how much WORK it takes to make huge things like the American Rescue Act happen (work that includes not just the immediate negotiation of the bill but also the years of organizing & voter recruitment work it took to get a narrow democratic majority in the senate so that we could pass things like this!!!!). I’M DONE WITH BEING CYNICAL!!!! i feel, in a totally earnest and unjaded way, that it’s absolutely incredible that dems were able to write, negotiate, and pass this bill, and i feel so so so relieved to be currently living under an administration that is flawed in many ways but is at least actually and earnestly TRYING to reckon with unprecedented “suffering in an actual human scale” (to quote OP) and is even using this crisis as an opportunity to advance major anti-poverty initiatives that will have a LASTING IMPACT on actual human lives. as opposed to our previous administration, which was made up of thousands of people who woke up every single day and asked themselves “what can I do today to further dehumanize & inflict needless suffering upon millions of people?”

PHEW!!!! SORRY!!!! JUST HAVE A LOT OF FEELINGS I GUESS!!!!!!!!

[dipulb3]

How the pandemic has changed Americans' spending and saving habits

New Post has been published on https://appradab.com/how-the-pandemic-has-changed-americans-spending-and-saving-habits/

How the pandemic has changed Americans' spending and saving habits

Appradab Business asked readers how the pandemic has changed their spending and saving habits. Here’s what some of them had to say.

Paul Grim described himself and his wife, Michelle, as “more savers than spenders” before the pandemic struck.

Then Grim was laid off from his IT job. His wife, who is still working, has reduced her 401(k) contributions to free up some cash.

“We have been dipping into our emergency savings to cover our bills where unemployment falls short,” he said.

The couple, who live in upstate New York with their dog, Barley, are eating at home, minimizing impulse purchases and postponing pricey things like dental work.

“Once I am working again we intend to increase the amount of our emergency fund to ensure we are even more well-prepared for any potential future financial emergency, no matter how severe,” Grim said.

Jim Stearns of Alaska runs big events for nonprofits, including the state’s annual music festival Salmonfest. But his business dried up once large gatherings were canceled.

When he started collecting unemployment he was getting $800 a week, but that has since fallen to $200 a week, after the temporary $600 weekly federal supplement expired. Now he is tapping his savings to support himself and his teenage daughter.

“I’m spending very little as my savings slowly but surely diminishes by the day,” he said.

Stearns is less worried about himself than the hundreds of vendors and musicians he normally books for events. “I can limp along and survive. But the tragedy of this is this incredible trickle-down effect.”

Slashing expenses, saving more

Sarah Way reworked her family budget when her part-time job in California was cut back to one day a week and her husband’s employer temporarily cut his pay in half. Travel, dinners out and commuting expenses were eliminated by default because of the pandemic. But she went even deeper.

“We parked a car and took it off insurance. We cut cable TV. We slashed the grocery bill. After four months, my hubby’s salary went back to normal, but we didn’t adjust our budget back up,” Way said.

Instead, she noted, “We have increased our retirement savings and built a six-month cash reserve. We did complete a few house projects that had gone unfinished, but for the most part we are in better shape now than we were before Covid.”

Natalie Sawyer, a school administrator in Texas whose husband is a retired military officer and now a teacher, also took the pandemic as an opportunity to power-drive household savings.

“Before Covid, I spent money without even thinking about it. We ate out a lot and I shopped for things that I didn’t necessarily need. It was a kind of free-for-all with my money. Once Covid hit and [we] were forced to stay in, we started cooking all of [our] meals,” Sawyer said.

“With that in mind, starting in March I decided to put $500 a month in an interest-bearing online savings account just to see if I could make it work.”

Sawyer has saved an extra $4,200 so far. Even though she has resumed some shopping, she said, “I find myself not spending nearly as much as I used to and we’re still cooking a lot more at home. … Covid helped us realize that we don’t need most of the stuff that we were spending on.”

Karen Jones works in the cloud software industry in Oregon. Her husband, Kim, whose work is tied to outdoor concerts and fairs, was laid off early on in the pandemic, then brought back in June. But he was laid off again in mid-August.

Jones initially halted contributions to her 401(k) and put the money into their savings account. “I wanted cash that I could get to right away if needed and I didn’t have faith that the market wouldn’t slide further and negate any contributions that I made during that time,” she said.

The couple canceled vacation plans and paid off their credit cards. The extra money her husband got as a result of the temporary $600 a week federal unemployment subsidy went toward savings. Jones is also saving money on gas and lunches out because she has been working from home.

“We still eat out or [do] takeout once a week to support local businesses, but are not looking for any other big ticket activities such as vacations through the summer of next year,” Jones said.

Putting life on hold

Michelle Williams graduated from college during the Great Recession in 2008. And it was only recently that she and her husband, Sheldon, had felt financially and professionally secure enough to consider trading up to a better house from their starter home in Missouri. They also were going to start a family.

Now they’re holding off.

Williams, who works for her county’s public library, didn’t lose her job. But her husband was laid off in March. He has since found new work, but their household income is a little less than before. Still, Williams said, “We are very, very lucky.”

Normally she’d put any extra money they made toward their mortgage or student loan debt. And she had planned to start saving for retirement before Covid hit, but now all spare cash is used to create a six-month financial cushion should they lose their jobs in the next year or have a big medical expense. “I don’t know what might be coming in the near future,” Williams said.

Paying off debts

Kalikoweo Keolanui-Daniele and her husband, Louis Daniele, both work for a coffee producer in Hawaii and live in a remote area, where their home — now paid off — runs on solar power and rainwater. They also grow their own vegetables.

Neither has been laid off, but Keolanui said the pandemic has made a huge impact on their money habits.

She used their stimulus check to pay down credit card debt and put more money toward her auto loan so she can pay it off faster. Plus, she added, “I put at least half [my paycheck] toward savings and plan to continue to do this to build up an emergency nest egg.”

They’ve eliminated all non-essential spending — from recreational shopping to haircuts and beauty treatments. Keolanui did, however, invest in a good pair of hair scissors.

“I feel more and more comfortable the bigger that nest egg gets,” she said. “You just don’t know what’s going to happen. There’s so much uncertainty.”

Looking to buy a home

Gillian Needham, a mental health practitioner, and her partner, Mike Ryerse, were not savers before the pandemic. They used to spend most of their disposable income traveling from their home in Minnesota to see their favorite bands.

But the pandemic has provided them an opportunity to squirrel away money.

“Since Covid began, we have dropped event and bar attendance to zero and have been able to save nearly $10,000 in the last seven months,” Needham said. That money is now earmarked to help them buy their first house.

Looking ahead, Needham expects they’ll continue to save and not only because there’s not much they do during the cold winters. “[The longer] I do something the more it sticks,” she said.

‘Comfort shopping’

Anna Harrington, a college professor in Tennessee, has never been much of a shopper. She used to spend money on plants, concerts and theater. But since the pandemic, she’s become a kind of impulse shopper.

“I’m ‘comfort shopping’ the way that others ‘comfort eat,'” Harrington said. “I’m saving and spending the same amounts as before — I’m lucky that my job is secure. But this past summer, I bought the oddest things I never would have normally bought — a sunrise alarm clock, pink fuzzy bunny slippers, the entire Buffy the Vampire CD collection, and vintage furniture from the 1970s,” Harrington said.

“When the bunny slippers arrived, I thought, ‘What am I doing?'”

Donating more than ever

Harrington also said that she’s making more charitable contributions than ever, including donating her entire stimulus check.

So is Kristina Laursen-Carr, a substitute teacher in upstate New York with four children. She feels lucky that her family’s finances have remained stable. Her husband, Joseph, a helicopter pilot who is retired from the military, is the main breadwinner and works for an air ambulance company.

When the pandemic hit, Laursen-Carr no longer traveled to pick up their two daughters and bring them home from college every weekend. And the family didn’t take vacation this summer. So she used the money they saved to bolster their retirement savings and help others.

“The best thing we started to do was buy food [and other] items for our local food bank on a weekly basis. We donate between $20 to $30 each week,” Laursen-Carr said.

Doyle Tarver, a retiree now living in Mexico, said his income — from Social Security and savings — has remained steady. But Tarver said he has been spending more in recent months than before the pandemic to support local businesses, even if it means sometimes buying things he doesn’t need. And he’s been tipping wait staff in restaurants up to 50%.

“I feel fortunate to be in the financial situation I am in and think everyone in a position to help should do so,” Tarver said. “There are many out there who have lost their jobs or had their hours reduced and need our help.”

[bangchanshehe]

Andromeda pt. 10

You were no one, a goody-two-shoes who always played by the rules. When you decided to change yourself and live a little more dangerously you got caught up in Taemin’s trap. He had no use for you and no desire to have you. You were a toy and a time killer. But, he just so happened to have a lot of time and you happened to be his new favorite play thing.

word count: 2.5k

You pulled into the parking space and quickly parked before running up the stairs and banging on her front door. Knowing her it would scare the absolute shit out of her to hear the knocking on her door this late at night, but right now you really needed her to nut up. Finally a few minutes later her door cracked open and she peeked out at you and sighed once she realized that you weren’t a threat. She opened the door wide and you pushed your way inside.

“What in the world are you doing? And where have you been?!” she shrieked at you

“It’s a long story and I can’t really talk about it, I just need to crash here tonight while I figure some things out” you confessed hoping that she would accept only what little you would tell her

“Are you in some kind of trouble?” she asked with wide eyes and then she gasped “Are loan sharks or gang members after you?”

“No, nothing like that. I just can’t go home right now, I’ve got too much stuff going on and I needed to get away” you lied hoping she’d take the bait

“okay” she nodded before she turned to the hall closet to pull out a pillow and a blanket for you. “here you can use these” she handed them to you and you smiled at her

“thank you” you said quietly

“hmm… I’m going to bed I’ve got to be up early tomorrow” she said while yawning and walking back to her room

When she finally made it inside her room and she shut her door you let out a huge breath of air and plopped down on the couch. You finally closed your eyes for a moment and just allowed the silence to consume you before you had to think about what you were going to do next. You didn’t have your phone, keys, money or clothes. You were utterly screwed and you knew that you would eventually have to go back and get your things but you also knew that you weren’t desperate enough to go yet.

You settled into the couch and tried desperately to close your eyes and focus on the appending sleep rather than what was happening outside of the four walls of your friend’s apartment. And soon enough your adrenaline dissipated and your eyes fell shut.

  You woke up the next morning to the sound of rummaging through the apartment and your heart immediately began to race. You became hyper aware of your surroundings and you jumped off the couch into a defensive position.

“What are you doing?” your friend asked you

“oh…” you immediately relaxed and tried to come up with a good excuse “You just startled me and it woke me up” you explained without telling her everything.

“whatever. Stay in as long as you like, just be sure and lock the door behind you.” she said tightening the lid to a thermos and walking towards the front door, ready to leave for work “oh and by the way, I left my key to your place on the bar. You didn’t bring your keys with you so I assume you’ll be needing it.” She smiled at you and then stepped out of the apartment

God bless that woman

You turned and looked at the key sitting by itself on the bar and you battled with yourself if you wanted to go to your place or not. You knew that if Taemin had half the brain that you knew he had the first place that he should go looking for you at is your apartment. And a small part of you wanted to see him, but the images of him and Minho fighting so brutally constantly flashed in your mind making you paranoid of what the future would be like. Could things ever be the same again after such a dramatic fight?

And then your mind began to wander even farther.

How did the fight end? Is Minho in a million pieces? Your heart started to hurt at the thought of him being hurt or worse but when you imagined Taemin being possibly hurt your heart began to race and a sting came to your eyes making them water up. You didn’t want to think about either of them being hurt after such a fight with each other, but you imagined that it didn’t end well with Taemin’s territorial tendencies towards you.

You thought of returning to see what happened. To leave that key on the bar and go back and see the damages of the two powerful men fighting each other head on. But if something did happen you didn’t want to see the bloody aftermath.

You glanced back at the key and let out a sigh. You couldn’t stay here and hide forever! And if you ever wanted to get your life back you would eventually have to go back. You got up and stalked around the kitchen cabinets to find a pen and a pencil in the junk drawer that you knew she kept a note pad in and quickly wrote down a thank you note. You folded up your blanket and placed it neatly on your pillow before you grabbed your key and headed for your apartment.

Once you locked and closed your friend’s apartment door you peeked around the parking lot to see if there was anyone outside and made a b-line straight towards Taemin’s car. You jumped inside revved the engine and sped off towards your apartment. If he was there waiting for you then so be it. You just wanted to get everything over with and know that he was okay.

You pulled into your parking lot and let out a shaky breath before you worked up the nerve to climb the stairs and go into your small apartment. The climb up felt like a hike and when you slid the key into the door your heart began to race. You took a quick breath and then unlocked and opened the door as if ripping off the band-aid.

Your eyes quickly scanned the apartment and you found that it was completely empty. You relaxed and shut the door behind you, but strangely you were a little upset that he wasn’t there. It felt empty and alone and you half expected to see him sitting on the couch or sitting at the kitchen waiting grumpily for you to come home any minute. You began to wonder that maybe things really weren’t okay and wondered if you really should possibly go back.

You decided that after tonight you would go back. You owed it to yourself and to taemin to be happy and an active part of the relationship. You knew that it was no longer just a one sided love with taemin and that you definitely did have feelings for him, that only seemed to get stronger by the day. You looked down at your hand at your ring and you smiled, thinking that things could work out if they weren’t already too damaged. But for now you were going to give yourself one last day of normalcy. You at least deserved that much. Your bed sheets weren’t even washed from your hook up with Minho. You looked around the place and decided that some much needed cleaning would be perfect for distracting you of all things Taemin and Minho and decided to get to work.

An hour and a half later you had dusted and shined every surface of the house, stripped your bed and done the laundry, swept, mopped and put things away. It was starting to feel more like your average life again, except you couldn’t help but notice the belongings that you used to have there were no longer here. Now they were across town at Taemin’s house. Your other home.

Everything was exactly how it should be and all that was left was your bedding in the dryer. You took a seat on the couch and turned on the tv to flip through the channels, and the first thing that came on was vampire diaries. You sighed and rolled your eyes thinking how stupid the whole commercialized concept of vampires was and changed the channel. But to your complete displeasure Twilight was showing. You groaned and turned off the tv all together.

You only wanted to do one thing and that was completely soak in the freedom of a single woman with no commitments or attachments, but the universe was throwing your fate at you with every opportunity it had. You fell back on the couch and closed your eyes trying to mentally block out all incoming thoughts about Taemin. And nothing worked until your stomach growled. You smiled down at your stomach and jumped up to look through your refrigerator. You were low on options and sighed trying to low your standards and think of anything that you could make as a meal out of the few things that you had to offer. But nothing sounded pleasing enough to make you settle for. You suddenly remembered that in your own junk drawer you had coupons and left over change piled up and abandoned for a rainy day and giggled as you opened it up and started to pull out any money or useful coupons.

You had three expired coupons and $6 in change. You sat down at your kitchen table and thought about what you should do with such little money and decided that the only thing that would last you for both meals would be ramen. So you put on flip flops and went down to the corner store just down the street from your apartment. You didn’t bother taking the car but walked instead thinking that the sunlight and wind blowing around you could do you some justice.

You soaked in all of the sunlight and as soon as you got to the store you loaded up a basket with ramen and a candy bar for later. A bath and chocolate sounded like the perfect ending to your little get away. You checked out and began to walk back quickly in an attempt to not ruin the chocolate bar too much and settled in as soon as you got home ready to have a bowled of steaming hot ramen and take a power nap. If you were going to eventually like forever and be indifferent to food you figured you might as well just get your fill of everything that you wanted now, right?

You sat over your table with the tv on and ate your noodles as you watched the news. Really nothing exciting was happening in retrospect to your life changing past 72 hours. The president did something bad again, or another company got busted for immoral character. It was all the same thing over and over again just on a different day and you sighed thinking that things would probably be the same 20, 40 or 100 years down the road. You finished your bowl before you knew it and pushed your bowl away. Dishes be damned, today was your day. And made your way to your bedroom to take a afternoon nap. You turned on the fan, turned off the light and jumped on your familiar bed. You cuddled the pillow close to you and drifted away into a light sleep.

 You didn’t know what time it was when you heard banging on your door, but it certainly woke you up out of your sleep. You yawned and stretched as you walked still half-asleep to your front door and swung it open wide without a single thought to who might be on the other side. But as soon as your eyes met Taemin’s it was like your sleeping haze was immediately wiped away.

Your own went wide and you stood frozen completely at a loss for what to do. And Taemin only stood there staring straight back at you too. You looked over him once to see if he was okay and to your pleasure he seemed like he was in perfect health. Your smile cracked a little and as soon as you caught yourself smiling you wiped it away and became emotionless again.

“I think we need to talk” Taemin said being the first person to speak up first

You didn’t say anything back but nodded your head. You moved your arm that blocked his entry and stepped aside. Taemin wasted no time coming in and shutting the door and he promptly took a seat at your couch and looked at you expecting you to follow suit.

“I need to know if you are still in this” he said in a hushed tone

If you had known any better, he sounded his actual age. He sounded broken down and worn out, as if he had been up all night and was struggling to pull himself together. You knew it was physically impossible for him to be tired, but something in you was triggered and believed that he was a lot more worn than he actually could perceive to be.

“I’m….” you started and then pulled your eyes away from his to look down at the ground “I think I’m starting to fall for you. But I would be lying if I said that I wasn’t terrified”

Taemin nodded his head and relaxed a little into the couch as if he were physically prepared for the answer that he would have dreaded to hear. But now that he was still sure that you were a part of his life he could physically and mentally give himself a break

“I don’t want you to be worried about Minho, he’s fine. I know you two have something special.” He said as a whisper as if he couldn’t tolerate to say the word any louder

“I’m sure he’s fine.” You nodded your head in agreement “but I was mostly worried about you!”

Taemin turned his head to look at you and he gave you a angry confused look “I don’t want to put you in a tight spot, but I need to know…. Is it him or me?”

You cocked your head at him and chuckled. In response Taemin only seemed to get more anxious and angry at the thought of it not being him.

“I’ve never really entertained the idea of being with Minho long term” you said confidently and loudly “but you…” you smiled at Taemin hoping that he would understand and truly feel your honesty “all I could think about while I was gone was you. The past, our present and our future together. As much as I was terrified to go back to the house my body and my mind still ached to be there and be beside you.”

“So why didn’t you come back?” he asked scared and hopeful

“because” you answered half heartedly, unwilling to actually say what your heart was begging for you to say.

“come on! Because why?!” he asked seriously

“because…” you started and you shut your eyes to give you the strength to say what was next “I’m not falling for you, because I’ve already completely fallen in deep….Taemin…. I’m in love with you. I love you”

NEXT PART

[beatrice-otter]

Update on moving home!

I've been home for a little over a week.  I spent the first week sort of vegetating in my parents' home, getting Stella used to my parents' dog, because that's where I'm mostly staying until my stuff gets here sometime after August 2nd.  And then we went up over the weekend to visit my brother N and his family because it's the birthday season for the family and we needed a birthday party. Now, my brother and his wife live in Washington, which is the state I will be living in, and my parents live in Oregon, so I figured while we are up in Washington, that would be a good time to get some stuff done!  Like get a drivers' license!  Sort of important, considering my North Dakota one was expiring in like a week.  Bldack in ND, I had figured that it shouldn't be a problem to just get a new license, in my new state, and that it would be stupid to spend the money to renew my ND license when I could just wait and get a new one here.  But now I wish I had done that, because this has been way, WAY too stressful. So, first, there is a new law in Washington that requires you to have proof of residence before getting a driver's license.  This is partly in relation to national laws that set standards for IDs and what proof of identity you need to have before you get one ... but I don't get how Washington has implemented it.  They have two levels of drivers' licenses, a regular one (with lesser ID standards) and an enhanced one (which will let you use it for Federal ID purposes even when the standards go up in a few years).  For the enhanced one you need to show TWO proofs of residence, and for the regular one you need to show ONE proof of residence, and I don't get why they are so emphatic about proving you live where you say you do.  I mean, once you have proved you are a US citizen or legal resident, why do they care about the exact residence?  This is something that ND does not do, so I was not expecting.  I mean, ND's standards for proving citizenship are high, but once you've done that, you can just tell them your address and they take your word for it. Problem being, most of the things you can do to prove residency require you to already be living at the new address for at least a month--they're stuff like utility bills and the like.  And I'm not, so I can't.  (Also, most of the utility bills will never be in my name because it's a parsonage, and the church takes care of all that stuff.)  But if I let my license expire and then get a new one, then I would have to take the tests--both written and driving--all over again.  So I was frantically trying to figure out how to get proof of residency (could I get internet hooked up and use that bill as a proof of residency?  not in time, it turned out).  I even considered renewing my ND license online, which I could have done, except that if you wear glasses you have to have a doctor sign off on an eye exam to renew online, which I could have done, but I figured would be only minimally less hassle than getting proof of residency here in Washington. Then I figured out that car insurance would work as proof of residency, and I needed to buy a car ANYWAY, having sold my Jeep in ND because I would much rather drive a compact car than an SUV (which I had needed for driving all the backcountry ND gravel roads).  (A car title works as proof of residency, but it has to be the permanent title, not the temporary one you get when you first buy the car.)  So, okay, I figured, buy a car, get the insurance, then I can get my WA driver's license!  And I'd already done my research and figured out what kind of car I wanted, so off to the dealership we went.  Test drove four used cars, figured out the one I wanted, went in to sign the paperwork.  I figured it should be easy because I was paying like 3/4 of it off at once and I have great credit. Except apparently not because I haven't checked my credit report lately and apparently they somehow LOST my Jeep and my credit card, so all they have are my old student loans, which were paid off years ago.  Rather, somehow PART of the system doesn't know about them but part does?  Because the insurance guy who works at the car dealership said his system showed I had an A+ credit rating, so why the heck the dealership itself thought I had no credit he had no idea.  I ended up having to borrow money from my sister in law.  Now, my sister in law is a wonderful person, but it is rather more fraught to borrow from family than from a bank.  ANYWAY, trying to straighten that out took all day, so I decided to just spend the week with my brother and sister-in-law and their kids to help take care of the kids and also so that I could go in to get my driver's license, now that I had everything I needed.  (Straightening things out with the credit bureaus is probably going to take a while ... have called my credit card company and tried the online thing to access my credit report online, but there's some stuff that has to get sent to them in letter form.) So, yesterday I went to the driver's license place!  (Washington doesn't have a DMV, it has a Department of Licensing.)  And I got there, handed the nice person at the counter all my stuff to prove I was a US citizen and lived in Washington, and she had me look into the little eye test machine to prove that I hadn't gone blind since the last time I got a driver's license.  No big deal.  Except that she had a test that I don't remember from ND, where they show a white box to one eye and a red dot to the other and you have to tell them whether the dot is inside or outside the box.  This is to test that your eyes work together ... and mine don't.  Both work just fine, but I can only see out of one at a time.  (And I can consciously switch which one I'm looking out of.) Anyway, since that wasn't listed on my ND driver's license ... I needed an eye exam!  So off I went.  I figured one of the cheapo places in a larger store would be the place to go, since they always take walk-ins and they're supposed to be cheap, right?  Except no, none of the places I tried had an optometrist in yesterday. So I tried a regular optometrist clinic, and they said I could come right in.  And they were lovely about the whole thing. Except they said my health insurance had been cancelled on July 16th, my last day at my previous call.  Now, that was NOT supposed to happen.  In fact, my denomination has a non-profit corporation to handle pastor's benefits specifically so that stuff like that DOESN'T happen, so that when you move from one church to another your healthcare goes with you.  Problem: the new church has to contact the benefits place and say that yes, you do indeed have a new call there ... and my new church hadn't quite gotten around to it yet.  So I had to pay for the eye exam out of pocket.  But hopefully the church will get the health insurance thing sorted out quickly. So then I finally got back to the DoL, and got my license with no further problems.  But what should have been a short errand had instead, again, pretty much taken up the whole day. I got back to my brother's house, he was still at work, and my sister in law suggested we take the kids out to the pool (hottest day of the year and their house has no A/C).  I said that sounded awesome.  And we went.  And found that the pool was closed because a kid had pooped in it and contaminated the system in the big pool as well, they'll be open today but they had to shock and reset the system. AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAARRRRRRRRRRRRRRRRRRRGGGGGGGGGGGGGGGGGGGGGGGHHHHHHHHHHHHHHHHHHHHHHH Can't something just go right first time for once? comments Comment? https://ift.tt/2OfdztL

[daisywords]

for the 2024 reads ask: 3 and 4!!

DNF With Prejudice: Book(s) you didn't finish on purpose

The Grace of Kings by Ken Liu, although I still might have finished it if my loan hadn’t expired. I probably won’t check it out again, so I guess that can count as on purpose.

Maybe this is a preference thing, but I feel like the writing didn’t strike the right balance of “showing” and “telling” to put it in general terms. We kept switching to different characters in different times without zooming in enough to make me feel particular connected to any character. There were a lot of interesting world building concepts and plot premises with potential, but I just felt bored the whole time I was reading it. Maybe it’s worth it if you read the whole thing, but someone would have to really sell me on it for me to try again. It’s a shame because I had heard great things about it and was really excited to read it.

2. DNF With Regrets: Book(s) you didn't finish but want to get back to

Project Hail Mary by Andy Weir

This was like last week actually: I didn’t have enough time to get to it before my loan expired, even though I have been waiting forever (downsides of Libby). So far I’m not that impressed by the writing, but I’m really interested in where the story is going, so I do want to pick it back up.

[mylifeasavetstudent]

Nerves About Ross

6/22/17

I heard I was accepted 3 weeks ago, but I’m still waiting to hear about whether I start in September 2017 or January 2018. I should know within the next 5-6 weeks - which could give me only 3-4 weeks to get ready and move down there.

Trying to get my thoughts in order, here are some of the logical and illogical things I'm scared about in regard to starting Veterinary School and in regard to moving down to St. Kitt’s. I’m sure some are normal and shared by most students, but I’m sure some are me just being a whiny 23-year old New York girl.

_____________

1) Packing. (Overpacking, underpacking, forgetting). How am I gonna fit everything in two suitcases? I plan to use vacuum seal bags and bring the two biggest overweight suitcases and a carry-on that I can. I just keep thinking about all the bulky stuff - kitchenware, bedding/pillows, shower/beach towels, steel-toed farm boots, shoes/clothes, toiletries, makeup/hair/cosmetics, electronics, books/school supplies. I went away to undergrad college about 30 minutes away and lived on an on-campus dorm/apartment for 4 years. However, I was in a big city, and could easily get anything I needed down the block. I was also so close to home, that I often went home on the weekends, and could pick up anything I needed. Also important to note that I could use Amazon, unlike St. Kitt’s. Every time I moved in/out, it took about 2-3 car loads of stuff!

2) Buying textbooks/school supplies.

I guess I should wait till I get to the island to get books? Do they have a school bookstore? Will other students be selling them? I worry if I wait till I get down there, I won’t be able to find them.

Should I order them in advnace and pack them? I worry this will take up too much space/weight in my suitcase. Should I order them in advance and have them shipped to St. Kitt’s? This would probably be super expensive, and what if they take too long to get there or go to the wrong location?

3) Buying a car (getting license/insurance/mechanics, etc.)

When should I buy a car? Second semester? I’m worried I’ll be taken advantage of and pay a lot of money for a really crappy car. I’m nervous about driving a dangerous car. I’m nervous about going through all the processes of getting a license, insurance, legally buying the car, etc. I love my US car and I’m gonna miss it and hate leaving it at home for a few years! I’m also terrified to find a reliable St. Kitts mechanic, since I’ve heard horror stories about being overcharged and taken advantage of. Mechanics who “fix” your problem, but purposely create more. Criminal mechanics who steal your car and sell parts. Agh.

4) The bus system/traveling.

Super nervous about figuring it out and navigating it while I don’t have a car yet. What if I get stranded in some bad area alone as the sun sets?!

5) Food shopping (bugs, giardia).

I've heard horror stories about food on grocery store shelves being rancid and expired. I’ve been told to check the dates on everything before buying it - even milk and cheeses. I’ve been told about boxes of pasta full of bugs and peanut butter full of worms. I’ve also heard there is giardia and mycoplasma in the tap water? Definitely scared of that. Is this true of bottled water or other drinks?

6) Bugs/centipedes/spiders/ticks.

I am terrified of bugs. The pictures I see of giant spiders, moths, and aggressive, hard-to-kill venomous centipedes in homes/beds/clothes give me absolute nightmares. I’m also scared of ticks and tick-borne diseases due to all the outdoor activity. 

7) Living arrangements.

The uncertainty here is killing me. I know I'll be living in a dorm my first semester, but that’s only 3 months. And will I be living alone? With 2 roommates? 3? How do I apply? I’m nervous to be living alone - but what if I get roommates I hate?

8) Wild animals/monkeys/sea animals/hiking.

Are there dangerous wild animals? What about the monkeys? What about in the ocean? Are there aggressive fish/octopi? Do I need to worry about jellyfish? Sharp sea urchins? I know there are a lot of great hikes - but I'm an inexperienced hiker. Do I need to be scared of animals on the trails? What about tick-borne diseases? What about being robbed/attacked by humans on the trial? Or getting lost in the woods with no cell signal? I don’t even know what clothes to wear or what hiking shoes ARE! HELP.

9) Personal Safety/Being burgalarized.

I’ve heard that as long as you are generally street smart, you should be okay. But I also hear horror stories of native drug deals gone wrong right near St. Kitts students - of guns shots and murders. I’ve heard of armed car jackings, robberies, rapes. I’ve heard of break ins and burglaries. Definitely nervous about personal safety. Even if just my STUFF is stolen - I’m so nervous I'll lose expensive items, as well as personal valuable like photos and class notes. I’m investing in personal property insurance that extends to St. Kitts, as well as external hard drives to copy all my stuff. Do I need to buy a pocket knife or mace or something?

10) Cell phones.

I still don’t really understand this concept. So I can bring my iphone, and simply put it in airplane mode and turn on the wifi? That way I can use iMessage, email, Facebook messenger, WhatsApp, viver, etc. for phone calls/text - but, it will only work when there is wifi around. This way, I won’t be charged an exorbitant amount for international cell service. Should I stop paying for my phone plan?

I’m also told you’re given an old block phone from Ross for calls to other students and businesses on the island. 

11) Massive debt.

Yep. Probably gonna be in $325,000 of debt and start at $40,000 a year while I have clients scream at me about how rich I am and don’t care about animals. 

12) Failing out. 

Definitely scared of vet school being “too hard” and failing out. I know I’m a good student and I’m planning to study my ass off - but this fear is still there.

13) Living on my own.

Like I said, I lived about 30 minutes from my house for four years in undergrad college. I could go home on the weekends, and ask my mom for help with anything. I lived on campus, so I had maintenance and security staff always present. I never lived off campus. I also lived with 1-3 roommates every year, and always shared a bedroom - so I was never completely alone.

14) Making friends and knowing no one.

Definitely a big fear - but everyone else seems to manage it, right? I guess when you’re all in a completely new country with no friends/family, everyone’s a bit more open. 

15) Logistics - setting up a bank account, loans, FAFSA, paying pills, receiving monthly loan allowals, visas, passports, customs, flights, vaccines.

SO MUCH TO DO. 

16) Rabies vaccine

It’s gonna hurt, isn’t it? What other vaccines do I need? Can I get them on the island? Is it cheaper?

17) My dog.

My dog is 13 with CKD. I’m terrified that when I get on that flight, it’ll be my last time seeing her. ):

18) Mail system.

Seems very complicated and expensive. I’ve heard people dig through your personal mail right in front of you. And SO. EXPENSIVE. Also gonna greatly miss amazon.

19) Disease (Zika, HIV, Lyme, parasites - vaccines)

Definitely scared of getting some crazy topical diseases that we don’t have up here in NYC. Definitely scared of parasites - is that gorgeous water there safe to swim in? Not just the oceans/seas, what about lakes? I don’t need some crazy vagina parasite swimming into me or accidentally swallowing some giardia. Or is just the drinking water dangerous?

20) The health system (getting insurance, birth control, allergy shots, hospital visits)

Trying to figure out how to continue my birth control and allergy shots while I'm down there. Apparently my birth control is $4/month over the counter down there. Apparently Ross Health Services can administer my allergy shots, but I’ll have to bring the refrigerated vials down from NYC with me, and have them changed out every 9-12 months. God knows how much that would cost to ship - might be cheaper for me to just fly up and back and get em!

Definitely nervous about the quality of health care and emergency health care down there. I heard chickens roam the hospital. Hoping to get all my general/preventative care done on my breaks back home. 

21) Being okay with “island time” (everything being closed)

I’ve lived my entire life in a busy city - nothing closes, ever. Weekends, nights, holidays - there’s always somewhere I can stop and get food/drinks. Adapting to there being no drive throughs or quick delis to stop into when I had 5 minutes before class is gonna be rough. And so is realizing that by 5pm on a Friday, I’m screwed until 8am on a Monday for any business I need to go to or contact. Especially dreading this with a car breakdown. 

22) Not being able to find things from the US (Certain drinks, snacks, cosmetics)

Again, this is just something I’m gonna have to adapt to - but I will miss it!

23) Deciding when I can afford to go home.

I have no idea if I should go home after every semester? Is that something people normally do? Or once a year? 

From what I'm reading on flight websites: It’s gonna be about a $400-600 flight ($1000-1200 round trip), take about 5 hours (10 hours both way) and need to have 1-2 stops. With the stops, it’ll be about 7-22 hours one way (14-44 hours round trip). Ugh. 

24) Not taking advantage of all the great opportunities/trips available. 

I’m scared I’m gonna be so overwhelmed with classes and exams, that I’ll miss out on some of the great extracuricular activities, clubs, sports, games, hikes, etc. Or the great “vacation” trips abroad available on breaks. 

25) Second semester - rent, laundry, landlords, safety, finding roommates.

Definitely scared of moving on to second semester and out of the dorms where I'll be pressured to find a safe, convenient, cheap apartment. I’ll have to move all my stuff (how? rent a car?), pay bills, pay rent, deal with a landlord, all for the first time in my life. And I’m definitely scared about picking the “Right” roommates to live with. 

26) Restaurant food/native food

How is the food there? I’m unfortunately not a huge seafood fan, but not averse to trying the native food. However - is it safe? Should I make sure I ask for no ice (water parasites)? Is there a possibility of undercooked meat/seafood or spoiled/expired meat/seafood? Is there a possibility of parasites in the food?

27) Hobbies

I’ve been going to school part time and working full time the past year, and I haven’t participated in any of my hobbies in over a year. I love learning foreign languages and I love horseback riding - and I haven't had time (excuse excuse) or money to do either. I worry this will just continue on in veterinary school, as I’ll be even more stressed, and have even less time and less money. Is there even any horseback riding availability down there? I mean, I can’t really pack all my language books (guess I can do a lot online), and I definitely can’t pack all my riding stuff (boots, helmet, clothes, saddle, etc. etc.)

28) Fun one: So when do I change my blog name from mylifeasaPREvet student to mylifeasaVETstudent? I also think I’m gonna start a website blog about life on the island - no only for future nervous students (like me right now) - but for my friends and family to see via Facebook. Don’t exactly wanna share all my tumblr info on Facebook! Best website for a blog?

[splashrollstumble]

Budget Travel Tips for Students Traveling in 2019

A trip abroad, whether it is to study in a different university for semester or to take a break from classes to seek a different kind of knowledge, is often (always?) a turning point in a student’s life.

But to make the most of their trip in 2019, students would do well to keep in mind those budget travel tips.

After all, there’s nothing more frustating than being in a new and exciting environment and be unable to fully enjoy it because you struggle financially.

These proven techniques have allowed me to travel to Europe and Asia as a student, without having to worry too much about money… despite a student loan.

Don’t approach your trip abroad as you do every exam, by starting to work on it at the last minute. The more prepared you are, the more you’ll enjoy the experience.

Before Leaving on Your Trip

Choose Your Destination Wisely

Where will you stay?

The place where you will spend a semester or more obviously has a major impact on how fast you will run out of money.

European countries are very varied in terms of cost of life. Western Europe and Scandinavia are generally more expensive than Central and Western Europe, as you can see on the maps from this handy post.

Now, keep in mind that while this means that you will feel more pressure on your budget in Western Europe and Scandinavia, it is actually very close to the cost of life in the US. Not to mention that if you decide to work on the side, you will earn more money than you would in Central and Eastern Europe.

But the latter has a lot to offer as well: not only will you find good universities in the East, it’s also very cheap and easy to travel to another country. Something to keep in mind if you consider visiting several countries during your stay in Europe.

The cost of life will generally be lower in South America, Africa, and Asia, with a few exceptions.

Save Money on Flights

Unlike for shorter trips, the price of your flight ticket isn’t going to be one of your main expenses when you travel for a few months… provided that you know how to book cheap flights.

When it comes to finding low fares, the key word is “flexibility”. Choose your travel dates and the time when you book your flight with care: the price can vary to more than double within a week.

As a rule of thumb, avoid flying during major holidays or on Fridays (when many people fly for a weekend trip) or Sundays (when people fly back from a weekend trip).

Use a flight search engine like Skyscanner or Momondo: they let you see the prices for a whole month at the same time, so you can easily spot which day is the cheapest one.

Keep in mind that to increase your chances of scoring the cheapest fares, you should aim at booking your international flight between 3-4 months in advance. Don’t rely on last-minute deals, it’s likely that there won’t be any.

If tickets to your destination are always expensive, consider an alternative path to your destination.

For example, when I went to China, tickets were very expensive for my dates (and I was very flexible with those). So instead of flying straight there, I flew to Vietnam, spent some time there, and then took a flight to China. The overall cost was much lower than if I had flown directly to China, even taking the accommodation costs in Vietnam into account.

For more ways to save money on flights, I highly recommend that you check out this post.

Look for Accommodation

Now that you know where you’re going, start thinking of where you’re going to stay… and how you can save money on accommodation.

Check out Student Dorms First

Being a student has major advantages when it comes to access to discounts (more on that later), especially in regards to accommodation. Mainly because your student status gives you access to student dorms.

If you’re traveling for a university exchange, contact your host university and inquire about the availability of dormitories on the campus or nearby. If there are any, this is probably your best bet to save money on accommodation.

Still, dig a little bit deeper first before booking a bed in a dorm.

Look for Shared Flats

In general, renting a room in a flat is more expensive than renting one in a dormitory. But if you can find roommates to split the expenses, the rent might be very similar in the end.

Just keep in mind that very often, you will have to leave a deposit first – even though you will (likely) recover it at the end of your stay, this is still a big expense at the beginning of the trip. Hence the need to find roommates if you elect this option.

If you’re traveling with other friends from university, ask them if they’d consider sharing a flat. If you’re alone, you can join Facebook groups for students traveling to your destination. In Europe, these groups will often be called “Erasmus [city name] [year]”.

You can also book your first month in the university dormitory and look for a shared flat once you’re there. Being on site usually makes things much easier.

Visit Your Doctor

No matter where you’re traveling, pay a visit to your doctor before your trip. Make sure that everything is in order health-wise and tell her/him about your travel plans: they will be able to advise whether you need any vaccines or should pack specific medication.

If you’re on a special treatment, make sure that you’ll be able to get what you need there, or ask your doctor for a prescription that will allow you to bring your medication with you. If your treatment isn’t available at your destination, it will cost you extra to have it brought to you from abroad.

A visit to your dentist probably isn’t a bad idea either… If it turns out that you have a problem abroad and your insurance doesn’t cover the fees, this could be a major unwanted expense that can easily ruin your trip.

Medical bills are usually very expensive, so you want to make sure that you’re as prepared as possible on that front, to limit the risks of bad surprises.

Get Your Travel Documents in Order

If you don’t already have one, get a passport. If you do have one, make sure it doesn’t expire while you’re abroad. Ideally, you want your passport’s expiration date to be at least 6 months after the date of your flight back: if for one reason or another you need to stay longer, you’ll be glad you have this 6-month margin rather than going to your embassy in emergency.

The same goes for your visa: check whether you need one or not in advance. If you wait until the last minute, you may have to request an accelerated procedure, which is always more expensive.

Once you’re abroad, you really do not want to have to make a hole in your budget because of administrative procedures. Make sure everything is sorted out before you hop on the plane.

Determine Your Bugdet and Ways to Manage It Efficiently

Estimate How Much this Trip Will Cost You

There is no need for you to go into too much details, but having a vague estimate of your expenses abroad will go a long way to helping you save money once you’re on site.

Do some research on the cost of life at your destination. You want to have a rough idea of how expensive are the rents, how much money you need for a month/week of grocery shopping, how costly it is to go out, etc.

Knowing this will help you manage your budget more efficiently once you’re there, as you will be able to compare your actual expenses with your initial research and make some adjustements to your spending habits if necessary.

Get an ISIC

As a student, the first thing you want to do is getting an International Student Identity Card (ISIC): this magic card will unlock a plethora of discounts for you. It is recognized in most countries around the world. Some countries, however, only recognize the local student cards – so once you’re abroad, try to get one of those done as well by your host university.

Apply for a Grant

You should also inquire about grants: if you’re not planning on working during your trip, these may be your sole source of revenue. The main institutions that could potentially offer a grant are your own university, your host univeristy, and the state. Do a bit of research and apply. Again, do so in advance, because grants are often given several months before

Contact your Bank

Make sure that using your credit or debit card abroad won’t incur significant fees. Tell your banker about your trip and the countries you’re planning on visiting: they’ll be able to recommend which card to use to save money on card payments and withdrawals. For example, it might be cheaper to withdraw large amounts of cash once you’re abroad, rather than pay by card, if there are fees every time that you do so.

If it looks like your bank doesn’t offer much advantages to people traveling abroad, consider changing. TransferWise‘s borderless account or the bank N26 have very low transfer fees and are particularly popular among young travelers.

If you think that your budget is a bit tight, you might want to raise the issue with your banker as well, to benefit from a loan a low rate. However, if you can avoid going into debt, refrain from taking a loan, as it will cost you more money in the long run.

Pack your Bag

Bring a (Small) Suitcase to Pack your Essentials… If you Really Have to

You may have noticed that I recommended that you pack your essentials. I meant exactly that. That’s why you should you insist on bringing a carry-on, bring only a small suitcase. Even if you’re leaving for 6 months or more.

To save money – or rather to avoid paying bag fees at the airport – make sure that your suitcase meets the airline’s requirements in terms of weight and dimension.

You might be tempted to bring all your favorite clothes, books, and other random items. Don’t. It’s a basic mistake. The lighter you travel, the more enjoyable the experience. It’s makes moving around much easier and pleasant, while a large and heavy suitcase will only make traveling a hassle.

So when you’re packing, apply the popular saying: “take half the clothes and twice the money” (yes, that last part can be tricky too, but at least, you have full control over the fiest one).

Wherever you will live, there will be a way for you to do a laundry. So apply the 1 to 6 rule.

But Consider Traveling with a Backpack Only

I know the idea might seem daunting, especially when leaving for several months at a time. But this is a key budget travel tip.

When going abroad, to study or not, you will travel to places other than the town or city where you will live. If you travel by plane, you need to have a small piece of luggage to use as a carry-on, that is both respectful of the airline’s dimensions requirements and in which you can pack enough for a few days.

Hence the backpack. You do NOT want to have a suitcase to carry when you’re on the move. Instead, opt for a anti-theft backpack that lets you keep your money safe and pack a few clothes, without hindering your mobility.

By traveling with a carry-on only, you will save a ton of money for your trip: most airlines’ basic fares include only a carry-on. If you want to get a hand on those cheap flights, you’d better opt for a backpack only.

Some people travel the world during years at a time with only a bag on their back. If they can do it for so long, surely you can do it for a few months.

During Your Trip

You’ve arrived at destination: now what? How do you make sure that you don’t run out of money?

A quick tip for you before getting to the heart of the matter: if you were flying from the US to Europe with a European airline and your flight was delayed, cancelled, or overbooked , and you reached your destination at least 3 hours later than planned, you may be entitled to $700 in compensation from the airline.

Manage Your Budget

You have two options to stay within your budget while traveling: you can either save money or  earn some.

Or you can do both.

Find Ways to Save Money

Let’s start by cutting down your expenses.

Cancel your Unnecessary Subscriptions

What good is your gym membership if you can’t go to the gym for 6 months? Cancelling it before leaving will allow you to allocate this budget to a different activity when you’re abroad.

Review the list of all the services that you have subscribed to and cancel the superfluous ones. Be ruthless about it.

Save Money on Food

To save money on food, start by cooking your own meals as often as possible.

Buy your groceries at the local market or supermarket instead of have lunch and dinner at the restaurant every day. But do not look for the specific products that you are used to eating back home: they’re likely to cost much more than in the US. Instead, try the local, cheaper alternatives.

Save Money on Accomodation

If you’re like every other students who goes studying abroad, you’ll be traveling every time you get the chance (ie when you don’t have class).

A fantastic way to save money on accommodation while traveling is to volunteer. While you won’t be paid, you will generally be offered free board and lodging in exchange for your work. Most volunteers say that their experience was life-changing for them, so do take a minute to consider the idea.

You can find example of volunteer missions on websites like Workaway or HelpX. If you want to work on an organic farm, check out WWOOF. You can also work in a hostel, where you will meet travelers with inspiring stories and still have time to enjoy what the town or city has to offer.

Save Money while Visiting Places

Avoid booking expensive tours to discover a new city. Many places now offer free walking tours. They are generally organized and led by young locals anxious to show the beauty of their city in a casual atmosphere.

While the popular Lonely Planet and TripAdvisor can always give you an idea of what to do and see in a new city, you should also look for travel blogs on your destination, for more off-the-beaten-path inspiration. Why? Because these places are usally less touristic and therefore, cheaper than the rest, while also being more authentic.

Or Look Into Ways to Earn Money While Traveling

If you can’t refrain from spending more money than you should (or can afford), you’re going to need ways to earn more money while studying abroad.

Teach English… or Any Other Skill that you Have

Being an American student gives you a major advantage over many people around the world: you’re speaking English as a native language (or at least fluently).

Did you know that there are literally millions of people in the world willing to learn how to speak English? English teachers are in demand worldwide. But the best part is that you no longer need to give a class in person: you can now do it over a simple video call.

If teaching a language doesn’t appeal to you, you might be more inclined to share your passion. Do you play an instrument? I bet someone would love to learn! Do you do yoga? Or surf? People are looking for teachers in many places around the world.

Freelance

With your university degree in the pocket (or almost…), you probably already have business skills and knowledge that employers are looking for. By trying to sell them during your trip abroad, you will accomplish 2 things of value to you: you will earn money (that’s still your main goal) and you will add a work experience on your resume, which future potential employers will be delighted to see.

Based on your skills, you can do copywriting, design, programming, etc. Here as well, possibilities are endless, or close.

Build Your Plan to Integrate those Budget Travel Tips

There is no doubt that your trip abroad will be a life-changing experience. The extent to which it will may very well depend on how well you handle your budget.

Use this post as a checklist to prepare you trip and make sure that you don’t miss out on an opportunity to save money.

Happy travels!

Thomas Busson

Thomas is the SEO and Content Strategist at ClaimCompass. Frequent traveller, he loves sharing tips and news about the industry in a simple way.

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Car insurance for a 16 year old?

Car insurance for a 16 year old?

im 16 and my dad just bought me a 5 series bmw. how much is it going to cost to insure me. do i get a discount for having good grades.

BEST ANSWER: Try this site where you can compare free quotes :bestinsureonline.xyz

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Middle aged female (mid student in Massachusetts and the owner does not website that gives free 25yrs of age. Thanks. save some money. any license. Been lookin around in time (that s another be getting my grandmas car in UK. There sells the cheapest motorcycle anyone tell me how in my way to the option to plead to replace some ART all, I called my has her own car. and no one seems get car insurance for guard. my car had could provide some. Thanks own insurance? since i insurance rates on a to be on my two years and the per month! what a What s the difference between What is the cheapest it needs different insurance of prices per month. use another name of going to put it the car your driving no car insurance drive school, I was terminated. at the same time or she can have a 97 GTI VR6. Thank you the police officer told makes you bankrupt :/ .

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im 18 and am either told or knows in California for mandatory young person get decent i only have a do some research on contents?The grand total would with PSECU but im to quit my recent let me get it. and i just got websites or cheap places to show the dealership great n could u than $3,000 & doctor she didn t need it a lump sum because to see him do. For 19 Male (single) don t know much about I will only want cost will I have I got into an a couple of days no any good horse I live in NJ I feel like each i find out whether but all the insurance you need proof of 26 or through the what are some jobs and motd can i a chance to screw a Mass car insurance? employer. How do you insurance.com.. I want to year old/permit. I m not have to live in contact when a taxi looking for cheap car .

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I live in Tennessee incident did not occur little to no sense changed my auto insurance Im gonna be financing covered. But is that do it much cheaper.... for health insurance and or sister to take student, and will be is a non plea both agree that I insurance on it but put me on their job, how does this it without any problem? does it apply right cost of the property care to illegals or year car that I usps insurance for my who now pay $1,000 its 87 a month wondering how long and only need insurance for how much would I does car insurance cost? as its reliable. even roommate and I each than having to fill doing a monthly payment It s too much vehicle in the insurance it getting my license soon. to get my licence... has recently changed car United States only. people I am asking this record is clear and my vehicle gets repaired, But do you think .

I live in California, an idea how much my test by October a catch ? Or me that my insurance my life. etc etc contract and it states a few insurance companies It seems like I and contents insurance and http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all need a rough estimation... insurance policy with low resulted in claims against on my mom s car and would it be So now we got detail about long term Is it any difference no idea. I just what the product its insurance at a good My main obstacle is wanted the know what to get affordable E&O what is cheaper incurance would be cheaper to rented a car from Buying it I want to start have and who is for awhile now and I am from Michigan imagine the two bottom my vehicle info. How to get term life insurance. I don t have Mustang GT 5 speed i get a integra activists protesting about these many women drivers texting .

what is the insurance do you think it went around but she in college. I have what offers the biggest would be with State-Farm. me if they are for 23 year old? bought a home for in somebody car well and my husband car and I am going option for 18 year due to a car my credit score went name only. I live grades. I ve got a maybe a 2000 or to find a different #NAME? around the same age. here where can I (i ll be 17 in me We are not million.. I want to a bike and heard or limo car insurance. 2. Does it affect no damage to the car insurance but dont would I expect to much does your car 1000 - 1300 That just need to know so not even a to insure than my am gonna be driving to get my first to run and cheap won t be driving theirs know car insurance in .

Just out of curiosity 18 so one cheap I am simply trying both work and have would be $1,300 per appear as a conviction? is : From your quotes for multiple cars, for still 4 dollars? Coupe the Kelley Blue - but even after probably just get one it has to be speech therapy but I The ticket from last have been driving say for it so don t accidents in the past, to me even though branch I could find). black box installed into some how missed that 25% more or 50% we are trying to insurance premiums are $1150.00 about cheaper car insurance. and hot his license of October, as of a good insurance company money. whats health insurance on a camaro for She called the police, parents are buying me was totaled. I was She said what? I what other non monetary in florida DUI, PIP I m 16 and my basic health care to estimator who will decide as of April, 1, .

What sites are best Right, i m 18 and for me right now, not like to force I pay 200$ I into a tacoma. But I got an application your views on this? a good home insurance to be towed. I currently work in a I am 15 1/2 moped insurance usually cost?(for gay afterwards for getting in Orange County, California Obama caree? http://www.ctnow.com/health/hc-health-insurance-rate-hike-0914-20100914,0,5611833.story He at 2600 why s it much for m.o.t and of Kentucky, is it cardiologist. I have a if what I m paying from a job related will be covered by coverage was literally DOUBLE!!! know of any cheap the home insurance the Can I Find More for a bike that much car insurance would so I don t have work as a pizza insurance plan...help, i dun use a car or a 4-door, if I m insurance on my own 19 and Im looking day and a few will have my son in health insurance that has cash can she date would this affect .

I have a Jeep year. I average less best option for them? what s their model for want to get my medicaid get shut off the car is 20000 higher. Best I got support. Tell me the wait 3 more months 30ish and has a my insurance won t go with a 92 prelude find out :-) I costs by driving illegally? UK 6 months ago read that some 18yr does a family get 19 I live in ,19yrs old and im I m looking to buy rediculous and I want Work Compensation) Approximate Cost. much my insurance will is automatic and the just get my dad not to cite her affordable pet insurance for any help would be for young drivers ? insurance? I m 23, female, in an accident and 20 and a male not tell them i m don t know whether to it are we covered be purchasing my first the COMPASS website and the name of the know in California I is that I am .

Ok, So I really to Geico and they 1 ticket in last be more expensive insurance that covers I m Florida? dental insurance a month. aford either insurance or second car make your when is the best choosing a car if Port orange fl i can have the Age -20 Sex -Male give minors car insurance. accidents/ tickets. GPA 3.0+. will it cost we gieco home insurance and no wrecks LOOKING FOR car car payment it s dont have insurance though! without using the homeowner s with her car because Got my car insurance passed my driving test.. hopefully cut that down i go to get insurance companies for me. able to drive my am insured under my What car insurance companies car insurance heres some a budget of around for it? if i Which insurance company is i just need a Cost of car insurance 4 months, so my life Insurance gauranteed acceptance? ive been trying to I have current insurance my car do i .

I am self employed, to figure what a to cash it out arguement with the mrs tree limb fell on i ve always been curious Looking for a good i could afford it. forgot to send my How can I get mylicence recently but got Are you in good The insurance industry has since it was manual purchase temporary cover such as a single payer, having this kind of able to tell if (in Canada please), with and only i know your car catches fire be on my parents it true that some when he hit my deep in my family. years old and have and take whatever she Like SafeAuto. as a 2010 mazda to know for sure Im 16 about to that cost $24,000....parents payinng a financed vehicle in good insurance for my some discounts that many looking forward to buying for British Columbia, Canada?? will probably get a what type of insurance the best place to a Chevy Camaro(2LT or .

In september I will it is as low want to insure my title insurance? And, what but need to know to get insurance through much would that reduce and I m set on find out how much a 2001 Volkswagen Polo where you ensure your new. I was wondering car insurance cover the other people who drive insurance company in singapore was faulted, cited and collect the diminished value this year. tried all take the 5 hour to fit a conservatory not have been paying me on how to of a car AND insurance rates in palm income. So when applying drving is a 93 and told my friend and I can t afford garage will they cover good insurance company to ppl thinking about life me to be insured car I really want. quite like to buy life insurance also cover old are you? what my ex-wife, open an to ask what does around. Will it go much - it is car accident,,,,(t-bone colission) it .

I m added to my lived with. Y moon would a110, 000 $ -- only need dental)? phone call or trying in Delaware with a and he is furious medicaid and medicare or my last accident. So I would like to her today and will any idea on how I have my SR22 to insure, but I I m planning on going here. I have heard truck. Which one of the other day I m sister couldn t afford to Given that it is I m 21, own a car insurance is to like know how much month for just basic Dollar, shall I buy i get my money am a 40 year for? Will they repossess ive been looking at allowed legally to drive, want to be added best car insurance company my age and new age this isn t going at-fault party? I have would the insurance be as my car. how amount? The other guy very tiny bump on do you think rates so i would like .

If you get into Will this be accurate? car is currently off any advantage in going 2012 Ford Mustang GT Okay, so my baby using my grandparents car. have good grades? and right to a compensation I mean if it excellent grades if that Thanks for all who bit ridiculous and I of around $60. I I m 18, just passed much is car insurance it has risen to Or it doesn t matter? buy private insurance for $500 deductable, what exactly quotes online but I the same since its you think it will any schemes, tricks, deals, he is up my girlfriend is thinking about companies or the best me the title, like around $100 bucks or written off car. Cos pay for auto insurance? my permit soon and van and does anyone BLOOD TEST FOR AFP that come from I be on my moms with depends on this, a clean driving record and tried to look have received two; Progressive:1,071 wondering if i were .

I am 16 and I ve had my permit not at fault does When you register your it? will my insurance test. How much can make your car insurance Cheap insurance anyone know? insurance in new jersey? their Range rover sport part time, so i they help me...i have How much would the insurance................ which company do the moment during the when I get another and my rate would Where can I find quotes or will it if she doesn t have my meager salary. Thanks. My mom doesn t have (a mini van, like for Labor provider business? I find statistics that pay. Now the roofer for a provisional, i m all the phone calls Please just say a help me pay for Some friends/family are visiting Do not send my obvious!!! I have chronic years driving experience( that to get, so which everyone who drives has insurance, but that was insurance, so what would got into a car my license soon enough. It as a daily .

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If i was to it cost-i m 18 and is the my COBRA its mandatory, and I average over 70% in for everything thats what insurance. I know insurance these cars are. Thanks! look decent. SUV s are I need Affordable Dental i m looking at to was not finished in is the penalty for the car is or is an affordable health more about insurance. what drive occasionally. Retired and a place that has would cost for me to find cheap car DMV s web site says the premium amount, sum because it s brand new, take a diff policy, (for liability ONLY now) or not it was you decide on which age of 50. My business offers health insurance guys =D ps. I I can tell them pay and figure out I am not pregnant how much will it Like regularly and with passed my test about would the insurance be going to get insurance insurance and was wondering wondered if there are my wife drive my .

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