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butchniqabi · 8 months

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hiiiii happy black history month from your favorite black part-time poet! ive gotten a job that doesnt completely wreck my mental health but im averaging around 15 hours a week so im still super broke! i opened commissions but things have been too crazy with my health problems and mental state for that to be something that consistently brings income. if you wanna toss me a dollar i'd greatly appreciate it, it would go directly to helping me and mama butchniqabi :)

pa/pal and v-nmo are both: klarthur

thanks!

#this is worded lightheartedly but im averaging like....130 dollars a week maybe? monthly income isnt enough to help with bills #im also trying to save up for a car which has been proving impossible

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britneyshakespeare · 2 months

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you know someday i'm gonna feel so good when i have my student loans paid off

that ain't gonna be soon, trust me, but i think about it

#i've been saving so much for it that i paid off over like $2k in the last 2 or 3 months #it's just thinking about how the amount of interest goes off that drives me literally crazy #and my monthly amount i owe is like just under $120 #which to some people as a regular bill is more manageable than others. but as i have an irregular income #as a substitute teacher it's something that gives me a LOT of stress.#which is another reason i've been overpaying. in case something happens/i can't get a lot of work #it defers the next due date.#that way it's not urgent but yet i still *feel* it all the time #debt is a crazy kind of thing #and to think that my loans are from COMMUNITY college. two years. publicly owned #when i start taking classes again soon. i currently have enough saved that if i take like ONE class #i can pay out of pocket. and i think im only gonna take one class to start anyway #which will also help with the deferred payments #see i just fucking hate having to think practically about money like this #tales from diana #idk how ppl leave high school and go straight to live in a dorm room at a private university for four straight years #and rack up tens to hundreds of thousands of dollars in debt.#first of all that lifestyle was not accessible for me to begin with. even when paying it was such an abstract put-it-off thought #as it is for so many 18-year-olds who are told not to worry about where they apply.#but i had under $12k to repay when the student loan debt was unfrozen last fall #and it's been weighing on me soooo heavily since then. i think about it every damn day #it's like the money i make isn't even mine. it goes straight to mohela and food #keep in mind i also live w my parents & am on their health insurance so someday there'll be moooore bills!!!!

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fishing-lesbian-catgirl · 1 year

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Oh baybee I’m doing fuckin finances

#adding one monthly payment after another while my monthly saved income dwindles is a little depressing #but hey at least this job gives me enough to more than pay for everything

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timelord-of-the-moon · 3 months

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Hey could any of you guys give me some advise on repaying student loans?

#so i have to start repayment on my federal student loan in a few days and its almost half of my monthly income right now #its only 300 something a month but im an intern and i dont make much #now ive applied for deferment since the managment and financial people at my internship said they could do that #but i put in the paperwork and months have gone by no responce #and i also applied for the save program thing back in the fall and never heard back #im gonna call the loan provider tomorrow but idk what even to say

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translucio · 4 months

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saw an apartment listing in a decent price range that is close to a bunch of cool places i like and looks cute and nice and allows pets.... and becomes available in late aug when i would be able to move.... pondering

#i miss wa and the pnw in general so baaaaad #its within waking distance of a bunch of restaurants and a creek and a botanical garden which is apparently free to visit #and a short drive from a bunch of places i liked to go when i lived there #it really feels like a sign......#paying rent and utilities would cut my monthly income in half but i make enough and have enough saved up that i think itd be worth it

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thefirstvessel · 6 months

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Love getting lectured by my stepfather about the kitchen after I share some of what I was cooking with them. 😑

I already tend to avoid using the kitchen bc of how cluttered and messy Mom tends to leave it... and now I feel like I'm getting punished for offering y'all some of my cooking.

#groceries are fucking expensive and i was being nice #i cant wait for rent to drop enough that i can afford an apartment plus my car payments #like- i get that cleanliness is a sysphean task of constantly keeping up... but I can barely handley own mess sometimes #add in having a constantly full sink bc of my moms untreated ADHD and its suddenly much harder to just clean up after myself #im in my 30s with a full time accounting job - why tf can't i afford to live on my own with solo income in this area?#like- the moment I started making enough to actually think about living on my own #I was saddled with sudden car payments that take out about a third of my monthly income bc my old car died #AND down payment for that completely ruined what relocation savings I had #so we had to put our hunting for a studio job on hold... again #im just ... so tired #vessel talk

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digitalgoodsf · 1 year

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anotherpapercut · 1 year

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I don't really understand what people mean when they say they were never taught how to "balance a checkbook" which I'm assuming people think is the same thing as budgeting?? like. what is there to teach

#because who uses checkbooks anymore #balancing a checkbook is literally just making sure youre expenditures match the amount of money in your account #and budgeting is just basic math. like I do my budget every month by subtracting some numbers #and then dividing a couple times #my basic formula is (total monthly income) - (bills/necessary expenditures)#then divide the result by 2. half of it goes into a savings account and the other half is divided by 4. and that is my weekly spend limit #that way all necessities (including gas/basic groceries/weed) are fully accounted for and im putting some mkney away #while leaving myself some as well. even if its only like $10 going into my savings its better than 0

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toastsnaffler · 3 months

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what if i just killed myself

#the entire fucking REASONNNNN i titrated through right to choose was bc they said GPs will accept shared care after!!!!!!#i CANNOT fucking afford private meds. i can afford a few weeks to finish titration but i dont have the income/savings for more #like the meds for this month alone cost £150. and thats on top of 25 quid for the prescription n more for any communications #and yeah i wouldnt have to pay the monthly titration fee after that but its still 200 quid a month plus a mandatory 200 quid review yearly #plus extra every time i want any changes to meds itd work out at like 10-15% of my annual income before tax jesus fucking christ #they said someone would get in touch with more info and they havent and im uughghjgf. please dont do this to me #i dont even want to send a follow up message bc id get charged for that at their stupidly expensive rate per minute #man i just. i cant think about this right now its making me so anxious #lets just get to the end of the process and ill pay for discharge/referral and if my gp refuses then ill deal with it from there #i need to look into my workplaces healthcare coverage bc thats another option i could get private treatment covered through them #but i may still have to pay for my own scripts and i dont want to be tied to my work like that..i mean i can go back to being unmedicated #or switch gp until i find one that does accept. and maybe they will straight away so ahhhhhh. its okay its okay lets just see #one thing. at a time. im not going to panic about it #i haveto call friends now anyway so i need to stop spiralling abt this wah #.diaries #whats the fucking point of having public healthcare if u cant even get ur fucking treatment covered by it this country is DOGSHIT #AND MY PRESCRIBER SPELLED MY NAME WRONG THREE TIMES IM SO PISSED OFFFFFFF

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abra-ka-dammit · 10 months

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welp

scratch pay denied me a loan. discover denied me a loan. paypal wont let me have my ko-fi money yet. i have no idea what to tell these ladies when i go in to the vet today

the surgeon was talking like she may have gathered enough compassion funds from people in the office who love bojji and want to help him get past the finish line that money is trying to keep him away from to at least cover some of the rest and she was saying if i could even just sign a promissory note for the boss there for another $1500 they can apply that so uh. hopefully i'll be able to find 1500 to spare by the end of december that isnt already going to the debt and he doesnt have any new surprise issues that will up the price too far again

assuming paypal releases my ko fi funds before i have to pay that though, im already almost halfway to that amount--if i can just keep getting donations at this rate when paypal releases this money maybe i can have enough to just hand that amount over and seal the deal so i can just worry about the monthly payment on the care credit instead of simultaneously stressing about new sources of imaginary money to indebt myself with further

#unless i apply for a seedy loan from one of those places thats like NO CREDIT? BAD CREDIT? GET A LOAN ANYWAYS :)#though.... even they might deny me #once they get a glimpse of my credit card balance and income i think any financial company gonna yeet me lul #look man i know it LOOKS dire numerically. yes half my lousy monthly income goes to rent. yes my credit card is at abt 12k.#but im over here eating one measly excuse for a meal a day. im over here almost never spending on fun shit.#what money i do spend on fun shit has now been canceled which will be saving me a whopping like $18 a month #ill turn off my internet temporarily if thats what it takes #my biggest unnecessary expenditure is coke zero which while it will be stressful will be wholly possible to Stop Immediately #do not doubt the amount of wiggling i am willing to do to make room if it means saving my cats life

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genderqueerdykes · 26 days

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new items added to our Ko-fi shop!

hello, my name is equinox. i'm a multiply disabled intersex trans lesbian who is currently applying for disability. until it is approved, i need to be able to make ends meet. i deal with schizophrenia, bipolar disorder, hypermobile ehlers danlos, psoriatic arthritis, degenerative disc disease, and other health issues. currently my shop is my only form of income. i currently need help saving up for my monthly rent and my phone bill.

my rent is $178, and my phone bill is $15

$0/193

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ionicheart · 2 years

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Having those after 9pm thoughts again

#is all my savings as deposit and half my monthly income for rent a good financial decision

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ralfmaximus · 5 months

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A Seattle-area guaranteed basic income pilot gave low-income residents $500 a month to help reduce poverty. Employment in the group nearly doubled, and numerous unhoused residents secured housing. The Workforce Development Council of Seattle-King County launched a 10-month guaranteed basic income pilot program with 102 participants in fall 2022. New findings by research firm Applied Inference reveal that the $5,000 total payments improved participants' quality of life, housing, and employment outcomes.

Oh gosh look: another successful UBI pilot program.

Not only was employment doubled in the test group, their savings increased, and health & life insurance coverage tripled. Many participants got health insurance for the first time.

It's time to roll this out nationwide and with more money. The return on investment is undeniable and would be huge if it applied to everyone.

#universal basic income #ubi #seattle #2024

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cassiefairy · 2 years

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4 Simple ways to live a more frugal lifestyle this year

Many of us are feeling the pinch this year, with outgoings increasing and sometimes not quite enough money coming in. So, how do you make savings without giving up the things you need? Here are a few ideas to dramatically cut your costs and enjoy life:

Collaborative feature Let’s face it – we could all do with a little more money in the bank. And your personal finances are linked to your mental health. Having savings available for a rainy day can help to reduce stress and means you will be able to cover that heating bill when it arrives. But how can you save money when your expenses are fixed? Well, now might be the time to make some bigger…

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#bills #finance #finances #frugal #fund #income #Lifestyle #management #money #money saving #monthly #outgoings #save #saving #thrifty

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datainsights2022 · 2 years

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Household Consumption Expenditure on Transportation per Household in Singapore (2010 - 2021, $)

Singapore had a household consumption expenditure of $7,148 on transportation per household in 2021. It recorded a growth of 11% in 2021 compared to the previous year. Between 2010-2021, the household consumption expenditure on transportation per household in Singapore decreased by 20.9%. The indicator in Singapore was highest in the year 2017 and lowest in the year 2020, between 2010 and 2021.

Transportation is one of the leading household expenditure types after healthcare, housing, and food. This indicator refers to household consumption expenditure on transport, per household. Data includes expenditures incurred by resident households on transport which includes spending on motor vehicles (purchase and operation), motor vehicle parts, accessories, fuel, maintenance, repair, and public transportation (ground, air, and water).

Household Consumption Expenditure on Transportation per Household: Global Scenario

According to GlobalData, some of the countries with the highest household consumption expenditure on transportation per household in 2020 were Luxembourg, Iceland, the United States, Norway, Israel, Canada, Ireland, Denmark, Singapore, Germany, and Sweden.

Ukraine, Colombia, Bosnia and Herzegovina, Azerbaijan, Thailand, Slovakia, Serbia, Bulgaria, Croatia, Czech Republic, and Estonia were some of the countries with the lowest household consumption expenditure on transportation per household in 2020.

Between 2010 and 2020, Romania, Ukraine, Lithuania, Iceland, Latvia, Estonia, Poland, Azerbaijan, and the United States were some of the countries with the highest growth in household consumption expenditure on transportation per household.

Colombia, Greece, Australia, Turkey, Bosnia and Herzegovina, Mexico, Italy, Norway, Malta, Cyprus, and Singapore were some of the countries with the lowest growth in household consumption expenditure on transportation per household, between 2010 and 2020.

#Singapore Household Consumption Expenditure on Transportation per Household #Average Household Budget in Singapore #Average monthly household income Singapore #Average Singapore household savings

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digitalgoodsf · 1 year

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