Hey bitches! I had an unexpected death occur back home while I’m currently living internationally. Despite the expensive plane tickets (damn you, American Airlines!) I made the decision to buy the tickets on my credit card. However, now I’m worried that I’m going to snowball into debt. I’ve always paid my credit cards on time and in full and my statements are always $0/month because I pay everything off. Do you have any advice for how I can make this unexpected expense go away quickly?!

Deep breath, babycakes! We gotchu. Here is our guide for the best, easiest, and fastest ways to pay off that unexpected credit card debt:

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche 

Stick to a plan and be a little more frugal in the coming weeks if you can. A credit card is a tool, and you shouldn't be afraid of it.

Weirdly enough, I ALSO had to buy some expensive airline tickets to visit a dying family member recently. And I ALSO put it on a credit card because it was an unexpected expense. I will literally be using one of the methods in the above article myself. Call it Bitch-tested and Bitch-approved!

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you're in the habit of denying yourself things.

if someone asked you directly, you would say that you love a little treat. you like iced coffee and getting the cookie. you drink juice out of a fancy cup sometimes, and often do use your candles until they gutter out helplessly.

but you hesitate about buying the 20 dollar hand mixer because, like. you could just use your arms. you weren't raised rich. you don't get to just spend the 20 dollars (remember when that could cover lunch?), at least - you don't spend that without agonizing over it first, trying to figure out the cost-benefits like you are defending yourself in front of a jury. yes, this rice cooker could seriously help you. but you do know how to make stovetop rice and it really isn't that hard. how many pies or brownies would you actually make, in order to make that hand mixer worthwhile?

what's wild is that if the money was for a friend, it would already be spent. you'd fork over 40 without blinking an eye, just to make them happy. the difference is that it's for you, so you need to justify it.

and it sneaks in. you ration yourself without meaning to - you don't finish the pint of ice cream, even though you want to. the next time you go to the store, you say ah, i really shouldn't, and then you walk away. you save little bits of your precious things - just in case. sometimes you even go so far as putting that one thing in your shopping cart. and then just leaving it there, because maybe-one-day, but not right now, there's other stuff going on.

you do self-care, of course. but you don't do it more than like, 3 days in a row. after that it just feels a little bit over-the-edge. like. you can't live in decadence, the economy is so bad right now, kid.

so you don't buy the rice cooker. you can-and-will spend the time over the stove. you can withstand the little sorrows. denial and discipline are practically synonyms. and you're not spoiled.

it's just - it's not always a rice cooker. sometimes it is a person or a job or a hug. sometimes it is asking for help. sometimes it is the summer and your college degree. sometimes it is looking down at scabbed knees and feeling a strange kind of falling, like you can't even recognize the girl you used to be. sometimes it is your handprint looking unsteady.

sometimes it is tuesday, and you didn't get fired, and you want to celebrate. but what is it you like, even? you search around your little heart and come up empty. you're so used to denying that all your desires draw a blank.

oh fuck. see, this is the perfect opportunity. if you had a mixer, you'd make a cake.

Tah's Debthelper Success Story

dude money is coming out of nowhere i am so happy

Who's Your Master?

Who’s Your Master?

Romans 6:1-14: Shall we go on sinning so that Grace may increase? (“Hayl no!”) We’re the ones who have died to sin; how then can we live in it any longer? Or don’t you know that all of us who were baptized into Christ Jesus were baptized into his death? We were therefore buried with him through baptism into death in order that, just as Christ was raised from the dead through the glory of the…

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*tries to organize my thoughts*

*remembers i'm not in school and therefore beholden to neither heaven nor hell nor any man's grading system*

*joyously shredding & tossing all my carefully arranged 3x5 mental notecards into the air like so much beige confetti. raising my arms in victory, cheering raucously until i accidentally inhale bits of homemade confetti*

(*coughing up itty bits of paper like a cat evicting a hairball with a firm understanding of tenants' rights*) wait wat happens next

Ways I am getting out of debt

My plan to currently get out of debt is to:

1. Move the high interest down to a low interest card if I am eligible.

2. Get as many extra jobs and sell things on Ebay that I safely can.

3. Pay off the debts one at a time by paying a little above the minimum of every credit card/debt. Choose a card with the lowest principle (I am aware this is for emotional, “get the ball rolling” victories) and put every bit of money that is not for savings/living expenses on the card. Once that card is paid off take half of the original minimum payment of when I have started this and add it to the saving automatic withdraw.

4. Currently have $185 out of every paycheck going into a separate savings account that I do not touch (the amount will increase as more gets paid off), at the end of the year take all the money in it and put it toward debt.

5. Any extra money that is given/comes to me goes straight to financial freedom.

Unified Credit Solutions are highly recommended for debt collection in Singapore because the company already earned the trust of many people and stable for more than 30 years. We have a complete team of professional who works very delicately and recover debts easily.

Methinks its time to move back home actually

its so weird seeing posts that mock uncle jim for worrying about li ming's queerness as though his dead boyfriend's parents (legally) stealing his entire life savings and leaving him to manage a restaurant business specifically because gay couples aren't legally recognized as couples wasn't what put him in a cycle of crushing debt and endless poverty in the first place

Nothing to say this morning except FUCK this country lmao

Juan's Debthelper Success Story

I recently read "Unmasking Autism" and it felt like coming home. (I have been misdiagnosed my whole life.) I was so excited to find community and start meeting other people like me. But now I feel alienated--I feel like online Autism is basically a leftist political identity. It's fair to assume we all care about disability justice, but we don't all have the same beliefs about Israel and Palestine, for example, nor should we have to. Is there Autistic community that is not explicitly political?

You better reread Unmasking Autism because you missed a fuckin lot if you think embracing your disability is not an explicitly political project. Maybe focus on the sections about the American police shooting Black Autistic men, and Israeli military members slaughtering Palestinian Autistic people.

hell. hell. hell.

PLEASE DO NOT GIFT ME BADGES

Tumblr is getting rid of avatars and no longer showing where a reblog comes from in post headers to “afford more room for badges.”

I always felt kinda bad when I was gifted badges and then didn’t use them, cuz people spent actual money on them. So I’m asking, please do not gift me badges, or any other tumblr merch for that matter.

I threw them a bone last year and paid for the ad-free because the ads and blazed softcore porn on the app were infuriating, but I’m canceling it. They’re not getting anything from me anymore. I’ll have to switch back to using the Firefox mobile browser. Hopefully the new dash un-fuckers that are going around will work on mobile.