#how to take care of your money
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Credit cards and Savings accounts 101
Hi!
Welcome to my blog post discussing how to arrange your financials as an early 20 something year old. We are going to go over credit cards, and savings accounts.
~This is entirely dependent on your lifestyle, too. I am someone who spends a lot on restaurants, rent, and groceries. I travel, but not constantly and when I do, it's usually with Spirit. That’s why I don’t have a credit card for traveling (more on this under the Travel section down). I haven’t done any travel credit card research. So if you’re a travel girlie, do everything I’m telling you below, and then add on a nice travel credit card after consulting www.nerdwallet or something. They will summarize the good ones on the market for you.
Keep reading! ~
Credit cards are really cool because it's a win-win situation for both you and the bank.
>It’s really fantastic for you since you get a lot of protection every time you buy something (if there’s a problem or scam, you can dispute the charge rather than trying to get your money back as with a debit card which is so much harder).
>You also of course get free money in the form of cashback, random benefits specific to each card, and can build your credit score.
[Credit scores can seem really shady but it's honestly an actually smart way humans in finance have managed to quantify a person’s “trustworthiness”. It sounds really dumb but banks need it to figure out who to loan their money to. Especially if you’re trying to buy a house and can’t come up with all the cash instantly. I foresee myself renting til the end of time so I don’t care too much about the house but credit scores can also help you get accepted for some of those really nice, more exclusive credit cards out there 0.0). The downside is that they’re really hard to build up (takes so many years) and can go down unbelievably easily like for missing one payment on your credit card.]
How do the banks benefit from the credit card system?
They earn transaction fees from the merchant (that’s why some smaller businesses sometimes prefer to be paid in cash), and depend on you forgetting to pay or giving into the allure of the credit card limit and maxing out. That’s when the fees and interest rates become astronomical.
SO,
Lesson 1: Do not forget to pay your bill each month! Set up Autopay a few days before the due date! Try to pay it off in full if you can!
Lesson 2: If you remember to do these things, you will profit enormously from the whole shebang and can make the system work for you. It literally pays to be financially responsible.
So, I currently have 4 credit cards. Discover Student, Citi Double Cash, Citi Custom Cash, and Bilt.
Equally important, I have a Citi Accelerate Savings Account.
Since Citi has some of the best cards and savings accounts out there, I also made a checking account with Citi.
In total I have:
Discover Student
Citi Custom Cash
Citi Double Cash
Bilt
Citi Accelerate Savings
Citi Checking Account
Our goal is to get the highest amount of cashback that we can on every purchase that we do.
Pro tip:
I’ve found it helpful to write down which credit cards to use for which purchases in a sticky note in your wallet if you need help remembering.
Spending Money:
Discover Student
This is a fabulous beginner card. It offers rotating categories for getting 5% cashback. This year, from January to March, you would get 5% back on Restaurants. Also, for the first year they double your cashback, so you get 10% back! That’s huge!! Every other miscellaneous purchase gets 1% back which is meh. They publish a yearly calendar with all the categories, and so for these three months, my sticky note said:
Restaurants: Use Discover card
Citi Custom Cash
This one also has rotating categories, but you choose the category that you want 5% back in. Since I was using Discover for restaurants, I chose groceries for this. Every other miscellaneous purchase gets 1% back which is meh. When Discover has a different category, like Gas Stations, that’s when I either pick restaurants for this or keep it at groceries, depending on what I’m spending more on.
My sticky note said:
Groceries: Use Citi Custom Cash card
Bilt
This is (at the time) the only card on the market that offers points on rent! Woah! Which is especially crazy because, as the creator of Bilt said, “rent is your highest spending category each month”. It is because of that precise reason that basically every credit card avoids paying rent and charges such an annoyingly high percentage for using your credit card to pay rent online. They don’t want to shell out 20 bucks a month for your 1k rent charge. Bilt gives you 1x points for each dollar you pay in rent. You can redeem these points in either cash (the lowest redemption rate) or in airline or hotel points (a higher redemption rate). I’m saving mine up for miles but even if you cash out, it's still not a rate to scoff at. Plus you don’t have to pay a credit card charge if you use their card which is bananas!
My sticky note said:
Rent: Use Citi Double Cash card
Citi Double Cash
This has to be my favorite. It was my first one and I used it for everything. Now that I have my restaurants, groceries, and rent covered, I use this as a net for all my other purchases. The Urban Outfitters planter, or a Target run, etc. You also can’t use the category cards for big stores like Walmart or Target (unless they specifically mention it) so this card is perfect for those. It gives 2% back for everything, which hella adds up. Now that you have all your bigger spending categories covered, Citi Double Cash comes in so absolutely clutch.
My sticky note said:
Everything else: Use Citi Double Cash card
Travel
There are some great credit cards out there that allow you to earn airplane miles or hotel points with purchases, or give travel insurance if you book using that card (I have had to use that more than once!). I don’t have one yet, but that seems like the next step in life. I’ve heard Chase has some good ones, and of course googling the best travel cards on the market is always the easiest route.
Keeping Money
Savings Account
Savings accounts have taken a complete 180 degree turn since a few years ago. Before, they would only give you a small percentage like 0.5% for the money you keep with them. That’s what your local credit union will give you. Now, there are accounts called High Yield Savings Accounts or HYSAs that give you anything from 4-5% back! Even if you have 200 dollars saved up, I would 10000% recommend opening one of these. It's the best place to store your money, and you can let it sit back and just let your money work for you. I have the Citi Accelerate Savings Account that gives me 4.47% right now, one of the highest on the market. There are some cards that match that interest rate or slightly higher but since I have 2 Citi cards already, I find it easiest just to have this one since everything can be in the same dashboard and it's easier to transfer money.
(https://www.citi.com/banking/savings-account)
Checking Accounts
This is just a basic account where usually people deposit their money from their jobs, and pay off their credit cards, utilities, etc., with. I have a Citi Checking Account because I’m integrated in their ecosystem and it's the easiest, but mine doesn’t earn any interest on money. This was previously unheard of but some checking accounts nowadays earn interest for you! The future is now. O.o
That’s all folks!
All of this is friendly advice. Even if you don’t go with any of these cards, I hope you get the idea of how to sit down, look at your spending categories, look at the cards available on the market, and play a little matching game to pair each category to each card.
Once again, I’m underlining the importance of having a HYSA asap rather than letting your money sit in a checking account, because that’s free money on it each month! Try to avoid opening a bunch of credit cards all at the same time because that will hit your credit score (once again, opening the HYSA won’t though).
It took me about four years starting as a freshman in college to get all four of these credit cards. Companies frown at opening more than 5 in 24 months (Chase’s secret 5/24 rule) but you can start with at least the Citi Double Cash one if not more. As always, you can come to me with any questions!
Xoxo,
mangoesforlyfe
#finance#credit cards#credit score#financial literacy#credit cards 101#finances 101#basic finance#how to take care of your money
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I was telling my sister about Titans, and she was like, “the whole Bruce/Dick/Jason storyline is like the prodigal son story, with the older and younger brothers' positions switched,” and I was like ohhhh???
#bruce is a VERY imperfect substitute for God the Father but CONSIDER the older brother — the heir#takes his inheritance (his supersuit and tech and weapons and porche)#and leaves telling his dad not to contact him#and the younger son receives everything that once belonged to his older brother#knowing how fortunate he is while also having to constantly hear ‘your brother did it this way’ ‘your brother was better at this’#all the whole looking up to his absent brother as his hero#he goes to meet his older brother while he is away and is met with a barrage of ‘our father doesn’t care about you or me’#‘our father will destroy you to accomplish his own ends’#‘no you don’t really know him — *I* know him’#‘being the eldest son isn’t an honour at all its a curse’#and THEN a little while later that same older brother returns and is welcomed home with open arms#their father gives EVERYTHING back to his oldest#ALL the privileges and love and honour and money and even a new supersuit#all is forgiven and given back in full — more than in full#and that’s wonderful and beautiful but what is the younger brothers perspective?#and THEN their father gives the younger brother into the older brothers care#‘go see how your older brother does it and then come back to me’#so he feels cast off by his father#and his older brother barely pays him any attention being preoccupied with his own issues#although he never abandoned their father and always did everything he was asked it’s his older brother who receives all the praise#after being beaten down again and again he finally returns to his father#and is welcomed but not with nearly as much fanfare as when his older brother returned#what is that going to do to him???#titans#titans tv show#titans tv#jason todd#dick grayson#bruce wayne#the prodigal son
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i’ve been meant to talk about this but a lot twt stans have been agreeing to this which is we should boycott hybe fully and genuinely! they openly work with zionists (here's a thread that explains more about scooter braun and why you should boycott) and according to what i just saw… apparently yoongi’s movie is gonna have a screening in isnotreal and even after all the protests trucks and hashtags and emails that have been sent to this company this past few months, it’s clear they don't care about what we have to say and so, as much as we all want to support our faves, we have to make this company's pockets hurt. by that i mean, not buying albums or merch or stream music from their groups until something is done! unfortunately, these companies only gaf if money is not put in their pockets! so please download music listen to music illegally wtv you need to do we need to unite this time to make them open their eyes and realize we do not stand for this
#this post is very much a summary#but i've been seeing more posts about it lately#and especially a lot of armys on twt have talked about how#they are taking action with this yoongi movie situation#if you support any hybe group you should do the same#it's clear as day that adding this screening date to that place#they don't care and will continue when something is not done#this has been going on twt and we tried to boycott last time#and yes 100% this is not organized but i just want you#to see these things and maybe rethink whether or not#you wanna support hybe in any way#and i'm hoping you think you don't want to#this should be a big movement and i think we all agree#that we don't wanna support groups especially knowing they work with zionists#and that said money might go to supporting that place and zionist institutions#so please PLEASE join this#boycotts are supposed to disturb your daily life and it's supposed to be#'uncomfortable' for you#we have to think that in the long run this is for something bigger than us#and our faves and kpop#so i'm genuinely asking to please participate and spread the word#tris.txt
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financial independence changed my whole outlook on life i really mean that. i will work my ass off and i will do it for MYSELF and it feels so rewarding to know that i dont have to answer to anyone about my time or money but ME. it gives me the motivation to do the best i can so i can give myself the best life possible u know
#talky cherub#JUST THINKIN ABOUT THIS#sometimes im so grateful for that 7 yr relationship ending because it forced me to take care of myself#well i mean. i have to answer to my job ALKFDLA but u kno what i mean. personal relationships. tjats what im referring to.#the other day#my mom was like . lecturing me abt something about my car and i was like gurl u dont pay my insurance. u cant tell me a thing#and she likes to tell me how to spend my money#DONT buy this DONT buy that#HELLO I HAVE A WHOLE BUDGET and u dont have access to my accounts . mind your business!#sorry for oversharing again <3#tmi cherub
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bro you are on the FANDOM WEBSITE why are you NOT supporting your fandom creators????? do you WANT us to stop??? do you want there to be no more art & fic?? because that’s what happens when you don’t reblog our stuff. this isn’t a threat, this is a reality. if there is no one here wanting to see our stuff we won’t post it. I’m not trying to guilt trip here, none of us are, we’re literally just saying that if there is no motivation to spend 10+ hours making fanart or 5 years writing a multichapter fic for free then we won’t fucking do it
^this shit? ridiculous. I LOVE EVERYONE WHO REBLOGGED & INTERACTED WITH MY ART! I LOVE EVERYONE WHO ASKED QUESTIONS & COMMENTED!! but so many of these people just liked it & left. this has been getting worse over the years, too. the reblogs to likes ratio has been getting crazier. I create because I love it, but if I have no reason to post, I won’t. fandoms dry up because of this. creators quit because of this.
we just need to stop acting like this is instagram, or that anyone cares what your blog looks like. people don’t see your likes, they see your reblogs. you want that favourite content creator to post more art? you want that writer to post the next chapter of your fav fic?? reblog it. share it. show them you care, because otherwise they won’t. this is a hobby we do for free. you consume our stuff for free. you aren’t entitled to it, so please just reblog, it isn’t hard.
#we aren't asking for money we're asking for you to hit a button#stop being a little bitch#this is tumblr. no one gives a shit about your ''aesthetic'' or whatever#no one even looks at who reblogs what on here#i'm sick of seeing people not sharing works out of spite & acting like wanting attention for our labour is bad#I SPEND 15 HOURS DRAWING YOU BETTER FUCKING REBLOG IT. I'M POSTING IT SO I CAN FEEL BETTER#AFTER SPENDING 15 HOURS HUNCHED IN A SHITTY CHAIR WITH MY WRIST ALL FUCKED UP & MY LAPTOP TRYING TO KILL ITSELF & ME#im not asking to be PAID im asking for you to share artist's & writers' works. we are 99% of the fandom's content#you want more content? fucking motivate us to make it. you are getting it for free. stop being an asshole & fucking reblog it#i'm so fucking tired of people with their cold ass takes#if i EVER like anyone's art & don't reblog it THAT WAS A MISTAKE. I MEANT TO REBLOG BUT TUMBLR GLITCHED OR I RAN OUT OF REBLOGS#i KNOW how hard it is to spend hours days YEARS on something & for no one to care#i am literally just asking for everyone to have some sympathy#like imagine if your employer started complaining about how selfish it is you work for free? that's this#you'd quit that job#YOU CAN'T COME TO THE FANDOM WEBSITE & COMPLAIN THAT FANDOM CREATORS WANT ATTENTION FOR THEIR WORK#EVERYONE WANTS ATTENTION YOU STUPID MANTHING IT CAME FREE WITH YOUR FUCKING HUMAN BRAIN
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not so fun fact
apparently if you're already disabled and you get hit by a fucking car while walking home from a college class then the dumbass's insurance wants to use your disability to give you less compensation money
Because "some of the pain you experienced in the aftermath was just from your pre-existing conditions..."
ex-fucking-cuse me?
if anything the fact that I was already disabled makes it worse? becasue it further disabled me?!!! It made my already painful body even more painful
what the actual ever living fuck
i knew insurance was a fucking scam but holy shit
anyways now I have to wait another 2 years for this lawsuit to go through so I can actually get my medical bills covered and get compensation for pain and suffering
fuck insurance and fuck this capitalist hellscape that allows insurance companies to take advantage of people like this
#also yes I have a lawer who is taking care of all of this cause hell if I know how to#disabled#disability#ehlers danlos syndrome#lyme#insurance is a fucking scam and all they care about is taking your money
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self care has been so twisted into serving capitalism and the patriarchy it makes me sick actually
#like the reason everyone started talking about self care was because people were getting burnt out by their jobs and lives in general#and like. specifically women who are usually expected to be selfless in their lives#self care was a way to reframe ‘being selfish’ i.e. taking time for yourself to relax#which was NEEDED BECAUSE CAPITALISM HAS INGRAINED INTO PEOPLE THAT THEY SHOULD FEEL GUILTY IF THEY ARENT CONSTANTLY PRODUCING LABOUR#and now ads are like. buy this leg waxing kit for SELF CARE you DESERVE it. buy this $90 foundation to hide your disgusting skin for SELF CA#RE#did you know it’s SELF CARE to meditate. but only about how you can be more productive and efficient#i see that one a lot on productivity reddit which i joined several years ago trying to manage my undiagnosed adhd and now i stay because i#find the expectations people have for themselves to be Wild#anyway if someone is telling you you need to buy something or spend money to exercise self care they do not care about your wellbeing they#care about getting your money#also if you’re a girl/woman and someone is trying to tell you that something is self care consider if they would suggest the same thing to#boys/men. like if they’re trying to tell you that cosmetics or hair removal or plastic surgery is self care they are lying to you#self care should be free and accessible and gender neutral and if it isn’t then think about who is actually benefiting
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“Piracy is still good too” Anyway, we are not paying for anime in 2024, fellas 🗣️.
#go back to your roots!!!#piracy#idk what to tell early 20 and below year olds tho um just learn how to pirate perhaps#who cares about competitors#remember how CR started off as a piracy site… now look what it’s become#this HD platform could just as easily turn into the same thing years down the line#you do not have to pay for anime bro#it takes like a second google search to find a decent piracy website that probably has every anime that you could possibly think of in the#world on the platform please save your funds#I’ve never paid to watch anime online anyway but man these services are beating you guys#rambling#please learn how to pirate#and burn cds etc#all of that#not even being mean to the person who left this comment#it’s just that you should not feel bad for pirating anything#buying physical media is a much more better option than spending money on another streaming service#if you want to support your favorite shows in any way do that instead
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I haven't read the Prince Lestat books and to be honest I don't know if I ever will, but I feel like even book!Lestat's ending shouldn't have just been him 'returning to his former home in France to act out some would-be vampire hierarchy'. Not even because I consider him to be some sort of exquisite exception or special vampire in the way that Anne probably did, but because the notion of him returning to his old family home makes little sense to me at all, based off of what it represented to him. Namely his terrible upbringing on account of his family's neglect and abuse, that in spite of (but also because of) he returned to take care of his old father (while also verbally berating him when he could). He also can't straighten out his own life even when it literally depended on that, so I can't take the monarchy angle seriously at all.
#lestat de lioncourt (book)#the vampire chronicles#lestat de lioncourt#I saw an analysis post about the PL trilogy and really I feel like the biggest issues I have with it beyond#anne rice's insane writing choices; is the decision to have Lestat 'rule' in his old home??? the home he kept running away from#in every possible way?#and this isn't to say that the framing or character aren't warranted criticism#but I feel like when discussing the lack of logic in this overall writing choice#you also have to consider his history with his family in that place and namely the abuse he suffered under#like......it's why I can't even make fun of the fact that he went back to take care of his ill father#despite what he and Gabrielle went through with him#because it's too often the reality of how abusive familial structures work#no matter how much you try to detach yourself from your upbringing or your former self#be it through money or in Lestat's case a literal change of what you are#you can't run away from your past unless you detach yourself from it permanently#so really the whole 'him going back to his home' would sooner be a tragedy than an intro to them all playing castle#I feel like in Anne's obvious favoritism of him and in wanting to write out her fairytale-like fantasies#through these vampires she forgot what actual character development is
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TW: 200th rant about the stupid "HP fans are all complicit in antisemitism and transphobia" discourse, brought to you by my OCD-induced suicidality.
I've by now become so wary of trans people and enbies on social media, especially Jewish ones. I'm like "this person is GOING to be on their Harry Potter bullshit and trigger the hell out of my OCD" and my hackles go up automatically. Then my OCD goes "haha you hate them because they're Jewish and/or trans, you're an antisemitic transphobe so they're clearly right about people who defend HP! SUFFER bitch!" Cue hell loop until my brain is flayed over anything nobody actually even said or did.
I don't even LIKE HP that much anymore, why is wanting to stop having PTSD episodes about stupid shit the thing that also dropkicks me down seven circles of hell??? It's made all the so-called "leftist" enclaves of the internet a minefield. Why are people with OCD everyone's favourite collateral when it comes to stuff shitty rich assholes do? Is it so fucking hard to stop making up thought crimes to attack people over??
It's an extra layer of horrible when the same people have no problems applying "no ethical consumption under capitalism" to stuff like Coca Cola and Nestlé products. Y'all can't possibly live without child slavery chocolate or making brown people drink Nestlé's toxic filth or anything that's subjecting Indigenous communities and people in entire Global South continents to long, lingering, horrible deaths, but this one franchise whose author royalties are funding the UK transphobic lobby is the one line that matters. Fuck all the trans people in those places I guess. Every single Global North consumer moral policing is western leftists's dehumanization of our people writ large. Fuck all of you.
#yeah i know i keep bringing this up. that's the nature of OCD#and the sheer prevalence of this rhetoric and the lack of opposition to it#sometimes it's like Im the only one speaking out#and it's because my fight and flight response is set to fight and I can't disengage#not because Im brave or something#in order to avenge the UK's trans genocide it's people like me all over the world#who can't even afford books and games#that need to be killed off first#when you're triggered into suicidality over and over because of your love for a book#that helped your child mind escape while cowering from the adults in your life#even without having paid money for anything HP related in years#how exactly are you supposed to rise above that#i've systematically lost my entire friend group to this clown circus this year#because apparently ''this thing you're doing is ableist and also making me suicidal'' is just me being lost in the fandom sauce#and not caring enough about real issues#it's no use singling out the western left anymore bc USAmerican internet hegemony means even my people take their political cues frm them#''you're being influenced by western imperialism'' went down about as well#as did ''if my wellbeing is not enough for you I literally know trans HP fans wth OCD who are suffering even worse than me''#harry potter#knee of huss#scrupulousity#pure ocd#actually ocd#western leftists#white queers
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when i tell students they have loan offers just to make them aware and they’re like “heh… nice try…i’m not taking those out, sorry to break it to you” like ok i actually don’t care at all it has 0 bearing on me or my job i literally just have to make sure you know it’s an option. why would i care
#it’s this deeply engrained belief that schools are trying to like trick 18 year olds into taking out loans#the school wants money right like they want your bill paid. if you can’t pay it yeah the higher ups are gonna suggest a loan bc they want $#but me and my fellow financial aid employees literally don’t care. our job is not to make the school money. our job is to help you decide#how you want to pay your bill#and if you don’t want to pay it we can help you figure out transferring or withdrawing#like we’re not trying to trick you we’re not evil we were students ourselves and some of us have loan debt too#like my god#ppl have been SO MEAN lately
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It's insane to me that this entire "debate" (if it can even be called that) is literally just
trans people, jewish people, black people literally everyone who has been hurt by bigotry: hey please don't spend $70 on a game about pro-slavery and fascism when a lot of that money will go to its creator who is publically bigoted and uses her massive amounts of wealth to fund the eradication of marginalized groups
and the response to that was: fuck you why can't you just let people enjoy things, harry potter personally saved my life
like. it's extremely telling that so many people value their own entertainment and nostalgia over the lives of others. jkr is such a horrible, despicable person and literally all people are saying is that yeah you shouldn't be giving a modern day nazi that much money when they constantly bring people to the alt right and donate that money to every anti-human rights organization you could think of.
and no i don't think sending people death threats is okay but at the same time, you don't get to act surprised, defensive, or victimized when people call you out for giving money to a fucking nazi.
#its so upsetting seeing all of this#people have put in so much work and energy trying to educate people about her#but it feels like we take fifty steps backwards whenever a new hp thing comes out#is it really that hard to NOT spend money on the fucking nazi game???#no!! it isn't!! no one is forcing you to give her money!!#people are literally detailing exactly why its bad to buy this game and every response is literally just fuck you let me do whatever i want#she literally donates to orgs that actively spread hatred and bigotry and resort to people killing themselves...#and youre surprised when trans and jewish people say they dont trust you?#when you care about yourself and your enjoyment of a piece of media over their lives?#you don't get to act surprised when people call you transphobic or antisemitic when you willingly give a transphobic nazi money#just cause you want to play the silly wizard game#and yeah sorry if it 'hurts' but no you can't be an ally while also buying this game#thats not how that fucking works#not to mention it literally fucking Astounds me when i see poc and queer people support this game..#she doesn't like you!! she wishes you were dead too!!#hogwarts legacy#like i genuinely dont care if you like hp but knowingly funding her hatred is not okay and i don't understand why people think it is
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after two weeks of relative freedom regarding what i eat, when i eat, when i shower, when i go to bed, what i want to do with my time, etc etc, spending this next week in a hotel room with my parents is going to be fucking Rough
#they’ve already gotten nitpicky about my eating habits and how much time i spend in bed and how much i’ve been sleeping andoh my fucking god#like. we got out of the car and went up to the hotel and i immediately got in bed because i was cold as shit#and my mom immediately started fretting about how i’ll spend too much time in bed in college and how she worries about me taking care of#myself on my own despite my repeated explanation that i was literally just cold and looking for somewhere to pass the time#like. it’s appreciated but mom. mother. madre. it is slightly overbearing please ;-;#and goddd the fuckin comments about food are NOT helping#like hi mom! please for the love of god stop saying you’re terrified about what i’m going to eat when you’re not there to supervise!#i already managed to halfway starve myself UNDER your supervision without you knowing and i’m fine now but jesus christ it is not helping#when you’re constantly telling me that i can’t go eat something ‘because you don’t need it’ even though it’s my time money and body#just. AGH#i sound like a whiney teenager i know but god i am. just. two days back with them and i already need a break#tw ed#tw ed mention
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Hate that I can prettymuch never move to any better country than America (Canada, Australia, New Zealand, etc) because they all hate people with autism and if you even have it they don’t let you in. Because they need all the disabled slots for the people born there, why would they take EXTRA ‘useless’ people, duhhh LIKE IM NOT USELESS I’m really good at organizing I’m not a massive burden to take on just because I cry sometimes my benefits and burdens kind of even out PLEASE guys. I don’t want to be stuck here during project 2025 onward
#I wonder. If you’re a refugee because you’re gay. Can they still refuse you for autism#IF. If. We started getting persecuted for that. Like project 2025 plans to#lion’s lair#I want out of this hellhole#But literally only countries worse than us don’t care#Countries that otherwise have sense basically just see autistic people as#Pardon my slur. ‘Retarded’. And whyyy would we accept a ‘retard’ they don’t like. DO anything for us#“They’re gonna COST us money! So let’s not take them”#I DO STUFF. And hell. Even if I didn’t. Even if I was completely non functioning#And needed around the clock care. MY FAMILY STILL DESERVES TO BE ALLOWED TO MOVE#What. You have to abandon your autistic kid just to move somewhere safe? Fucked#Sorry to put it bluntly I just feel like. That’s how those countries see us#As the slur word. Not as on the autism spectrum. But as ‘retarded’.#Because if they actually knew how autism worked and that it wasn’t as simple as slapping a slur on it and moving on#They’d know that people with autism are fucking people. With valid feelings and ideas#We are NOT just a blanket slur word for ‘stupid people’. We are not stupid#I put the word in quotes every time to make sure everyone knows that isn’t MY feelings about it#But my interpretation of someone else’s feelings#IM fucking mad about it#autism
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yes yes odalia is a horrible mother who emotionally abused her 3 kids for 16 years and that's why she would be a horrible influence on the collector so instead ppl are clamoring for the collector to be adopted by eda or camilla. but consider this: the collector being luz's sibling in law would be so fucking funny.
#toh#the owl house#the collector#odalia blight#i see your collector nocedas and collector clawthornes#but the comedic potential of a collector blight#i genuinely think being forced to take care of the collector against her will would fix odalia somewhat#the one time i think stockholm syndrome would make someone better#odie cant hurt the collector like belos did#shes not powerful or manipulative enough and shes perpetually afraid the collector will turn her into a toy#she is a girlfailure in manipulation all 3 of her kids broke out of her manipulation compared to belos who i think is a girlboss#odalia has no panache! no long-term goals except heeheehoohoo make money#which is why i didnt like how she was portrayed as wholly evil like belos since she doesnt have the dramatics for it#that portrayal falls flat on its face which coincidentally i think odalia should have done more bc she has the comedic energy for it#this wont happen in the show ofc the whole mamadalia thing is played off as a joke#if the show took it more seriously id say smth about amity being mad her mom only cleaned up her act now and not for her own kids#but rest assured this is just a shitpost#but i do think it would be hilarious if the collector stayed with odalia after All That#like none of the hexsquad approve and he still gets Parented by eda camilla and other adults#but he lives with mamadalia bc her pizza bagels are great i think it would be very funny#odalia squaring up against eda and camilla to fight over who gets to be a mother of 4#shut up pandora
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can HSR and HI3 players please just stop with picking on Genshin players already? we all like Hoyoverse, there is literally no reason to trash on the other games to try and get people to play your favorites. if anything you've only made Genshin players avoid HSR and HI3. you've accomplished nothing.
this post is not about the rewards players of each game get, I'm only talking about the Hoyoverse fans who trash on Genshin just because they think the other games are soooo much better and their opinions are better than "those stupid Genshin players'"
seriously, stfu. it's a game. if you don't like it don't bully people who do. and especially don't follow it up with "my favorite game is better" 😐
#hoyoverse#genshin impact#and if i see any reblogs or comments doing the same i will delete them. end of story#if you're one of the people who does this you're the problem. you're actively making the hoyo fans hate each other more by doing this.#just play your game and let people play what they want. it's not your life so it's none of your business#and yeah genshin has shitty rewards#but at least you can play for free and still enjoy the game.#not saying the other hoyo games aren't f2p but genshin is and that's part of why it attracts so many new players.#not just that but since Inazuma was rushed Hoyoverse has been making an effort to make the story better and less rushed.#idc that most patches are filler either. that's literally how it works y'all not every patch is going to be packed with lore#games take time to create and good stories can't be made for a game like Genshin in just three months.#if you don't believe me just look at Inazuma. they rushed that and tried to fit 5 acts worth of story into 3 and it did not go well.#games are passion projects and while i do agree that Hoyo wants your money it's important to remember that every game company is like that.#Genshin is not better or worse storywise just because the company can't make every patch not filler#or because Hoyo wants your money. like that's how it works what did you expect#the point is#the players who play Genshin for the story are having a great time and if you dislike that aspect just don't play it or engage with it.#the writers obviously care about Genshin enough to put massive amounts of effort into making it detail heavy and interesting.#if you think otherwise too bad ig that's not the game's fault#Genshin isn't your thing if you don't like the story. move on.#sorry for the rant#I'm not having such a good time and Hoyolab + the HI3/HSR community are so mean for no reason to Genshin players.#anyways thanks for coming to my ted talk
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