#im so worried about my bills and if my bank account goes into the negatives
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#my life feels scary right now#im so worried about my bills and if my bank account goes into the negatives#idk idk idk idk#this system wants me dead#my house manager tried to justify dmh taking 75 percent of our income#she is a fucking bitch like quit you asshole go somewjere else where poor people dont rely on you for help amd#and she lies and is hostile a lot and im just so tired#i cant do this or at least it feels that way#my wires are starting to thin and i dont want to snap#hahahaha when you're struggling because you get 200 a month and dont qualify for food stamps#when you get 200 and it goes to your billsand you cant afford to do laundry#when you get 200 a month and feel horrible because you cant even take care of yourself#so sick of the looks i get when i say i cant work and how i should and i cant fucking handle it ok#last week ish one of the staff here told me no matter how far i transition that shell always see me as a woman#my dysphoria is bad my financial situation is bad my brain is bad#im wearing thin and all i wanna do is binge until i vomit but i cant :•)))))))#i cant force myself to vomit for some reason but i want to vomit i want to vomit till theres nothing left of me#spill the beabs
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4 Embarrassing Money Mistakes I Made This Year (& How I’m Avoiding Making Them Again In 2019)
In the immortal words of Hannah Montana,“Everybody makes mistakes. Everybody has those days.” So the next time you catch yourself harping on about all of the money mistakes you’ve made this year, remember: it’s totally fine and normal if you’ve have your fair share of slip-ups, so long as you use them as teaching moments.
Personally, this year, I’ves screwed up a number of times. Some of my blunders have been more serious than others, but thankfully none were life-destroying. Like most people, I’m still figuring out how to use my income wisely and budget in a way that aligns with my future goals. I’m also learning what my triggers are that lead me to impulsively spend on things with have no real purpose in my life, so that I can save more. And with the new year just around the corner, I’m taking time to reflect on four of my biggest embarrassing money mistakes I’ve made this year, what I’ve learned from each of them, and how I’m planning on improving my relationship to my finances so as not to repeat the same mistakes in 2019.
1. Not budgeting properly for gifts for special occasions
I only typically buy gifts for my immediate family members (mom, grandma, and step-grandfather) for birthdays and Christmas every year. Since all of their birthdays happen during the latter half of the year, I don’t bother to budget for their presents or a restaurant date with them until June or July — sometimes even waiting until August for my mother’s birthday in September. Well, that strategy turned out to be the worst thing I could do. This year, when it came time for my mother’s special day, I was running low on funds. I ended up having to pay for my mom’s birthday dinner on my credit card (not ideal), because there was no option for staying at home. Going out for a nice meal is a tradition for us. While using my credit was a great quick fix, I did end up paying a little interest on her present because of poor planning. I refuse to let that happen again, so starting in January, I’ll be putting aside $30 – $40 a month for birthdays and the holidays so that when they roll around, I’ll be financially ready to treat my loved ones without guilt or worry.
2. Taking out everything in my bank account without accounting for automatic payments
Earlier this year (April? May?), I decided I need to stop buying takeout food so damn much. I went on an all-cash diet. In order to complete what seemed like an impossible mission to me at the time (I was addicted to Seamless, okay?), I made a rule that I would take out all of the money in my bank account and divvy it up into different spending categories. Whatever I set aside for food was all I was allowed to spend on food. Before taking out the cash, I made sure to pay for my cell phone bill so I wouldn’t have to worry about overdrafting by mistake. Well, joke’s on me, because it still happened, thanks to my lack of foresight.
Not even a couple of days into this all-cash diet I created for myself, both the money for my Netflix subscription (which I’d forgotten about) and dues for the digital freelance group I’m in (ditto) came out of my account on the same afternoon. Yikes! Once I got the notification from Chase notifying me that I was now in the red, I thought, I’ll just put money into my account tomorrow money. I should be fine. Reader, I wasn’t fine. The next day, good ol’ Chase slapped me with $34 overdraft fee, which I could have avoided if I had just gone to the ATM as soon I saw the negative balance, as Chase doesn’t penalize you if you get yourself back in the green the same day you’ve overdrafted. Lesson learned: always leave some cash in your bank account as a buffer, and if you overdraft by mistake, deposit money to get it back to a positive balance as soon as you can.
3. Paying late fees on my credit card because of laziness
Do you ever have those moments where you know your credit card bill is due soon, like in the next couple of days, but you forget about it until it’s been sitting unpaid for days or weeks on end? No? Just me? Okay. Well, I’ve done that twice this year, and honestly, the late fees I ended up paying because of my sheer laziness were completely avoidable. So as to avoid paying unnecessary late credit card fees for as long as I have a line of credit open, I’ll be setting reminders on my Gcal and writing down the due date for my credit card in my planner. That way, I’m always hyper-aware of when it needs to be paid. When I get to a position to do so, I’ll be setting up automatic payments so I don’t have to worry about doing that manually. Lastly, I’m going to try and keep my usage of my credit card to a minimum so there won’t be a bill to worry about in the first place, since nothing will have been charged to it that I need to pay off.
4. Completely abandoning my side hustle
Okay, this point isn’t technically embarrassing, but it could’ve save me from aforementioned embarrassments if I had only done it, and that’s my tried-and-true side hustles — mystery shopping and focus groups. I didn’t stop doing them because they stopped being lucrative or good avenues for extra income, but rather, again, out of sheer laziness. And honestly, I’m so disappointed, because I could have used the money!
Similarly to how I go into mystery shopping, which I’ve written about before for TFD, I’ve worked with a handful of marketing agencies in the past who have put me in a host of focus groups whenever I fit the demographic for market research they were doing for companies. Each time I’d participate in a focus group, I’d easily get $100 – $200 for an hour to two hours of my time. Talk about really easy money. Well, apparently not easy enough, as I gave up on doing them, and the agencies stopped calling me once I showed disinterest.
Next year, I’ll be registering with some new marketing agencies who run focus groups so I can start earning from them again. They’re so easy and don’t require much from participants other than their opinions on products. Same goes for mystery shopping. I’m going to take at least one weekend every month to do a bunch of mystery shops and stop making excuses about why I can’t take on a side hustle in addition to my main gigs as a freelance writer. If I’m going to be a true hustler, I can’t continue leaving money on the table!
*****
For as long as I’m alive, I’ll keep on making silly mistakes. But that’s just part of being human, isn’t it? All I can hope for is that I’ll be able to bounce back from each and every one — and better myself as a result.
Shammara is a featured columnist at The Financial Diet. When she’s not writing about her financial woes, you can find her on Twitter sharing her thoughts on beauty and fashion trends and pop culture.
Image via Unsplash
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Source: https://thefinancialdiet.com/4-embarrassing-money-mistakes-i-made-this-year-how-im-avoiding-making-them-again-in-2019/
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How much do you pay for full coverage car insurance?
"How much do you pay for full coverage car insurance?
i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr
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Will my car insurance rate go up if I got a speeding ticket? Im in California. This is the first one ever, and I've been driving for about 4 years now. Anyone with an answer? Thanks in advance!""
Car insurance rate differences between the years question?
Okay, I'm almost going to be looking for car soon, and I'm wondering, since I'll only be a 16 year old boy, insurance will be really damn high for me, and I was curious, say you have two cars of the same model, trim, style, transmission, driving record, miles, engine wear, etc. One car is something made in the late eighties or early nineties while the other car is late nineties or early 2000s. What I basically want to know, is, which car would have a cheaper insurance premium? (approximately. I know you cant give me an exact number.)""
""Both Canidates say they will make insurance affordable, no #'s are given - what is affordable?""
Both Canidates say they will make insurance affordable, no #'s are given - what is affordable? Some people cant afford $2.00 a week or a month...they are living on nothing. My ...show more""
Looking for health insurance?
I am looking for a health insurance. Which way you found yours? Are there special topics to look about? Would be happy about your advice :-)
Car Insurance question?
I am 17 years old, and I have a provisional license. I was wondering if it was legal to drive my parents car without me added to their policy. I live in New Jersey.""
""Which is cheaper for liability insurance, in Alabama: Geico, The General, or 21st Century?""
I am buying a little beater, just need some el cheapo liability..cant compare w/o VIN number, don't have that yet..""
Medical insurance coordination of benefits help?
Husband & wife both have group medical insurance with their employers. His insurance is a bucket plan through Cigna called an HSA. It pays for the first $750 & then he has to meet another $750 before anything else is pd. Her insurance is Healthlink PPO with $250 deductible. If husband's insurance pays for his chiropractor bills in full (as not over $750 total) can these bills be submitted to her insurance to help meet the family deductible of $500? We live in IL. Any help would be greatly appreciated. Thanks!
Are lincoln town cars cheap to insure?
i am thinking about a new car. i am 20 years old; no tickets or accidents the car i want is a 2000 gray lincoln town car with low mileage i drive on average 15 miles a day and can afford gas and repairs. i dont want no cadillacs or imports
Can i use my car insurance to pay for damage to my car?
Some idiot decided not to own up to denting my car at the weekend, so now i am left to foot the bill which judging by the damage is not going ot be cheap. The moron whoever he/she is has dented both passenger side doors. As i have never been in this situation i am not sure if i can use my car insurance to pay for the damage, especially as i dont know who damaged my car in tyhe first place. I am fully comp with Tesco.""
Are the extreamly wealthy required to have driver's insurance?
e.g Bill Gates, Warren Buffett, Donald Trump... Assuming that they are proverbial multi-millionares/billionares who and can easily prove that they would be able to pay any conceivable liability costs out of pocket if necessary.""
What is the best medical insurance for unemployed or self employed?
What is the best medical insurance for unemployed or self employed?
Whats the average cost for teenage car insurance?
im going to get my permit soon and i would like to know what the average teen car insurance cost is.
What are some quicker cars that are lower in insurance?
I'm looking to get a quicker car, I've been looking at WRX, Speed3, and GTI, but they are all really expensive on insurance for a 19 year old, are there any comparable cars that might be a little less on insurance rates?""
Why the heck do I have to legally own car insurance? It is unconstitutional!! I should have the right not to..?
buy car insurance if I don't want to. That should be repealed.
How much do you pay for full coverage car insurance?
i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay
A new car ? when does the new insurance apply?
does the new carpet needs insurance from the financial company
""Can Doctors offices charge you, when they lost your medical insurance card?""
I got my appendix removed in California and used the state insurance at the time (since I was low income and never had insurance). All the hospital bills are payed for; however, the surgeon has charged me an additional 1,445.00. I never even saw the surgeon after the hospital. I went in for follow-ups to his office but would always miss him. I gave my insurance card to front desk girl and she told me she didn't need it but just in case she made a copy. Now two years later I come to find out that there is this bill. What can I do?""
Teenager car insurance?
Hi there. I have heard that there are special companies out there that deal specifically with teenage car insurance. I am 17, own my own car, and will have a stand-alone policy. Does anyone know names of these companies? I live in Ontario, Canada. So far, the cheapest company I found was Bel-Air Direct, with an annual premium of $3100 CAD. Thanks people!!""
Added my newborn to my insurance after 30 days?
help ! after i had my new baby things wre so hectic for me. he had jaundice and in and out of doctors.. my toddler had dental promblems . i had post partum issues myself and by the time i called to add baby to insurance it was abt 12 days after the 30 day period . my insurance is united healthcare thru my previous employer that im currently on cobra with.. they denied adding my newborn and said they wll send me a letter so i can appeal but im afraid that wont help . any advice on what i can do .. i cant imagine nt hvng insurance for my baby..especially we just got home from the hospital yestrday bcz he has broncholitus .. so i wl be billed for that . i know i called to add him late but hopeflly there gtta be something i can do. i means its for a child i live california .. any advice on how to handle this
How do you beat the under 25 y/o car insurance scam?
We're bought a toyota corolla for $9,500 and its going to cost $1700 just to insure it, we've heard of putting it in the parents name but if you name an under 25 year old as a driver the price goes up so i was wondering if anyone knows a way to beat it""
How much will buying a 2005 Mistubishi Lancer Evolution 8 raise my insurance premium?
I'm looking into buying a new car and I'm a bit of a motor head and like to race. The Evo 8 is my next choice, but I can't find out how much it will raise my premium. Anyone know? If it helps, my insurance provider is Allstate.""
Mandated Health Insurance is different from Mandated Auto Insurance how?
The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.
Which insurance company has the quickest claim?
Okay so I want to know which insurance company would give me the quickest claim without any problems between: state farm, farmers, hardford, and all state?""
How much does insurance cost?
in california? my mother is on a stupid hmo, i was wonderingif i paid for a better insurance if it would get better.""
Allstate insurance?
does allstate have medical insurance
HElp With A PROJECT on CAR INSURANCE!?
ok so i have a project and all the car insurance places are closed and i can't finish it! so umm can anyone help?? this is all the information i have, i just need an estimate for a monthly payment 1996 eagle talon married couple 25 years old driver low milage on car car is paid for, goood driving history car is used for job too for dilivering pizza live in florida umm if you need any more information let me kno please helpp worth 20% of final grade in class!!!!""
Insurance 2 be a cheer leader???????
do you have to have health insurance to be on a high school cheer team? and if you dont then do they not let you on the team?
Approximately how much would Comprehensive car insurance be for these luxury cars?
Im currently doing an assignment where I have to compare running costs of three different cars. I can't get an online quote for comprehensive insurance for these three luxury cars: Let's say the driver is a 30 year old with a perfect history/driving record. BMW 740i (Price: $183,000) Audio RS4 (Price: $187,500) Mercedes CLK-63 AMG (Price: $199,100) How much do you think APPROXIMATELY, the comprehensive car insurance would be for each of these cars? (Annual) AS A GUIDE.""
""I knocked over a stop sign with someone else's car, whose insurance company do I use?""
Nothing happened to the car, I just need to pay for the stop sign. (I still don't understand why they can't just stick the sign back in. Nothing happened to it.) Anyway, I'm wondering if I should call my insurance company, or the person's insurance company. The police took the insurance # of the car's owner, but to file a report, do I call my company or his? (We both have the same company, USAA, but I don't know what policy # to use.)""
How long does it usually take to get car insurance?
Hi. I'm an 18 year old teen. Recently obtained my drivers license. But I can't drive yet because I don't have car insurance. I was wondering how long it usually takes to get car insurance as a teen. From researching it tells me it may take as short as 3 days and as long as 7 days. (Business days only of course). I've been waiting for around. 11 business days. Is that normal? I have no idea what the car insurance company my parents are using because they know i'm going to call them and complain. My friends who are...Allstate,Geico,Triple A, ETC. Have told me they got their car insurance in about 3 business days.""
Does anyone know any really cheap car insurance companies for old cars?
I have an R Reg Corsa 1 Litre, and 6 years no claims, but it seems to be the age of the car that's bumping up my insurance policy? HELP!""
Who has the best car insurance?
Im looking for car insurance, and I need it soon. Sorry for the flood of questions, but no one is answering... And now the question- How has your insurance company been to you? Since most of the companies I've looked at have similar rates, I have the freedom to choose a company not by pricing, but by how good they actually are. I've spent hours searching reviews of all the major players, and I've seen almost exclusively horror stories about how bad the companies are once you file a claim. Geico, Allstate, and especially progressive (defended policyholders killer in court to weasel out of paying out claim), all seem to have a pretty bad reputation among their customers. Now I'm not a fool, I understand that most reviews are written by people who have been wronged. People are much less likely to write a positive review because their company has followed through, as this is what is to be expected in the first place. It is entirely possible that behind that sour review, there are several satisfied customers who didn't feel a need to review their service. If any of those people read this, please help me out with this choice. Additionally, anyone who may be in the wronged group, if you have a reason that you would not reccomendation your insurance co please let me know! Thanks for any help!""
Women pay more for healthcare insurance?
It appears women pay more for insurance than men even if they're the same age. Insurers say this is justifiable because women tend to have more health risks than men especially after they give birth (urinal incontinence). Here are some of their reasons: -women tend to go to the doctor more and get check-ups every year whereas men do not -even if the insurance doesn't cover maternity care, some states mandate that insurance covers complications of pregnancy Not all insurance covers maternity care but it still costs more either way: -In Ohio, a woman pays 49% more than men of same age -In Texas, women pay 39% more from the state insurance pool -Nebraska is 32% more on average What do you think of this? Do you think it's justifiable to charge one sex more than the other because of potential higher risks? Or do you think that both genders would have to given the same costs? http://www.nytimes.com/2008/10/30/us/30insure.html?scp=1&sq=healthcare%20policy%20women&st=cse""
What can I do about uninsured motorist?
I was driving at a green light and the person made a left turn into me without a turning signal. I swerved right to avoid them, but we still crashed. A car then hit me from behind because of it. Their car has no damage, but I'm pretty sure my car and car 1 is totaled. I'm worried because car 1 might not have insurance. I have a dislocated thumb, that I need surgery on and won't be able to work for a while. My job won't give me short term disability. I have liability insurance in PA. Do I find car 1? Can I go to car 2's insurance and get anything? I heard PA is a no fault state but I don't understand any of that. If anyone could explain anything to me and let me know what to do next, I would really appreciate that.""
How much should i be paying for car insurance in the state of ohio?
I am 17 years old im a male i drive a 2000 chevrolet blazer i have no accidents no tickets and i get decent grades
Is it really worth it to get Full coverage insurance on a vehicle more than 10- 15 years old?
Is it really worth it to get Full coverage insurance on a vehicle more than 10- 15 years old?
How much is a Car for a 17yo?
How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""
Car insurance help and rules?
Okay so I am 18 years old living on my own completely dependent. Now if I put my dad as a secondary owner to my car so I still have possession of it and got on his insurance would it be cheaper? Or would it have to be his car. I live in Oregon by the way. And also could I get better rates if say I got on my grandma's insurance? Is that possible considering she isn't my guardian or anything and I don't live with her? Because she has the best credit known to man and I know that affects your rates. If you have have any tip on how I can stop paying 250 a month on my 94 Accord which is 4 door (yes I'm getting very raped by American Family) I would appreciate it.
I want to buy a Mazda RX8 with 69xxxx miles. is it a good car and how much does insurance cost for these cars?
How come i don't see many of these cars around?
Should a 22 year old buy life insurance?
Okay, my friend who is 22 years old has a dead end job does not have a family of his own and is still attending college was asking me if he should buy life insurance, I think he shouldn't but what those everyone else think. Let me know""
How much do you pay for full coverage car insurance?
i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay
https://www.linkedin.com/pulse/best-way-get-life-insurance-quotes-whole-john-ford/"
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