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macdotexe

liujiu week day 2 meet cute!! stealthily sneaks in personal headcanon abt lqg’s many many sisters

bonus :’)

incorrectmadrigalfamilyquotes

Pepa: How did you find me?

Félix: It was easy. I saw the hurricane in the distance and I thought to myself, "Hmm. Now, who could that be?"

incorrectmadrigalfamilyquotes

Abuela Alma: Luisa is a success.

Mirabel: Luisa is crying and she won't come out of the bathroom if that's what you call a success.

sunsis

This is one of the best scenes and I don’t see people talking about it nearly enough. Mirabel is afraid to walk with him not only because she knows at this point Abuela views her basically as a curse who could rub off negatively on Antonio and prevent his gift, but also because of her own traumatic ceremony where she was left disappointed and humiliated, as well as completely changed her relationship with Abuela for the worse due to being giftless. But she ultimately chooses to relive that horrible memory because she loves Antonio and he is the first family member to actively rely on and express that he NEEDS her, which is all Mirabel has ever wanted. More than a gift she just wanted to be equally valued and needed by her family.

And Antonio grew up knowing that Mirabel was looked down on by his Abuela for being giftless and is nervous that the same could possibly happen to him, but chooses her anyway because he loves her exactly as she is. When she found him hiding under the bed before the ceremony he said “I wish you had your own room”. NOT her own gift, but her own door and room too because she deserved one with or without magic, she’s a member of the family and as important to him as his parents and sibling and everyone else. So of course, how could Mirabel not be there for him the whole way. Even knowing how the others will all react.

rainestormes

people really watched a movie about the complexities of intergenerational trauma and met the matriarch, a woman who's had her life destroyed, who had to watch her husband die in front of her, fearing for her and her children's lives, and then became so fearful that she spent the rest of her life holding them so tight and being so strict, but eventually learned that they are safe now and she can move on for the sake of herself and her family, actively choosing to break the unhealthy cycle she'd previously estabilished, and decided to paint her as a selfish, wicked monster who brainwashed her entire family and it's insane

princessamericachavez

Once again thinking about Encantó and how the house was cracking because the family was cracking under pressure and how Mirabel’s part in saving Casita and the miracle wasn’t even about mending people’s struggles but simply about acknowledging them and telling them it’s ok and they don’t have to do it alone.

Thinking about how the first cracks appear when Mirabel feels ostracized from her family and is about to break under the pressure of feeling wanting and invisible and alone.

Thinking about how the thing Mirabel does for Luisa is listen to her and just say “you are carrying way too much” and then when Luisa’s powers begin to malfunction it isn’t because of her but because Luisa dared slow down a little and was IMMEDIATELY hit with crushing guilt and tried once again to overcompensate it and THAT is when her strength failed her.

Thinking about how Bruno left in an attempt to keep the family from fracturing and was literally trying to fix the cracks with his absence, but it was Mirabel SHARING a vision with him which actually helped him find a positive outcome for a vision because he wasn’t alone with that burden and his anxiety and she led him to a happier perspective.

Thinking about how the real healing moment between Isabela and Mirabel isn’t Isa’s confession really, the turning point is when Mirabel actually stops and LISTENS and simply acknowledges that her sister is struggling and goes on to loudly support and encourage her to find and be herself.

Thinking about all the other cracks we didn’t entirely see. Antonio’s pressure to not be “another disappointment” to his family but obvious guilt that Mirabel didn’t get to shine. Camilo’s consistent changes for the sake of others, but when he starts to malfunction he’s a grown man with a baby’s head, because maybe that’s how he feels, lost and not quite either. Thinking about Pepa, unable to feel any negative emotions, to the point of absolute repression because every single anger or sadness is an open nerve for the world to see and “Pepa, stop! Not again!” Thinking about Julieta’s role as a consistent care taker in a family that even with their powers gone yells for her when in panic because she Must Know how to fix it. Thinking about Dolores so overwhelmed and tense and overlooked, whose great romantic ideal is someone finally SEEING her.

And the cracks showed up whenever the pressure was too much. Whenever Abuela was too afraid and protective and holding on to her control so tightly, marked by the trauma and fear of losing them, to the point where she couldn’t take anything or anyone being out of her control (an obvious PTSD thing).

The family was cracking because Abuela lost sight of the family as people vs the family as a well oiled machine. And while it was obviously due to generational trauma, it was also an issue that no one else in the family could see because it was the dynamic they grew up in and accepted as right and healthy. It was only Mirabel, blessed with an “outsider” perspective, who could see the way the pressure was mounting on everyone’s shoulders and who (having no expectations at all put on her by dismissal) could dare to break the cycle and speak up, not only for herself but for others.

I am once again thinking about Mirabel’s door being the front door of the house (her casita who she is clearly the closest with) and just like everyone else has their powers represented in it, Mirabel’s shows her surrounded by her family, like the anchor that helped them build a new foundation in their relationships with one another, based not on what they could “do for the family” but by love and acceptance of each other.

k-eke

Owl determination!

d-june-y

thunderpot

"Quick! Open the gates! Consort Shang has arrived-!!"

thunderpot

Wise men say Only fools rush in But I can't help...

Maigu Ridge Jess Version~ Read left>right! ;D Enjoy!

yilingpicklesblessing

so i started reading Omniscient Reader's Viewpoint

baihujun

Bang bang~

Happy new year 💙 💜

raintides

one daozhang two daozhang

naturepunk

Different Strokes?

I think I left the teller at the bank genuinely disturbed when I told him that “If I can’t afford it, I just don’t buy it.” “What about a car? Do you drive a car?” he inquired, his voice toning on the edge of fear. I told him, “Yeah, I have a vehicle. I bought it used for under $3,000.” He looked physically pained. “What about if you want to buy some kind of new appliance? Or furniture?” he persisted. I stared at him blankly. “My couch was $5.00 at Goodwill. Like…I just buy shit cheap or I don’t buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and that’s split five ways because I have housemates.” The young man looked horrified? Appalled? And somehow also awed? This guy couldn’t have been much older than me. But it seemed that he’d never even considered the option before of saving up for something to purchase it outright instead of using a credit card. Am I the only person in my general age group (just turned 26) who’s never owned a credit card, and who has forgone basic comforts in order to save up for items so you don’t owe money to anyone, like, ever?

rose-in-a-fisted-glove

If you’re living in the US without a credit card at 26, you’re playing with danger.

No credit is viewed as the same as bad credit. Which means you could be denied if you ever do need to rent an apartment or a car. Hospitals and clinics are also less likely to allow payment plan programs for people without good credit.

The best thing you could do at this point is apply for a credit card you’re eligible for and pay a few things (I do gas and groceries myself) with it each month. As long as you keep it to zero balance each month there is no interest and there will be proof of you not having debt (instead of just the absence of debt).

captainlordauditor

what.

janothar

This is legit how it works. The system requires records on you, or else. So you need a credit card and worse, you need to have a record of using it, even if you pay it off every single month. Unfortunately, the formulas used to determine credit score are secret, so we also have people suggesting that your credit rating is helped if every so often you do pay a bit of interest. The whole thing is a complete mess. If you don’t have a credit rating/history, then any loans you manage to get will be at extremely high interest and will require much more effort than they really should.

captainlordauditor

what

awellboiledicicle

yeaah let me just go get a card that i can’t pay off because capitalism is shit, even if i literally only buy a pack of gum that’d go well

janothar

If you pay it off in full every month there is no interest. Do what OP is doing but put some of that on your credit card and pay it off every month, and soon you will have a very good credit rating.

awellboiledicicle

you skipped right the fuck over the “can’t pay it off” part huh like credit cards are just not a viable thing if you’re poor and have shit income

janothar

And I’m saying to literally not put anything on it if you can’t buy it in cash. And I’m aware that they fuck over poor people, but yeah, that’s the system that’s in place. This is advice for navigating it, which is how to obtain good credit which helps a lot.

redbirdblogs

Right like don’t make minimum payments, put your gas on your credit card then that same day pay the credit card company online then don’t worry about it for another month. It’s an absolutely shit system, but in the event of an emergency it’s good to have.

kedreeva

I have had to explain this to a lot of people in my life, but it’s true- no credit is the same as bad credit. What having (and using) the card actually shows is that you are capable of (and actually follow through on) making regular payments: ie, it is proof of having a steady income (even if you do not actually have a steady income). It is showing you reliably can pay for things you purchase, which is what your credit score is all about.

Think of it this way. You have a credit card, which is your credit tracking device. You use the card to tell someone “I will pay for this thing with borrowed money.” They agree to allow you to pay with borrowed money. You then turn around to your credit card company and say “Thank you for allowing me to borrow your money, I will now pay you back with my own money.” (which, if you repay them promptly enough, you can repay them the exact same amount you borrowed, rather than paying them more than you borrowed [which is what interest is])

The credit card company then recognizes that you successfully borrowed their money AND returned it safely, and they pass that information along to credit tracking companies. Each time you do this, you gain credibility. If you do this enough times, you are considered a credible borrower of money, so that if you ever are in a situation where you need to borrow a large sum of money (for example, a mortgage or a car or a hospital bill or whatever), companies with money will look at how well you have returned money in the past, and say Ah yes, this person repays their debts well, so we can lend them our money this time.

So like, do what the above folks are recommending. Get a credit card and use to to reasonably purchase things you already have to buy- put a batch of groceries on the card. Go home (or wherever you can use the interne), pay it off as if you had paid cash in the store for it. There is no extra fee or interest for doing this, and you are leveling up your credibility in case of emergency later on in life.

buckleupbones

Ok, here’s a guide for the easiest way to do this.

1. get your first baby credit card with the bank that you already bank with. If it has cashback rewards, even better (that’ll be free money later).

2. set that shit up so it pays the full amount, automatically, every month. you don’t have to remember to go home and pay it off, or worry about it at all. You won’t pay interest.

Your first card, especially if you have no credit, is going to have a small limit. Like $500. This is important: credit companies want you to use a certain percentage of the card every month. This is 1-9%. I usually just go straight 5%. If you use too much, you look like a wild card (even if you pay it off every month) and if you use nothing than you’re not proving to them you can be trusted.

So your first card has a $500 limit. 5% of 500 is $25.

Your goal is to use $25/month.

This is about a tank of gas for me. So once a month, I would fill up with this card, and then put it in the back of my wallet until next month. The payment was made automatically by my bank from one account (debit) to the other (credit). Rinse and repeat. I did this for a year.

Then after a year, my credit had skyrocketed (because I had nothing before, and added this good habit for a year). So I called up my bank and asked for them to increase my limit based on my new credit. I had shown them I was good at borrowing a good amount of money and paying it back on time every time.

The bank increased my limit to $5,500. Like holy shit, at the time I was definitely not expecting that.

So new math. 5% of 5500 is $225. So now instead of gas, I put my cell phone bill ($50), my car insurance ($130), and my dog food automatic order ($40) on it.

The best part is everything is automatic. I keep this card in the back of my wallet permanently; all these bills and the automatic payments are, well, automatic. My credit goes up, I rack up cash back rewards, there’s nothing to it.

And, if I ever get in an emergency, like a vet bill for one of my dogs, I can use that card to pay the $3,000 emergency bill without worrying about whether the place will take my dog if I have no money. I can then go home, change the settings from “pay in full every month” to “pay $X every month” (more than the minimum!) until it’s paid off, and then go back to just my bills. My credit might take a little dip during that time, but will bounce back pretty quickly.

There’s several other factors to credit (hit me up if you want more info) but this was literally the only measure I took for my first year, and my credit went from 525 to 700 in a year. Another year later, I’m now at 753, have a mortgage with a great rate, and can get a monster ass loan if I really need it in case an emergency or hard times fall.

It’s a shitty system of hoops to jump through, but knowing you can use these measures if it comes to it is a good feeling.