#can't pay

[fuckyeahanarchistposters]

“Cancel Rent! Cancel Mortgages!”

[insidejamarifox]

how the disgusting have fallen. r. kelly has finally been taken down. with someone of his celebrity, you’d think he had money to save him on a hurricane. nope. kellz can’t even post his own bail according to “cnn”…

(via r. kelly is getting familiar with his new digs, is all)

[pixelriverthethird-blog]

Day 4, Update 1

Sorry, this is a bit of a late and long update...

So today I discovered that you can’t pay all of your bills with a minimum wage job. I literally did the math, and it was impossible. I was trying to find out if I could live off minimum wage because I decided that all I want in life is my own (soundproof*) room and internet access. However, the cheapest apartments near me are, even shared, too much to afford a month on minimum wage. Granted I did do all the math for a year, but I still was out of money before I could even consider a phone plan!

I’m bringing this up because a room and internet access shouldn't be all that expensive. When you take how much you earn a year, and then remove money for insurance, food, rent, transportation, and water/heating/electricity, you have nothing left over. Actually, you have less then you started with. When you then start adding in the costs for clothes, internet, a phone plan, and anything else optional, you're in dept.

And maybe some people can live that way, but I am accustomed to a certain lifestyle. And I am willing to let that go a bit, but I would still like to have my own room and internet access.

*I would like a soundproof room so I can stay up as late as I like and play my music without headphones on. It’s a bit unrealistic, but the closest to my own home that I assumed I could afford. Other than a tiny house, but that has it’s own implications.

[hatebook]

I HATE how the U.S government can be bought for the right price. They talk about how fucked up our finances are in this country, yet they constantly accept money from banks and credit card companies to not sign a fucking bill that would prevent said banks from charging people fees that will ruin their lives. I hate that fucking shit so much. This may not be Iraq, but it's FAR from the "best country in the world" like so many people say. I HATE senators, congressmen, congresswomen and our stupid monkey of a president. I hate talking about politics too, but some shit just needs to be said! fuckers

[killershot]

I'm having interwebz Dependency Disorder

Any time now they can disconnect my internet and I'll be all alone

I'M SCARED!!!

[a-dash]

Somebody please gift me Rome Total War.

[majorhonk]

have to find a link for "bill cunningham new york" somewhere

[helpingwomenindebt-blog]

The Fear of Being In Debt

 I have written and talked many times about my debt problems to help other women who are having similar issues with debt identify with me.  It was 14 years ago for me, but my story tells other women in debt that there is light at the end of the tunnel, and that you can get past the shame and fear that comes with being in debt.

I was recently at Manchester University for a business meeting; I met a group of students (4 men and 1 woman), who had been working on a piece of research for Women in Debt.  During the meeting we touched on attitudes to debt and ALL the men said they weren’t bothered about the student debt they had and would be accruing whilst working towards their degree.  I looked across the table at the one woman student who was shaking her head in disagreement; she told the table how she already worries about how much debt she is in and how and when she is going to start paying it back.  The men looked on in almost disbelief at her attitude to debt and one of the guys commented “why would anyone be worrying now about debt they don’t need to pay back until they start earning?”  She replied “because it is my debt and I don’t want to live in debt”.  I found myself both proud of this lady but also quite sad; she reminded me of me and of so many of the ladies that call us every day; the level of debt we carry individually varies but the attitude to repay that debt is very much the same!

The fear of being back in debt never goes away; that dark place where no one ever smiles, it’s always raining and everyone knows the secret shame you are hiding.  Even now when I buy something on my credit card I wonder will that be the purchase to lead me back into debt, have I gone too far.  I pay everything by direct debit and the one credit card I have I always pays back the whole amount each month, and I use cash as much as possible.  Still though, I dread going online to look at my account, I dread my credit card company reminding me that my statement has arrived, and when I look fear rises in me as to what I have spent in the last month – could I have been stronger, why did I buy those items, could I have done without? 

I have to tell myself, even 14 years on, that I am safe and that I have learned my lesson.  I keep myself in check every day and try to do all the right things, the things I tell our ladies to do... 

1.       Use cash – Cash is king, it is also very visual in your purse and we get attached to notes more than plastic

2.       Keep a cash diary – write everything down you spend your money on 

3.       Ask yourself do I really need this?   We often buy things impulsively, so take time over a buying decision.

4.       Use online banking everyday – get use to facing your fears, there is nothing to be scared about     

5.       Take back control, and tell yourself how good you are at keeping your finances in check!