{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Paying off debt:

Student loan debt:

Avoiding debt:

The Bitches vs. debt:

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

I showed this post to my boyfriend and he tried to take his shirt off like a girl and 

uh

yeah

Out of the 82k notes my post got this is by far the best comment holy shit thank u for being u

So i tried it both ways and uh

i mean how do you do the first one without pulling out all your hair?

this made me laugh really hard….

and it made me realize that girls and boys pull their shirt off differently. /amazed

but seriously I think girls just do the cross arm thing because of HAIR like demonstrated 

So one year, one URL change, and a hair cut later, I decide to try again… FOR SCIENCE! 

Its not science unless you write it down so 

First method:

Well done, i guess…

Second:

I fucked up

Girls… how?

I DON’T UNDERSTAND HOW WE CAN HAVE SUCH DIFFERENT WAYS OF TAKING OFF SHIRTS AND SO MUCH DIFFICULTY DOING IT THE OTHER WAY

I FIGURED IT OUT!!!!!

It’s all in the way that girl/boys shirts are made.

Girls shirts have less armpit room then boy’s do and are generally shorter so pulling it off over your head is more practical because by lifting your arms all the way up you make enough room for the sleeves to just slip off.

Boys shirts have more room and are generally longer so it is easy to slip them off over your head.

but if you take a girls shirt off like a boys shirt you will get your arms caught because there isn’t much armpit space.

and if you take a boys shirt off like a girls shit you will still have your head in it when you’ve lifted your arms all the way up because of the shirt’s length.

It has nothing to do with us. It is entirely to do with how our shirts are made. I figured it out for you. YOU’RE WELCOME!

bless you

look what is back on my dash. Jesus.

World Heritage Post

When you try to talk about enshittification, it sounds like conspiracy theories. (I'm not crazy)

Amazon made their service worse, to force people to pay for Prime.

Nowadays, if you order from Amazon, there is a week long delay before your package is shipped. (on purpose)

I remember when orders would ship out the same day. (I remember - it was real)

YouTube didn't used to have ads. Now, ads play in the middle of videos. (it's worse than TV ever was)

The best can opener I have owned is over 40 years old. Modern ones just don't hold up as well. (The ones I bought new broke ages ago)

The bread machine my mom got for her wedding lasted 30 years. It's been replaced twice in the last 5 years. (How can you fuck this up?)

The cardboard tubes in the middle of toilet paper rolls have gotten larger. (This too?) Companies increasing the price of the product while selling you less. (REALLY?)

It sounds crazy. (it's the truth) When you talk about it, YOU sound crazy. (it's true)

Even when people believe you (do they really), all they can say is "it sucks". (it's too big) Because the problem is so big, so pervasive, what can we even DO about it???

To get the necessary laws written and passed, we need politicians, to get the politicians elected we need information campaigns, to fund campaigns we need money, and all the money is being hoarded by the people profiting from enshittification. (it sounds so fake)

So I talk about enshittification (it sounds crazy), so people don't forget that things have been made worse on purpose (it's true), even though I sound crazy. (maybe I am)

disabled people are often in permacrisis

there's never enough money each month. there's always an unexpected illness. new symptoms pop up or old symptoms flare up. meds have to be managed always and refilled constantly and any refill has the opportunity to go wrong. any regular care has the opportunity to go wrong. any mistake can send your health spiralling. it's always "i just need to get through this bad patch" but as soon as one ends another begins. another crisis begins in the middle of the last crisis. managing one thing leaves another thing to be neglected until that becomes a major issue and has to be managed asap and the cycle starts anew over and over and over

What About Us

So sometimes I listen to Free and get angry, and sometimes I see similar-ish things said in fics and I don't think it's explored enough and even THIS isn't explored enough but I write in scenes and am pretty bad at adding more so uh...sorry? ___________

"It just felt like I could talk to him about all of it. Like I could tell him anything." Rumi doesn't expect the absolute silence after that.

When she finally looks up her breath catches in her throat.

Everything about Mira's posture screams anger. The white knuckled fists shaking at her side, the clenched jaw. Everything Rumi expected. And yet, tears stream down Mira's face and her breath comes quick and shaky through her nose. Her expression isn't the fury Rumi prepared for, no. It's devastation. Anguish, like Rumi ripped out her soul and gave it to Gwi-ma.

"Mira—"

"Tell me you see the problem with what you just said." Zoey says quietly.

When Rumi looks at Zoey she expected the tears, the sorrow, the kicked puppy. Instead there's nothing. Her face is a mask of neutrality.

Rumi blinks, confused. She wasn't expecting acceptance, she wasn't expecting niceties. But this? The complete one-eighty of reactions from her girls Zoey and Mira. She doesn't know what to do with this. Her brow furrows, what does that mean? How could that be a problem? She couldn't—

There's a harsh laugh and again, Rumi's taken back that it's from Zoey and not Mira. Mira who is still shaking with anger and something else Rumi can't figure out.

"You don't see it. You really don't." Zoey shakes her head. "You knew him for less than a month, Rumi. What, three weeks, max? And that somehow erases the years you've know us. Years!" Zoey's voice raises gradually as she goes, cracking every few words as she tries to stop the tears of fury from choking her.

"He understood—"

"You never gave us the chance to!" Zoey yells. "You never gave us a fucking chance! No matter how often we asked! No matter how often we told you we'd still fucking love you!" Zoey's voice breaks, "All I wanted, all we wanted was to love you, Rumi. All we wanted was to be close to you, to share your joy, to share your pain. We gave you your space, we gave you, god, we gave you everything and you threw it all away for what? A fucking demon who turned on you the second he could. I'm so— I'm so angry," She barks a laugh, sudden, abrupt. "And it's not like we're blameless in this. We pointed our weapons at you," At this Mira finally makes a noise, a small whine she tries to hide at remembering. "The worst part? I don't even hate you. I get it, I do. But I can't— I can't be here right now."

"Zoey—"

"No. I'm sorry, Rumi. I'm not," Zoey takes a shuddering breath, "I can't do this, not right now." She brushes past Mira and heads towards the elevator.

Mira and Rumi watch her go and after a brief silence, Mira starts walking away too.

"Mira?" Rumi asks, voice small, body curling in on itself.

Mira pauses and looks back at Rumi.

"Please."

Mira leaves without a word.

Hello! This is my fanfic posted on AO3, it is a Zombie Apocalypse/College AU

SP!RAL: Blacklight Glitter

Yeetaskeet666 on AO3

ZoeMira canon; Polytrix happening in act 2.

We got good parent Celine because I love good parent Celine!

This is a slow burn story, full of horror, emotion, and three college girls trying to make sense of a world that fell apart way too fast.

This story is inspired by different types of media and literature.

Please show it some love if you are interested! It’s a niche market because there are not a lot of Zombie AU fics, thank you so much!

I love this community and have made so many friends! Thank you for your support!

When you affect an effect, you influence a result.

When you effect an affect, you create a demeanor.

This is very simple and there's no reason anyone could possibly find it confusing.

For those who actually want to learn learn the difference:

"Effect" shares a root prefix with "exit," because it relates to outcomes. An effect is an outcome. Effecting something brings it about.

"Affect" shares an origin with "affection," and relates to squishy things like feelings and change. An affect is a set of behaviors and expressions in your body that communicate feelings to the people around you. Affecting something changes it.

To affect can also mean to perform/pretend, which goes along with the theme of emotion and change. Like: "He affected an air of indifference."

But then it gets confusing again, because an actress both effects (creates) and affects (play-acts) her performance.

Hate it when TikTok farm cosplayers and cottagecore types say stuff like "I'm not going to use modern equipment because my grandmothers could make do without it." Ma'am, your great grandma had eleven children. She would have killed for a slow cooker and a stick blender.

I’ve noticed a sort of implicit belief that people used to do things the hard way in the past because they were tougher or something. In reality, labor-saving devices have historically been adopted by the populace as soon as they were economically feasible. No one stood in front of a smoky fire or a boiling pot of lye soap for hours because they were virtuous, they did it because it was the only way to survive.

I'm yet to see anyone posting about it here, so:

(screenshot from bluesky)

Paypal wants you to out your nsfw artists, don't do that. Please don't fuck them over more than they already are.

2025 in Land Back

The Confederated Tribes of Siletz Indians purchased back 2,000 acres of deeply historically significant land in Oregon in January.

A Wabanaki food sovereignty group secured a no-strings-attached land deal to buy 245 acres of farm and forest in Maine in January.

1,327 acres were acquired by the The Houlton Band of Maliseet Indians in Maine in February.

680 acres were returned by the US Fish and Wildlife Service to the Spirit Lake Nation in North Dakota in February.

Shabbona Lake State Recreation Area (approx. 1500 acres) was returned to the management of Prairie Band Potawatomi Nation in Illinois in March.

The Fort Wayne Burial Mound (a half-acre site) in Michigan was returned to the control of Nottawaseppi Huron Band of the Potawatomi in April.

312 hectares (770 acres) of Vancouver Island were returned to joint ownership of the Lyackson First Nation and Cowichan Tribes in May, though I think this is the land title transfer ruling that is facing legal challenges from non-Indigenous Metro Vancouver area property owners.

47,000 acres of the Blue Creek watershed of the Klamath River in California was reclaimed by the Yurok Tribe in June.

351 acres of Monument Mountain in Massachusetts were reclaimed by the Stockbridge-Munsee Band of the Mohican Nation in August.

50 acres were purchased by the Amah Mutsun Tribal Band to be put into their Land Trust in California in September.

17,030 acres were reclaimed by the Tule River Indian Tribe in California in October.

53 hectares (130 acres) were purchased back by Ngāti Toa Rangatira Māori on the North Island of Aotearoa in October.

80 hectares (194 acres) were returned to the Snuneymuxw First Nation by the Canadian government due to a ruling on treaty obligations in October.

900,000 hectares (2,223,000 acres) of land and sea were formally given over to Wuthathi, Guugu Yimidhirr, and Yiithuwarra traditional owner groups in Far North Queensland in Australia in October.

900 acres were returned to the Southern Sierra Miwuk Nation in California in December.

New Zealand courts and Crown government agreed that 3068 hectares (7581 acres) of land should be returned to the control of the descendants of the original Māori owners, as well as a $420 million compensation payment, in Aotearoa in December.

The Penobscot Nation is working with the Trust for Public Land in an ongoing process to reclaim 30,000 acres of land in Maine. I am not sure if this is part of the same process that involved the Appalachian Mountain Club transferring 1,700 acres of land into Penobscot Nation control in September, but that happened too. First Light is a cool and fascinating organization coordinating and fundraising for Land Back projects in Wabanaki lands.

Added up, it doesn’t come to a lot, really. But it’s a reminder that it’s happening, that it keeps happening, and that organizations exist that are fighting for land return and environmental justice. Even if the federal governments are antagonistic, even though a lot of bad things are happening, state, local, and private actions are more powerful than they seem. And if you make regular donations to environmental protection groups, I encourage you to choose ones mentioned here that work with tribes and support land back policies!

There’s more too! Here’s another one I know about because I did my field school with a project partnering with this tribe:

That’s fantastic! I tried to keep track through the year but it’s awesome to learn of more I hadn’t known about!

apologies if this has been mentioned already, but here's one more: some Catholic nuns transferred a parcel of land back to the Lac du Flambeau Band of Lake Superior Chippewa Indians this year

I had not heard about that one! Oh wow, reading the article, that’s particularly hard-hitting because their order ran an Indian Boarding School in the 19th/20th centuries… This is a model for restitution that more should follow.

compilation of this type of post

Reblog so she lives forever.

20 years. If this gets posted and we all survive for another 20…things might be alright.

If you haven't heard, the em dash has been getting a lot of attention lately…

Because it was trained on pirated work—including freely accessible online writing (like fanfic, academic texts)—ChatGPT picked up patterns and quirks native to human writing.

Including (sigh) the em dash.

There are other victims here (RIP tapestry and delve 🫠), but the appropriation of the em dash—a punctuation mark beloved by writers everywhere—feels especially personal.

A kind of low-grade panic is ensuing. Writers who once memed their own em dash overuse—the greatest punctuation mark ever to grace the control-freak’s lexicon, frankly—are suddenly backing away to avoid accusations.

No. More. We have centuries of dash-abusing writers behind us. We will not sit quietly while AI repurposes our beloved stilted aside—or the just-one-more clarification the sentence demands—or the dramatic pause your comma could never—etc.

You don’t write like AI—AI writes like you.

Defend the em dash.

(Feel free to download/share/stick it where it matters!)

btw while people continue to fight the system don't forget about Undue Medical Debt (formerly RIP Medical Debt), a charity that buys and forgives medical debt. on average a donation of $10 will forgive $1,000 of medical debt.

I'm fairly confident that this is now the one original post I've made that has gotten the most notes, and I honestly couldn't be happier. the more attention we give this, the higher the chances that someone will see this and donate. medical debt is both one of the most crushing things a person can deal with and one of the stupidest things humanity has invented. and if you live in the US, I have no doubt that you've had to deal with medical debt in your life, either for yourself or a loved one. even a small donation can do so much good, and now is the time of year when we are encouraged to think of others.

context (via @mellorocket)

doubly funny that I saw a compilation of all the corporate accounts like "aw thanks elmo, we're doing well" meanwhile all the flesh and blood real human people are extremely not okay

Okay but Elmo had actually the best and sweetest response to all this trauma dumping:

And then all the other Sesame Street character accounts joined in:

And now I’m thinking maybe we’re gonna be okay… 💗

(Comment compilation from this Twitter)

I kinda feel for the poor person running Elmo's Twitter.

"So, boss... I may have messed up."

"What did you do, Ray?"

"Well, I made a post for Elmo saying 'Hi, how's everybody doing?'"

"I mean, that's kind of what we pay you for."

"Yeah, but.... <sigh> it turns out pretty much everyone is hanging on by a thread, badly enough that they needed to tell Elmo."

"Oh."

"God help me, boss, I think Elmo needs to be there for them."

"Get the others."

this is the energy that jim henson would be proud of.

and important addition

Source: instagram

Always reblog this. Elmo and his friends will be there in your times of trial and doubt, to help you through your torment