how lucky we are to live in a world where tiramisu exists
One Nice Bug Per Day

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Claire Keane

if i look back, i am lost
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i don't do bad sauce passes
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@mildlyblogging
how lucky we are to live in a world where tiramisu exists

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HEY!
Back up your computer!
Go get the external drive you bought specifically for this purpose and then left in a drawer somewhere and RUN A FULL BACKUP.
There are lots of posts that make the rounds reminding us to sit up straight, stretch, drink water, refocus our eyes, take our meds, etc. But while this may not be about your health, it's still super-important.
Back up your whole-ass computer. If you can afford a second backup drive, buy one so that you have one SSD and one HDD, and back up to both of them (you can back up just the current important stuff to the SSD and let the HDD do the heavy-duty lifting).
Do not rely on 'the cloud' or the internet to keep jack shit.
AND BACK UP YOUR GMAIL AS WELL HOLY SHIT. The last thing you want is a catastrophic issue where literally every single thing you have in gmail is gone. It's happened. It happened to a friend of mine and basically her entire life was in there and now it's all gone. 20 years of it.
Reblog to save a life.
May you attract a love that mirrors your capacity to love.
there's an episode of malcolm in the middle where he just shuts up and stops complaining for awhile and it immediately starts to significantly improve his life but also it causes him an ulcer and by the end of the episode he is literally spitting up blood and i have always deeply and unshakably believed that is exactly how the situation would play out for me too

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Where the FUCK is âHoes Mad, Reblog to have a karkalicious 2009â
You mean THIS âHoes Mad, Reblog to have a karkalicious 2009â?!????!
I think companies should not be allowed to use the word "buy" if it doesn't give you ownership of it. Like, it should not be possible to buy ebooks through Amazon or Google or whoever, they should be required to call it "rent indefinitely" or something so that it's clear that they reserve the right to take it from you at any time.
I just had a moment where i thought to myself âif i met myself when i was younger i would be kind to her. Hug her and keep her safe at all costs and try and cheer her up.â
Then another thought hit me: âwhy donât i do that for myself now? Why do i have such disdain for the person i am now, but nothing but love and patience for the person i was? What is the difference?â
And i feel like i should continue reminding myself that until i realize, truly, that there is no difference between the two. I should have just as much patience and acceptance for the me sitting here today as i do for that little girl.
being a people pleaser your whole life is the equivalent of fighting the voice in your head that's always going "maybe i SHOULD dim myself so other people are more comfortable" "maybe i SHOULD overcompensate for other people's insecurities" "maybe i DO deserve being treated like this" "i know they treated me like shit..... but what if they were going through something (repeat for 80 more times until a harsh lesson is learned)" "maybe i DON'T have a right to be annoyed by this thing that any reasonable person would be annoyed by" "maybe i SHOULD stretch myself thin" and it keeps going and there's no tangible end in sight
I kinda love when people get into one of those d&d podcasts and start longposting about the emotional journey some character went on like healing from their trauma or whatever and also the character in question is named like. Redd Lobster

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Don't Make a Silly Mistake
Steamboat Willie is now in public domain.
Mickey Mouse?
That's a Trademark.
If you think that the Disney lawyers who specialize in trademark have not been preparing for this, you may be making an expensive mistake.
thatâs enough emotions for a whole year. ciao
The earlier in the year you reblog this the better it gets
Anastasia Trusova on Instagram
Different Strokes?
I think I left the teller at the bank genuinely disturbed when I told him that âIf I canât afford it, I just donât buy it.â âWhat about a car? Do you drive a car?â he inquired, his voice toning on the edge of fear.  I told him, âYeah, I have a vehicle. I bought it used for under $3,000.â He looked physically pained. âWhat about if you want to buy some kind of new appliance? Or furniture?â he persisted. I stared at him blankly. âMy couch was $5.00 at Goodwill. LikeâŚI just buy shit cheap or I donât buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and thatâs split five ways because I have housemates.â The young man looked horrified? Appalled? And somehow also awed? This guy couldnât have been much older than me. But it seemed that heâd 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) whoâs never owned a credit card, and who has forgone basic comforts in order to save up for items so you donât owe money to anyone, like, ever?Â
If youâre living in the US without a credit card at 26, youâre 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 youâre 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).
what.
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 donât 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.
yeaah let me just go get a card that i canât pay off because capitalism is shit, even if i literally only buy a pack of gum thatâd go well
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.
you skipped right the fuck over the âcanât pay it offâ part huh like credit cards are just not a viable thing if youâre poor and have shit income
And Iâm saying to literally not put anything on it if you canât buy it in cash. And Iâm aware that they fuck over poor people, but yeah, thatâs the system thatâs in place. This is advice for navigating it, which is how to obtain good credit which helps a lot.
Right like donât make minimum payments, put your gas on your credit card then that same day pay the credit card company online then donât worry about it for another month. Itâs an absolutely shit system, but in the event of an emergency itâs good to have.
I have had to explain this to a lot of people in my life, but itâs 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 âI will pay for this thing with borrowed money.â They agree to allow you to pay with borrowed money. You then turn around to your credit card company and say âThank you for allowing me to borrow your money, I will now pay you back with my own money.â (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.
Ok, hereâs 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 (thatâll be free money later).
2. set that shit up so it pays the full amount, automatically, every month. you donât have to remember to go home and pay it off, or worry about it at all. You wonât 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 youâre 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, thereâs 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 âpay in full every monthâ to âpay $X every monthâ (more than the minimum!) until itâs 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.
Thereâs 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, Iâm 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.
Itâs a shitty system of hoops to jump through, but knowing you can use these measures if it comes to it is a good feeling.
Okay but literally read this entire post please!
Take it from someone who was taught that credit cards are evil, you NEED to build up some credit.Â
Iâm 32 and only JUST NOW able to get a card because my fiance helped me do so. I could not get approved before because I didnât have any credit.
Vampire and his human wife after years of marriage
Charles took her to macyâs

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GLaDOS: Nooooo donât destroy vital testing apparatus
Me, knocking down her camera: Haha portal go brrrrrrrr
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