What I’ve been doing is shuffling the debt between new 0% APR intro-period cards every time the 0% of the previous card is going to expire, and just eating the cost of the balance transfer (usually 3–5%) which is still significantly lower than if the balance were to start getting hit by typical card APR (~25%)

I have considered doing bankruptcy but yeah I’m worried about wage garnishment. Also I had wanted to maybe buy a houseboat within the next 7 years but at this point that’s almost certainly off the table so it may actually be worth just looking into bankruptcy at this point.

Right now I’m more focused on getting a full time job since my freelance stuff has been too slow to pay all the bills…

Being a grownup is so boring I hate this

i mean we kinda already do. or at least we laugh at the porn aimed at them anyway

About 2 years’ worth of rent (I live in NYC, to give an idea) in credit cards and a similarly large chunk in student loans

I was someone who paid off my balance in full at the end of every month for about 10 years, then bam, COVID, more fuck shit, rent needing to be paid via credit card several months (even more expensive as they take a usually 5% or more fee), and here we are

Spending money. Thorough a combination of a lot of bad luck and a few bad choices, I’m stuck playing credit card musical chairs to keep enough cash for rent and bills. “Ability to buy groceries/toiletries/medical copays/etc.” is functionally a subscription for me. Few years of rice and beans in my future until I can dig myself out… good thing I like beans I guess

The worst I can imagine (aside from housing…) would be the others in Maslow’s pyramid base: air, water, food, clothing.

• Air would be some straight up cyberpunk shit.
• Water/food would also be horrifying. We currently see meal subscriptions as a luxury, but for those without access to a kitchen and/or with disabilities that prevent them from reliably using one… ah fuck that’s dismal.
• Clothing would be fuckin weird. Because such a ridiculous volume of it exists due to fast fashion, I can’t see this happening on Earth in the near future, thankfully.

you can be the mouse fixer of the friend group. trade fixed mice for casseroles and rides to the airport

DELCO MENTIONED

(haha fuck i am so glad i left that shithole)

i have tried exactly 1 SWP decaf and it was so outrageously bad. Never again

oh man anyone that concerned with not being filmed or recorded probably fled years ago. the amount of public and private security cameras and prevalence of people filming here gives the UK a run for its money

Midtown Manhattan absolutely still gets this crowded, especially near Times Square and K-Town. Like other commentors are saying, it really depends on the location in NYC, time of year, and time of day.

Also, if a shot in a film doesn’t feature an actor interacting with the set significantly (having conversation, looking in store window, etc.) there’s a decent chance it’s stock footage of the actual street conditions.

There’s a reason New Yorkers hate going to Times Square :]

as a new yorker i support nyc secession lol

look how they massacred my boy

Not a perfect solution but when I needed specific obscure and/or new editions for coursework, I’d go check out my university library’s copy and photograph all the pages I needed

it’s common for universities to keep a reserve copy (or a few) of any books required by courses. access may be limited (e.g. at my school you could check them out only 2 hours at a time). If your library has a book scanning station your life will be easier so ask if they have one.

One time after class I ran into a classmate trying to do the exact same thing, so we ended up taking turns sharing scan photos to save ourselves time the rest of the semester. Be sure to share the love with any fellow ultra-broke classmates

happy sailing 🏴‍☠️

17 year old me learning Linux with Ubuntu: googles “Linux tutorial [thing I want to do] GUI”

30 year old me wrangling my 20th new Debian install: the only reason I’m installing a desktop environment is to make memes with GIMP and play Steam games. if I can’t change the setting using the terminal I’m probably not going to bother changing it.

i am a cringe ass bitch and would unironically enjoy a terminal demon battling a GUI demon

oh also both spell it “daemon” *knee slap*

a Tim Robinson Linux meme is two layers of obscure 10/10

and The Chair Company

i would carry around a cardboard spinner wheel as a joke at that point

https://xkcd.com/323/