the sex ed guide your parents didn’t give you

petulantwhore:

kateordie:

lilypotterr:

Tumblr, you’re alright

Probably necessary to drop this here too 🤔

deadcatwithaflamethrower:

einarshadow:

charminggoats:

meatswitch:

This is a way bigger problem than people seem to realize, and sales reps for cable companies will set up an account in a child’s name knowing full well they’re under 18. Just to get a sale.

Every cable company has a fraud department, if this happened to you call customer service for the company your account was opened with and file a complaint. They are required by law to expunge the debt.

I will always reblog this shit when I see it. Why? Because this happened to me when I first moved out on my own and would have ruined my life if I didn’t have supportive friends and roommates with better credit scores. My mom ran up a ton of bills in my name and got a hold of an unused checkbook of mine, writing checks on an account I never touched anymore. I moved out on my own and found I had a credit score in the 300s and tons of debt. I was already homeless at the time; luckily I was moving into an apartment with a friend with a much higher credit score and enough money in savings to cover the subsequent security deposits, trusting me to pay her back since she knew me already and knew I had a job.

How to fix this:

1. Cut that asshole out of your life. You don’t need someone who doesn’t give a shit that they’ve ruined your adult life. If they say they’re sorry, let’s be real – they’re probably not. They’re just fucking sorry they got caught. Fuck them.

2. Pull a yearly credit report (for free at annualcreditreport.com) and consider paying out the money to lock down your credit so people need to get approval before opening a new line of credit in your name. 

3. Write the companies for more information on the debt and to dispute it, letting them know that it’s an identity theft issue. If you were underage at the time, they will need some sort of proof but they will have to remove it. Do all of this via Certified Mail with Return Receipt. Keep all documentation including copies of letters, tracking numbers, etc. well organized. I recommend scanning everything as well and saving copies onto some sort of cloud storage just in case anything happens to your physical copies (but definitely keep those physical copies as well, *at least* for eleven years after disputing. Sometimes those debts sneak back on there two or three years later. Sometimes you have to get lawyers involved if any of those companies take you to court. Lawyers will want physical copies of your physical copies if possible.)

4. Report it to the police and FTC (for the Americans in the crowd.) If you’ve moved out of the same county/state that your parent lives in or that you lived in at the time, this may get tricky af. If the local police department is overloaded and understaffed, they’ll try to push you off to another county. Be patient and persistent. File in as many places as you can. Yes, identity theft is a crime. There is a chance that your parent will be arrested, particularly if they have priors. You’ve got to be prepared to do what you have to do. A lot of times it does go unpunished though. I know in my case it did. My mom continues to do this with others in her life. The police have done nothing and she’s not learned her lesson at all. At least my credit score is mostly fixed though. You can access the FTC’s identity theft information here: https://www.identitytheft.gov/

5. If you’ve been taken to court on anything, you will need to get a lawyer. If you’re low income, check with the local or state bar association to see what options you have for a free or discounted legal service. If you are a college student, even part time, you may have access to free legal services through your college. If you have to pay to hire an attorney, it is worth the cost to dispute it. Depending on how much debt it is and what state it occurred in, you could be stuck with that for 20 years. There’s also a chance that they can take anything you own (like your car) to cover that debt if you live in the same state. Get it cleared out. You do not want your life to be a total fucking disaster all the way into your late 30s/early 40s. (And trust me – if you don’t get your credit cleared up, it will be. You will be disqualified from certain jobs – even some retail positions! You will struggle to get housing. Everything you do that involves credit will cost more money – turning on electricity, getting an apartment, getting your own cell phone account, buying a car, getting vehicle or renters insurance… 

Until everything is fixed, there is definitely a feeling that the entire world is out to get you and that you will never get caught up. Please stay on top of this and get that shit straightened out. 

I’m not a lawyer so my info only comes from my own personal experience and not any sort of actual training in this. However, if anyone is going through this and ever wants to talk to someone who has been there before, feel free to hit me up. Again, not a lawyer so can’t really give legal advice but am always happy to give support and remind you to drop toxic people from your life, no matter who they are or how they’re related to you.

@deadcatwithaflamethrower signle-boost?

Definitely worthy of the boost.

Adulting Posts

yournewapartment:

Adulting 101: The post that started it all! Discount cards, xmas lights, and general food advice.

Adulting 102: Cacti, electric bills, and some inexpensive cleaning advice.

Adulting 103: Peeing after sex, chalkboard paint, and why you need scented trash bags in your life.

Adulting 104: Electric bill budgets, lint drawers, and why mixed greens are more trouble than they’re worth.

Adulting 105: Paper bills, Yankee Candles, and where to purchase postage stamps.

Adulting 106: Scented tampons, dishwasher pods, and why you should live next to a fire department.

Adulting 107: Command hooks, inexpensive bathroom decor, and why organic cucumbers are overrated. 

Adulting 108: An Adulting post dedicated entirely to apartment hunting!

Adulting 109: Cleaning your shower head, condiments, and why you should never buy Dollar Store paper towels.

Adulting 110: Food hygiene, Airborne, and automatic payment advice.

minamishipsit:

crime-she-typed:

jenniferrpovey:

remisstoreality:

seagodofmagic:

lmaodies:

gizkasparadise:

randomlyimagine:

werewolfau:

abbiehollowdays:

dynastylnoire:

lavendersucculents:

When you guys have visited potential apartments, what kind of questions did you ask besides the basics like what rent and utilities include?

Here are questions I didn’t ask but should have: what does the basement look like?

What measures are taken to secure the building ?

Are the walls thin?
Brief info of who lives in the building. Are they college kids? People that work through the day? Elderly? Is it a mix?
Where does the garbage go?

Can I pay rent bi-weekly?
What kind of fuses does the apartment use? (My fuse box is in the basement. If I blow a fuse I have to replace it myself. They screw until the box. All of which I didn’t know until it happend and I was sitting in the dark suddenly)

Who do I call for repairs? (If it’s a private rental)
Am I allowed to paint the walls?
Is there any additional storage?
Do you do regular pest control?

count the outlets, ask about recycling policies, ask if there’s a noise restriction (nothing loud after midnight, everything goes on the weekend, etc)

LAUNDRY FACILITIES
Definitely ask about security
Whether subletting is allowed (esp if you’re in college and might want to sublet for the summer)
If you have a car, whether there’s parking/how much it costs
What kind of heating/AC there is
Procedure/response time for any maintenance
How mail/packages are received/protected from theft (seriously people stealing your packages can be a huge problem)
What kind of verification of your salary will they want, and in what circumstances will they accept a guarantor instead?
Whether the apartment is furnished

Assuming you are in the middle of looking at/choosing between places:
When does the lease start? Are you going to give preference to people based on when they can move in?
Whether groups of a certain number of people get preference
Really anything about who they prioritize for applications, it can save you a lot of trouble in trying to apply to places you’ll never get into

not something for asking the realtors, necessarily, but important rights you should be aware of as a tenant:

when and for what reasons are your landlords allowed to enter your home? how much of a notice should they give you before entering?

can the landlord make modifications to your home or apartment without your approval? to what extent?

what are the options and conditions for breaking your lease early if there’s an emergency? (this is ESPECIALLY important for anyone moving to a new state/considerable distance where you are not able to visit the apartment/home before you rent – students get taken advantage of ALL THE TIME with this shit)

if your first or last month at the property is a partial stay (i.e. you move in on july 15th, and rent is typically due on the first) make sure you don’t pay the full first month’s rent before you know the area laws! in many states, you are only legally required to pay for the time you are occupying the property

is renter’s insurance necessary? many apartments want at least 30k coverage, which can run a couple hundred dollars extra per year

are the landlords/property management liable for crimes on the property? for example, if your car was broken into. if not GET RENTER’S INSURANCE

-ask if there’s any property upkeep you can do to get a bit off the rent (aka, can they take 100$ off the monthly rent if you maintain the lawns/garden, etc.) 

-ask if there’s been any consistent/frequent trouble with electricity/internet connectivity/cable if you have it

-what KIND of electricity? 

-what kind of heating (hot water/electric)

-how secure is the neighborhood (if you don’t know) 

-ANY PLUMBING ISSUES? check ALL the fucking taps, the showers, EVERYTHING WITH WATER to make sure it all works right. 

-ANY PLUMBING ISSUES? check ALL the fucking taps, the showers, EVERYTHING WITH WATER to make sure it all works right. 

I CANNOT SECOND THIS ENOUGH.

ALSO

– who last lived here? why did they leave?

– Do they charge an “amenities fee” (Around here you can’t avoid them at all now, but some places you might still be able to)

– Do they have a policy on rent increases? (Also check if there’s a legal limit to rent increases in the area).

– Are utilities paid in a separate check or with the rent?

– Are utilities metered or pro-rated (in older buildings it’s common to be charged by square footage and/or number of occupants, which can leave you subsidizing the people who turn the a/c down to 60 in the summer or the heat up to 80 in the winter – you may not be able to avoid this but it’s worth trying).

– Are there any switched circuits in the apartment. Buildings built in the late sixties through the early eighties often have switched circuits. If they do, then with the number of devices used these days you will probably have to have something important on the switched circuit – tape the switch in the on position! (Trust me).

– What are the rules on hanging pictures?

– Who is responsible for paying for and replacing bulbs in permanent fixtures? If it’s you and there’s a fixture with weird/unusual bulbs (globe style, chandelier style, etc) ask where you can buy the bulbs.

– What are the rules about pets? Do they have breed specific restrictions on dogs? Size restrictions on fish tanks? (Believe it or not that’s not uncommon).

This will be so useful once my lease is up thanks tumblr ☺️🙏🏾

Just in case someone needs it ❤

70slsbn:

70slsbn:

the greatest skill a woman can learn for herself is self reliance

to clarify … so many strong women in my life rely on men. that dependence is dangerous. ladies here are some good ref resources I’ve found helpful on my journey towards self reliance

automobile

plumbing

electrical

home

this list is in no way comprehensive feel free to add on

icanhassugar:

dorian-slay:

softly-blushing-journal:

vixen-ceo:

Someone should do a post on dressing in a way that looks ‘expensive’ but not breaking the bank

Wear black with gold/cream/silver detailing. Buy items that fit you well at the WIDEST POINT OF YOUR BODY and get them tailored to fit the rest. Stick to simple, clean lines and use accessories (detailing on a black/white purse for understated, a colorful purse for a bigger statement, , brightly coloured shoes if you go for fun shoes at all, funky jewellery) to add individuality and personality. Stick to neutral makeup in nude tones (+ false eyelashes), except for red/pink/maroon lipstick. Paint nails red for universal appeal, white or cream/beige for a bright neutral, black/grey/maroon for darker neutral. Keep them long enough that you can audibly tap them on objects, but not long enough that they interfere with mobility. Don’t touch your own cuticles unless you’re a wizard.

Don’t try go for red lips, red nails and red heels IMHO. Even if you rock Loubs, it just looks so extra- in a bad way. Never coordinate your purse, nails and your shoes around anyone in fashion- it looks good to regular folk but it comes across as slightly tacky, slightly lazy, and very unimaginative to anyone in fashion.

I’m still trying to figure out hair but…That basically covers it, I think.

You should know your skin’s undertone & what jewellery works for you. For example, I have a very golden undertone & silver looks really horrible on me.

Where to shop:

  1. Zara: I find Zara has a knack for tailoring their clothes to fit your size very well. They’re very clean, & often minimalist in nature. Shoes are affordable & amazing, especially if you have wide feet. If you still can’t afford things here full price wait for their end of season sales. 
  2. ASOS: they are a one stop shop & you can easily compare prices between brands. The ASOS brand itself is pretty great. If  you’re a student, make sure you sign up so you can have a 24/7/365 10% discount on purchases. Their sales are phenomenal & they have a great customer service & shipping policy.
  3. H&M: I used to hate them but they’re upping their game. They’re very good for basics such as camis and long sleeve shirts.
  4. Lord & Taylor: They have a good selection of quality fashion jewellery that looks very decent. I swear by their earrings.
  5. Thrift stores: This is obvi hit or miss & takes a bit more time & a bit more knowledge about the kind of fabric youre looking for etc but one of my most complimented shift dresses was bought at Goodwill for $4 & I also have a lovely silk blouse I got for $3.
  6. Saks Off Fifth: This is Saks Fifth Avenue’s version of Nordstrom Rack. If you’re looking to invest in quality designer pieces but want them at a bargain, this is a reliable source.
  7. Poshmark: This is a site where people buy things from each other’s closets. I sell & buy from there. There was a beautiful asymmetric skirt that got sold out at H&M last year that I ended up finding here in my size. Basically thrifting online & everything is cheap.
  8. The RealReal: Online consignment store for designer goods. If you want to splurge on a designer bag or shoes without paying full price, this is a great place to get pre-loved items. 

How to take care of your closet:

It doesn’t mean anything to buy quality pieces if you don’t take care of them. Looking after the things you own will keep your closet looking expensive.

  1. Find a cobbler: I swear by my cobbler. A good cobbler will take your raggedy ass worn out shoes & make them presentable again. I have a habit of wearing my shoes down to the ground but my cobbler fixes them right back up for cheap. Your cobbler will also more likely than not know how to take care of leather goods such as bags.
  2. Find a tailor: This is more expensive than a cobbler but 100% worth it. My tailor has taken some pieces of mine & turned them into gold.
  3. If it says dry clean, dry clean. Don’t ruin your clothes by cheaping out. You’ll thank yourself later.

Get a Nordstrom Debit card.  It shops directly from your bank account like your regular debit card but comes with $100 worth of free tailoring each year, even at Rack.  

watts-of-dragons:

yatahisofficiallyridiculous:

geardrops:

jmathieson-fic:

amireal2u:

taraljc:

camwyn:

sunreon:

anextremelysadmeme:

hagar-972:

codeinetea:

vanishinginthepark:

codeinetea:

cyborg-cat-girl:

codeinetea:

cyborg-cat-girl:

codeinetea:

I have $24 to last me til Friday, what should I buy with it?

a pallet of ramen noodles

I hate ramen noodles tho

hmmmmm

bees?

Are you suggesting that I eat bees for a week

This is roughly what I make sure I have in my kitchen all the time along with rough estimates of local prices (MN). I buy a lot of things when they’re on sale and stockpile them. 

instant oatmeal packets with fruit in them – $3 probably and this can be breakfast all week and maybe even a lunch or dinner too since you usually get 10 packets

bag of rice – $2-3 depending on size. 1 cup dry rice makes enough for about two meals depending on what you add in. if you get cheap rice, rinse it before cooking

canned beans – usually under $1 per can – mix the can with your rice and you have a meal. chili-spiced beans will make bean tacos. Rinse non-spiced beans before adding to anything.

Tortilla – usually around $3 but you get like 8-10 of them. Tacos, wraps, and quesadillas are all fair game here

lettuce – $2 max around here, either a head of something or bagged precut depending on preference, use as a salad or on tacos

protein other than beans of some sort – probably $5-7 for meat, $2-3 for eggs. sometimes I can get bags of frozen chicken breasts in this price range and each is usually 2 meals if I add in a bunch of veggies. fry/scramble eggs and add to any of the options. 

your favorite stir fry sauce – $3ish

vegetables – $5ish. literally anything that you can 1. fry in a pan and 2. you’ll eat. fresh carrots are usually pretty cheap. get frozen if it’s cheaper and you’re strapped for cash/prep time on this part. 

alternative to stir fry:  pasta (~$2), fresh tomatoes (~$2), cheese (~$3). 

cheese and fruit if you have extra – look if your store has loyalty cards for free that you can load coupons on for cheese there’s always one it seems like.

ahh thank you!!!

Reblogging because there’s never knowing who’ll need it.

Adding also: the single most nutritious food on earth is potatoes in their peel. Potatoes + some milk and butter = everything you need. They don’t last all that long, but they’re fairly cheap and the quickest cheat to “How do I not fuck my body up.”

(Cooked potatoes’ll last a while in the fridge. Potatoes nearing the end of their useful lives? Cook them to half-done first, figure out what to do with them later.)

Easiest baked potatoes: slice thinly but not paper-like, spread like cards, brush with oil (a silicone baking brush is totes worth the little it costs), spread salt and pepper (a little less than you think you’d like), cover with foil, stick in oven or toaster-oven at 150C for 40min. (If you have the patience, at that point click up to 180C, remove the cover and add 10-20min.) Reheats well, lasts in the fridge longer than it’ll take you to nom.

Dead-Animal-Free Whole Protein: some legumes + some grain. AKA rice and lentils, or rice and beans. (Maybe some fried onion for flavor; onion’s cheap and stays good a descent while. Fried onion makes everything taste better and keeps forever in the freezer, so frying up a bunch and keeping portions is not a half-bad idea.) (If going for the beans option – lentils are cheaper around here but fuck if I know what it’s like in your area – dump some tomato sauce and oil in; canola or soy are best health-wise, and far cheaper than olive; avoid corn.) Oh, what does instant couscous go for in your area? It keeps for fucking ever, it’s usually cheap, and it takes well to any and all added taste.

If you get to choose, black lentils taste the best and need the least soak-time (0-20min), green lentils are best for cooked stuff and red lentils are best in soups. (Red lentils + potatoes + root vegetables of choice + spices; cut into small pieces, cook, run through the blender if you wanna [stick blender’s awesome], freeze in portions.)

When possible, get instant soup mix. Get the good instant soup mix. (The kind that’s not made primarily of sugar, yeast or both. The rest is optional.) Dump 1/2tsp (or more, but start on the low end) into couscous, or chicken, or sprinkle over potatoes being stuck in the oven. Whatever. It’ll make most cooked-food-type things taste better. And again, lasts forever on the shelf.

If  you can have eggs (goodness knows they’re sometimes expensive), dump some tomato sauce in a pan (tomato sauce lasts forever on the shelf), add some oil, onion/beans to cook in it, hot peppers if you wanna, then when it’s nearly ready crack an egg or two in. Hard-boiled eggs last a remarkably while in the fridge, so when eggs reach near the end of their usable lives, just hard-boil and stick in the fridge.

(Have eggs as often as you can, particularly as you have brain-shit going on. You need all the eggs, salt, and 60%-or-more chocolate you can get. Brains are made of cholesterol and salt, so folks with neuro or other brain shit need more of both. Potassium is also aces. You know what has the most potassium? Tomato paste.)

Grated cheese keeps in the freezer for ever. Grated cheese will make a lot of things taste nicer. Preserved lemon juice keeps forever in the fridge. Grated cheese + oil + lemon = instant and awesome pasta sauce that’ll liven up the weeks-old dry pasta in the fridge.

Slices bread also keeps well in the freezer. Try to have half a loaf or a loaf. Dry bread gets cut in cubes, mixed with oil and the aforementioned instant soup, stuck in oven at lowest until properly dry, then kept in an airtight jar to add to soups.

(Over-ripe tomatoes come cheaper. They get turned into soup or sauce, then frozen in portions.)

this is a very good post but why are we glossing over the fact that the alternative to ramen is bees

i have it on pretty good authority that bees are not an affordable eating alternative to ramen.

Seriously, bees are expensive

Trufax. 

And speaking as someone who is also living off oatmeal, beans, and brown rice, if you need recipes, I have them! 

Today I made 16 bean soup with chicken sausage and it was crazy good and I got 8 servings out of the one batch (froze half). I usually get the cheapest beans I can find, and GOYA bags of beans are usually $1-2. I soaked them overnight,rinsed them, and threw them in a gallon lidded saucepan with 2 boxes of chicken stock (also on sale for $2), two bay leaves, sauteed green pepper, onion, and celery, some garlic from a jar, about two tablespoons of dried herbs de provence,and the “fancy” bit was adding $6 bourbon and apple chicken sausages. You can actually sub veg stock for chicken and skip the sausage and make it vegan and it would still taste great.

Oh and I’ve been doing steel-cut oats. I don’t buy the name brand ones, I just pick whatever store brand/generic I can get for less than $4. They take about ½ an hour to make, but they’re super tasty and I make 2 cups

of dried oats at a time

with dried cranberries and that’s breakfast for 4 days at least. 

I’ve also been making black bean soup, red beans and rice, and curried potatoes and chick peas. I got 100 quart and pint take-away containers from Amazon for $20 and they all stack neatly and are perf for one serving of whatever.

Additionally, depending on where you live, whole rotisserie chickens are something like $4-$7 and are easily 4 – 6 servings of protein and on TOP of that, if you stick the carcass in a ziplock bag and then the freezer you have excellent soup makings. Using bones in soup literally squeezes all viable vitamins and minerals out of the suckers. Soup made from lots of bones is great to keep around if you get sick, it’ll feed and sooth you relatively easily and as you get better you can add noodles. ON TOP OF THAT, a quarter to a half cup of soup broth added to a lot of dishes also adds those nutrients PLUS flavor.

Here’s my “How to eat for a week on $30″ post.

don’t forget Good and Cheap: Eat Well on $4 A Day

Yall are clutch for this lmao cuz ima need this for about the first month after I move

Reblogging cause who knows what your followers are going through rn

The best part of being an “adult”

– there is nobody to say I can’t have cookie dough at 2 am

The worst part of being an “adult”

– there is nobody to say I can’t have cookie dough at 2 am