Bi and pan girls have entered the chat.

Behind every golden retriever boyfriend is a black cat girlfriend.

You can forgive while also opting out of the situation, though. Forgiveness doesn’t always mean a continued relationship.

I was really hurt about something a friend had done, and was talking to a mutual friend about it. She stopped me and said, “I feel like you are being manipulative right now and I don’t like it.”

She was right. I stopped and apologized, she reassured me that she wasn’t mad and understood I was hurting. Since then I’m a lot more aware of when I’m falling into that pattern. So grateful she told me instead of just deciding I was a piece of shit and doing a friendship fade-out.

What a hero, such a classy way to say “Shut your mouth about shit you don’t know shit about.”

If you’re not a good singer: Semi-Charmed Life by Third Eye Blind. It’s fast enough that you should know the words without reading them, but it’s pretty much talk-singing and doesn’t require much vocal range. For the doo-doo-doo part, it’s pretty high but everyone will sing along with it.

Also Say it Ain’t So by Weezer will get the whole bar clapping and stomping and signing along.

Debt utilization is a big part of a credit score. And just getting that down having multiple high limit cards is a strategy.

I have a really good credit utilization rate, in part because of this. I don’t spend money I don’t have, because I make enough money to cover my needs, set aside savings for emergencies, and treat myself sometimes. And I’m privileged to have people in my life who educated me about credit, what it actually means, and how it works.

Because of these privileges, using credit cards has saved me money by earning rewards and not paying interest. But many Americans don’t have these privileges, which is why I think it’s downright irresponsible and predatory that my combined credit limit is higher than my annual salary. Not home or car loans or whatever, just regular credit cards for regular consumer purchases. That’s a life-ruining amount of credit to have available if you haven’t been taught how to game the system.

Yeah, I don’t necessarily agree with the game, but since we’re in it, I play it. All of my purchases go on credit cards. But I never spend money I don’t have, and I pay the statement balance in full every month so I’m never charged interest. The only time I don’t pay the full statement balance is when I buy a new phone since I have the store card with 0% financing. But anything else, never ever ever carry a balance.

It sucks because it’s basically a benefit for people who have good executive functioning and financial literacy, paid for by those who don’t. It’s a benefit I only get because big banks prey on poor people.

Yeah and average age of credit is a positive factor too. Basically reset that with every one they cancelled.

To build credit 🙃

Talk to your current academic advisor and teachers

Because at the end of the day, they’re all on Reddit. So when reddit says “you’ll get banned for upvoting content that promotes violence [against the oligarchs],” you can’t just make another subreddit because they’ll shut that one down too.

If the admin of lemmy.world says “you’ll get banned for upvoting content that promotes violence [against the oligarchs],” then you can say okay and make luigimangione@otherlemmyinstance.com. People on Lemmy.world can still access the new site, or even leave Lemmy.world entirely if they decide they’re not down with the admin. But they can still access all of the other federated communities they were subscribed to rather than having to quit Lemmy overall.