Hello!

Apr. 30th, 2017 01:18 pm
whisper_in_rage: (pic#11332629)
[personal profile] whisper_in_rage posting in [community profile] 2017revival
Name: Logan
Age: 24
Location: Chicago, IL
Gender: Genderqueer

Describe yourself in five sentences or less:
I'm a fairly goth, music, and art obsessed person. I'm studying to become a therapist. I love animals, I'm loyal, and I am fairly creative. INFP, Gemini sun/Sagittarius moon, empath.

Top 5 Fandoms:
I do not really participate in fandoms, to be honest.

I mostly post about:
My life, goth things, clothes, music, animals, art, gender/trans things, mental health stuff.

I rarely post about:
Legitimate fandom things. I might post about liking stuff but I don't really follow or post about things to the extent of really being involved in a fandom.

My last three posts were about:
-The goth club night I went to last night
-The CDs I purchased
-My plans for the summer

How often do you post?
I've been posting fairly regularly. Not every day. I'd like to try to post on an every-other-day schedule, perhaps, but I think that would be easier if I also had more people with which to interact!

How about commenting?
I don't really have enough people to subscribe to to comment a lot, but I do try to comment on posts with regularity!

(no subject)

Apr. 30th, 2017 09:29 pm
lessonsinescapology: (Book)
[personal profile] lessonsinescapology
I’m Nobody! Who are you?
Are you – Nobody – too?
Then there’s a pair of us!
Don’t tell! they’d advertise – you know!

How dreary – to be – Somebody!
How public – like a Frog –
To tell one’s name – the livelong June –
To an admiring Bog!


Emily Dickinson, poet (1830-1886)

The Museum of the Weird

Apr. 30th, 2017 05:39 pm
[syndicated profile] fauxthentichistory_feed

The Museum of the Weird has been a place spoken of only in rumors for decades, but it wasn’t until Maxwell Keep wrote of his family’s connection to and adventures in the depository of paranormal artifacts that we had any first-person account of its existence.


Disney imaginer Rolly Crump seems to have had knowledge of this unique and frightening place, as he drew various elements of it during the design phase of the Haunted Mansion attraction. Whether Crump had first-hand knowledge of the museum or he was just somehow incredibly intuitive and/or channeling information from another dimension is unknown. 

 

[syndicated profile] npr_news_feed

Posted by Miles Parks

Trump had a "very friendly" phone call with Rodrigo Duterte, a leader accused of leading a mass killing of drug addicts in his country who also once called Barack Obama "the son of a whore."

(Image credit: Bullit Marquez/AP)

WisCon 41

Apr. 30th, 2017 12:49 pm
jesse_the_k: manipulated photo of white woman with glasses & big smile (JK happy 61)
[personal profile] jesse_the_k
Yep, I'm going. Last year was the best one ever, so I'm taking a chance...

I'm also on one panel:

Beyond the Fix or How Do I Live this F***ing Life?
Sat, 10:00–11:15 am
Conference 5

M: R. Elena Tabachnick; Shayla D, Lenore Jean Jones, Jesse the K

When you know there's no fix, your disability's never getting better, might get worse, and acceptance is the only possibility, it's time to share (aka vent). On this panel, we'll air our pet grievances, exchange survival strategies, and discuss the challenges—both surprising and predictable—of life with disability. We'll also share stories we've used to keep going.

I'm always eager to meet first-timers, and of course I'm thrilled to see my con-pals. I'll be at the hotel & therefore available for most any occasion.

(no subject)

Apr. 30th, 2017 01:39 pm
kcobweb: (Default)
[personal profile] kcobweb
Like so many others, I think I have to just declare amnesty, and jump straight on in, or I'll never get started, right?

Today is my chores-day, so I went grocery shopping and have started the laundry, but I still need to strip all the beds and remake them. And do some general cleaning too. My mother is coming to town, so there is slightly more cleaning pressure than usual. But the house is not-quite-as-dire as usual, so I think I'm in decent shape.

She is visiting because this week is the 6th grade musical! (omg) E has the starring female role, but it's triple-cast (so as to create more opportunities - this is what you do when you have to get 65+ kids into one show!), so we don't have to go every single night. I'm pretty excited to see the show, not gonna lie, not just to see E in her element as a shiny shiny star, but also to see all the other kids, many of whom I've known since they were 4 or 5, if not longer. *sniff* Middle school is coming, folks, fast and furious upon us. It's kind of amazing.

It's a chilly day, so I'm going to make soup - and it just occurred to me that I should get out the bread machine too. E is going over to a friend's and Dan is going out too, so I will have the house to myself this afternoon. \o/

(no subject)

Apr. 30th, 2017 05:59 pm
beccaelizabeth: my Watcher tattoo in blue, plus Be in red Buffy style font (Default)
[personal profile] beccaelizabeth
Today's dreams started with me having teleport powers if I stepped between to another dimension. Because I'd bonded with a dragon and could therefore use their powers. But I was cranky about that because me and my dream husband both had gold queen dragons, so I with the younger dragon had to move to a new city to start a new weyr. We could visit, because teleport, but we couldn't just build a life together, because dragons are cranky and territorial.

And then I got to the St Louis of Defiance and met Nolan the ex military Lawkeeper, who had a Bronze dragon.

And then I got very cranky because would having a conversation first be too much to ask? Gold be too eager. Now there were eggs.

Read more... )




Alien invasion arriving and finding magic is a very GURPS setup. Volge vs Dragons would go a bit interesting. But tech blows things up on such a larger scale than magic tends to, because it tends to unbalance the dungeon crawl if the wizard can go nuclear.

Still, if resources the size of a country could focus magic, probably they'd get some really big booms.

And forcefields are always handy.



McCaffrey thinks her worlds are SF because the gems and dragons are not magic, they're perfectly respectable psi powers and so forth.

I say go forth and mix it up, because sufficiently advanced magic is indistinguishable from science, if it has a consistent ruleset behind it.

And if it doesn't it's probably all quantum and infinite improbabilities.





Being awake is so much more boring.

Dragons and magic gems and even redecorating with nice furniture be more interesting.

Check In #2

Apr. 30th, 2017 12:42 pm
reeby10: (Default)
[personal profile] reeby10 posting in [community profile] wipbigbang
 Hi everyone!

It's that time again. Welcome to the second Check In! Like the first one, this isn't mandatory, but it is much appreciated by the mods if you would just let us know how you're doing, even if it's only a few words. Comments are screened, so we're the only ones that will see. So come one, come all, come vent, come celebrate, come worry! Let's do this thing! :D

Reminder: snippets are due in two weeks on May 14th. Get crackin' on those fics!

Funny

Apr. 30th, 2017 06:36 pm
elisi: (wtf)
[personal profile] elisi
I haven't had time to write anything yet, so instead I am going to share a hilarious Tumblr post:

Common answers to seemingly simple questions asked about Doctor Who

No liquids near keyboard.

In case you are NOT familiar with Doctor Who... Well, this is the kind of stuff which will become second nature, without even thinking about it.

(no subject)

Apr. 30th, 2017 10:37 am
monanotlisa: (action - resist)
[personal profile] monanotlisa
Reposting from [community profile] thisfinecrew; emphasis mine:
The latest attempt to repeal the ACA (which is designed to placate the Freedom Caucus) is now being opposed by some of the more moderate Republicans who were on board with the first attempt. With the House Republican leadership trying to figure out how to proceed next week, here's a target list of representatives who need to be contacted today or Monday to let them know you oppose ACA repeal.

https://mobile.twitter.com/TopherSpiro/status/857975457106538497

Dear Primetime Player

Apr. 30th, 2017 07:21 pm
trobadora: (Nick/Renard - Grimm)
[personal profile] trobadora
Dear Primetime Player,

thank you so much for writing a story for me! I'll be absolutely thrilled about anything you can create about the characters I requested, and everything important is in the requests themselves, but if you'd like some additional info/ideas/thoughts, here's rather a lot of it:

General Preferences

Let me just offer you two links that I think sum up my general preferences when it comes to fic pretty well:
  • Junetide letter - a post I wrote some years ago for the Junetide exchange about my preferred character dynamics, themes etc. It was written with original fic in mind, but most of it should easily transfer to fanfic.

  • Ultimate Fanfic Trope Showdown - a meme about sorting fannish tropes by personal preference, with some more trope talk in the comments

I hope this is useful for telling you about the kinds of things I like to read. :)

Now for the fandoms and characters I requested, in no particular order:

Grimm - Nick/Renard/Juliette, Nick/Renard, Renard/Juliette )

Sherlock Holmes - Arthur Conan Doyle: Holmes/Moriarty, Holmes & Moriarty )

Highlander - Methos/Cassandra )

Legend of the Seeker - Cara/Darken Rahl )

The Sarah Connor Chronicles - Sarah Connor & Catherine Weaver, Sarah Connor/Catherine Weaver, Catherine Weaver & Savannah Weaver )

(no subject)

Apr. 30th, 2017 01:19 pm
the_rck: (Default)
[personal profile] the_rck
I'm pretty definitely not making my Camp NaNo goal. I'm about ten thousand words short, and I'm not even going to try to write that much today. Three thousand words is generally an extremely good writing day for me. The word count I'm likely to end up with is in keeping with my usual monthly word count so far this year, so I think, if the month hadn't been unusually exhausting, I'd have made my goal.

I signed up for Not Prime Time last night and discovered that requesting 'any' for characters/relationships wasn't allowed. I had two fandoms with specific character requests and four where I wanted any. I had to narrow things down. I suspect I wouldn't have bothered nominating twelve options if I'd known I could only request eight.

The FFnet troll is still at it. I'm deleting the messages unread. I'm not getting other FFnet comments at the moment, so I may just start sending everything straight to trash. That'll save me the two or three seconds that deleting takes.

Scott tried the turkey bratwurst with pork casings last night and is having some minor trouble. He's not entirely convinced that's the cause, but he's also not certain it's not. And this makes two times with trouble after pork out of two tries, so... Yeah. I foresee a lot of chicken in our future. I just hope this doesn't stretch to include problems with dairy. Things starting to get worse after seventeen years is surprising. We don't know why the change, and we don't know that it will stop.

My mother is in Michigan and apparently has been for two weeks without telling us. It's frustrating but very typical of her. I talked to her yesterday. She said she might try to get over this way some time in the next couple of weeks but that it depends on her finding a contractor who will actually show up when promised and do the work she needs done.

I have a bunch of tiny things that I want to get done but that aren't important enough for me to have given them priority any time in the last few months. None of them will take more than fifteen minutes, but they're just that bit too much for me.

Okay. Nap time.

(no subject)

Apr. 30th, 2017 01:14 pm
withinadream: (Default)
[personal profile] withinadream posting in [community profile] lesjoursdete
Initial matching went well--no one's offers were unmatchable, and I don't expect any initial pinch hits. I'm going to adjust assignments today, but they will be out by 11 pm EDT tonight.

In addition, requests are now visible at the AO3 collection.

4/30/2017 Nimitz Way

Apr. 30th, 2017 09:01 am
mrkinch: Erik holding fieldglasses in "Russia" (binocs)
[personal profile] mrkinch
My plan to be at Inspiration Point pre-dawn foundered on being awake from 2 am til sometime after 3 (when I turned off my alarm) so I didn't get there til 6:30 and spent two hours hanging about along the first half mile of the trail. It was amazing. Saw my first of season olive-sided flycatcher, though I've been expecting them all month, and bird of the day was Cassin's vireo, first I've encountered in that area. Spring along Nimitz Way: )

I had a very intriguing mystery bird. )

Here is a post

Apr. 30th, 2017 05:37 pm
sareini: default (Default)
[personal profile] sareini posting in [community profile] 2017revival
Name: Sareini, or Kat (darkkat on LJ)
Age: 37
Location: Somewhere in the middle of the UK
Gender: Mostly female with male leanings

Describe myself in five sentences bullet points or less:
- Widowed, no children, two cats
- Has depression, OCD, severe anxiety and panic attacks, and PTSD
- Lover of many geeky things, including comics, video game and (nearly) all things horror, particularly zombies and found-footage (for my sins)
- Discordian Taoist
- Have filled my house with yarn in my ongoing quest to knit and crochet all the things.

Top five fandoms:
- Horror movies
- Comic books (specifically Loki, X-Men and the Bat-Family)
- Criminal Minds
- DC's Legends of Tomorrow
- Steven Universe

I mostly post about:
I'm getting back into having an online journal after stopping for several years (back when I was on LJ). Hearing about the latest disaster that LJ had become, I decided to move over here (to another long-abandoned journal I made for gaming stuff years ago) and so I don't have too much of a regular contents list as of yet. But so far it's mostly cats, my ongoing cornucopia of mental illnesses, movies I've seen (mostly horror), comics and whatever random stuff strikes my neurons. I'm also trying to get back into writing so occasional strange snippets of things - fanfic and originalfic - will probably appear. Oh, and I also swear a lot.

My last three posts:
- Comics recommendations for my brother
- Seeing GotG Vol.2 (some spoilers behind a cut)
- Ranting about the setup of my local brick-and-mortar media store

How often I post/comment:
I'm trying to post every day, unless all I have to post is something like "Still alive. Cats still alive. Weather cloudy," because that could get repetitive fast. The same goes for commenting, although my anxiety can trip me up with that sometimes.

A GIF to describe how your day has been so far:

Dreamwidth comm information

Apr. 30th, 2017 03:59 pm
[syndicated profile] 221b_recs_feed

Posted by unovis

The new community on Dreamwidth (https://221b-recs.dreamwidth.org/ ) is open for members. Links on that site are being updated. The community has been backed up on DW and is in some respects more complete; posts from journals deleted on LJ have been removed from the comm here but still exist on DW.

There is now an RSS feed allowing readers to follow the DW comm on LJ: http://221b-recs-dw.livejournal.com/

The sign-up post on the new comm is here. Guidelines and Info are  here. I've updated the spreadsheet, and will be asking for help in adding DW links.

You can get a free Dreamwidth account yourself, and we look forward to seeing you there! Otherwise, you can use an OpenID account for your LJ account to comment over there.

THIS COMM IS NOW CLOSED TO NEW POSTS.

I hope we'll be seeing you on the other side! My sincere thanks and appreciation to everyone who worked so hard and well to keep this community active and useful.

I apoligize for being slower than usual, even, this month. I'm undergoing cataract surgery in both eyes, and my sight has been unreliable. It's improving greatly, however, and should settle down within two weeks (so, the brevity of this message today). Hope to communicate more effectively with you soon!

Just One Thing (30 April 2017)

Apr. 30th, 2017 05:45 pm
hollymath: (Default)
[personal profile] hollymath posting in [community profile] awesomeers
It's challenge time!

Comment with Just One Thing you've accomplished in the last 24 hours or so. It doesn't have to be a hard thing, or even a thing that you think is particularly awesome. Just a thing that you did.

Feel free to share more than one thing if you're feeling particularly accomplished!

Extra credit: find someone in the comments and give them props for what they achieved!

Nothing is too big, too small, too strange or too cryptic. And in case you'd rather do this in private, anonymous comments are screened. I will only unscreen if you ask me to.

Go!

Hello. Is there anybody out there?

Apr. 30th, 2017 05:37 pm
charlies_dragon: (MerlinBBC - Arthur smirking)
[personal profile] charlies_dragon posting in [community profile] 2017revival
Name: charlie or dragon
Age: old enough to know better, young enough to try anyway
Location: England

Tumblr/Goodreads/IG etc.:
These can all be found on my profile page :)

Describe yourself in five sentences or less:
Oh my, you don't ask for much do you o.O Here goes nothing.

I read (and write) slash, het, gen & multi fanfic, watch/read the same in books/tv shows/films etc. & happily make art for all types of pairings as well.

I knit (and sometimes crochet) and have far too many WiPs but am always happy to add another to the pile, and wish that I had time to dust off my sewing machine and make proper use of it.

I'm an older sister and generally the person who, when no one's in charge, takes charge, but when I had an official Myers-Briggs assessment, the assessor said I was an exactly balanced introvert/extrovert and that she hadn't seen one before...

My love for the fantasy genre & pretty much all things dragon, let me show it to you *opens wardrobe to Narnia, the doors to Hogwarts and the front door of Bag End*

Music is very important to me, for the music itself as well as the memories attached to it.

Top 5 Fandoms:
Currently, and in no particular order ...
- Harry Potter
- Stargate (SG-1 & SGA)
- Black Sails (I need to actually watch s4 *whistles innocently*)
- Game of Thrones (books & TV)
- MCU (mostly the films, I'm rather behind on a lot of the TV/Netflix shows *pouts*)

There's plenty of others that I'm all a-flail over, but these are the ones that I'm either desperately reading fic for, discussing with friends/family like woah or practically counting down the days until it's back on TV (such as Sense8, back on Friday!). Most of the others are either small/obscure or the show's finished so the fandom's quiet (yes, I know that Stargate's been over for a while now, but see my face and how much I care?!) or in some cases, practically non-existent.

I mostly post about:
Fandom, my life, the two mixing, occasionally knitting related things. There isn't really anything that's Not Discussed, but the things below are less likely to come up than others.

I rarely post about:
Politics or religion, but they do come up sometimes. I post about anything that I feel the need to so nothing's completely off the table, but these are some of the less likely things to come up.

My last three posts were about:
- My Saturday (inc. knitting, DOOM (mm, Karl Urban), and stationary)
- A PSA about change in meds
- My Saturday last weekend & Teen Wolf (yeah, I have no idea either!)

How often do you post?
Sporadically, but I'm doing my best to use the move to DW to push myself to post more regularly, e.g. every few days.

How about commenting?
About the same as the above, but I'm more likely to comment than post at the moment.

Wait, You Have To Pay For Things?

Apr. 30th, 2017 05:33 pm
rionaleonhart: kingdom hearts: sora, riku and kairi having a friendly chat. (and they returned home)
[personal profile] rionaleonhart
Jade: Well, well, Luke. A lovely lady on each arm?
Tear: I... I'm not... We're not...
Luke: He's not talking about you. He must mean Anise and Mieu.

Luke, you little shit.

Tales of the Abyss is so charming! It won me over very quickly. It reminds me a little of Bravely Default, actually, what with all the optional ridiculous conversations between your party members.

I'm curious about the fact that Guy is apparently in the habit of creeping through Luke's bedroom window to chat and fleeing before anyone else spots him there.

Below the cut are my thoughts on the first eight hours of Tales of the Abyss! I'm just past Chesedonia.


Early impressions of Tales of the Abyss. )


I'm excited to see where this story is going! But I'm much more excited to see what stupid conversations my party members are going to have next.
oursin: image of hedgehogs having sex (bonking hedgehogs)
[personal profile] oursin

I’m really shocked by how many people say they’ve never been to bed with someone who looked them in the eye, particularly at the point of orgasm.

And I can think of all sorts of reasons for that, and this statement seems to me to have embedded in it a rather trad missionary position subtext of what is sex; and it reminds me of something that I saw cited in Stephen Heath, The Sexual Fix (1982), about some Reichian sexual guru saying that the only proper healthy way to have sex was face to face, gazing into one another's eyes, and being deadly serious (no laughing, this is not funny) and, if I recollect aright, naturally having simultaneous orgasms.

I'm also deeply, deeply sceptical that 'feelings of isolation and a lack of true human connection have fed into the seismic political shifts' lately experienced. Which, you know: It's All More Complicated.

And a niggle: In the print edition this had the subhead: 'young people turn creative to take a break from tech'. And okay, I know what they mean there, but part of me was going, 'you know what? textile crafts are technology too, they are not the primeval world of nature'. I also wonder whether they are really so very stress-relieving, but any time I undertake anything involving stitchery - and I will admit that this is usually about running repairs in matters of detached buttons, gaping seams, etc - I find it a cause rather than a emollient of stress. Maybe if I was doing something lovely and creative instead?

[syndicated profile] lifehacker_feed

Posted by Thorin Klosowski

So, you’re interested in secure, encrypted chat apps. You have a few different choices, but as with any chat app, what all your friends are using is important. To that end, Signal and WhatsApp are easily the most popular. Here’s how they compare.

Read more...

writerlibrarian: Oriental calligraphy in red (Default)
[personal profile] writerlibrarian
Both my preferred teams won yesterday.

Ottawa in sudden death double overtime. The works of a young forward, Jean-Gabriel Pageau, who scored 4 goals, the tying goal and then the winning goal. Both goalies were average in regular time and better in overtime.

Pens won on the back of Marc-André Fleury. Fleury was amazing in the first 20 minutes and kept them in the game until Crosby went enough is enough in the second and manufactured 2 goals, one from a blocked puck in the Pens' zone. That combined with a very competent Kessel (2 goals), the Pens went over the Capitals despite shooting less on goal. The lead the series 2-0 (like Ottawa) and are heading home for the next two. Pens regained Hagelin but probably lost Hornqvist. Two others were injured too. We'll see how it goes on Monday.

Fleury is the reason the Pens are doing so well in the series so far. He rose to the challenge and grabbed back the number one goalie place. Even if Murray is getting better, it's Fleury's place to lose now.

Plan of today...
  • Catch up on the TV episodes accumulated since so many months
  • X-stitch
  • Make food for the coming week : I have grounded chicken and a recipe to make Thai chicken balls
At work I've been given the task of managing the next reno project (even if it's not in my wheel house anymore) sigh. I'm prepping at the beginning of the week and meeting with the engineering project manager on Friday. Hoping this one is better than the last one who was a ghost.

Still reading Xenophon's Persian Expedition which is still entertaining I'm about to pass the 75% point, I have about 100 pages to go.

Amazing Marc-André Fleury is amazing, even being knock around by Ovechkin, stopping pucks without his stick and so many players in front of him.



10 Ways We Sabotage Our Own Finances

Apr. 30th, 2017 12:00 pm
[syndicated profile] thesimpledollar_feed

Posted by Holly Johnson

While the U.S. economy has been adding jobs every month since late 2010 and several key indicators  point to strong economic growth, plenty of Americans still struggle. A Federal Reserve study from last year showed that nearly half of Americans couldn’t come up with $400 to cover an emergency expense. And even though wages in some professions are growing, the rising cost of everything from healthcare to food to childcare makes it harder for the average family to get ahead.

Of course, not all economic issues can be blamed on outside factors. For every financial burden created by inflation, taxes, or lousy wages, there are a handful of self-inflicted financial punishments we create ourselves.

10 Ways You Might Be Sabotaging Your Financial Goals

Sometimes it’s a lack of planning that leads us to sabotage our own efforts, while other times it’s bad spending habits. Either way, it’s not always easy to change long-term patterns – especially when you don’t recognize a problem to begin with.

If you’re doing well on paper but not making the financial gains you crave, it’s possible the way you view money is holding you back. If you suspect maybe you’re the source of your money woes, you could very well be right. Here are 10 ways we sabotage ourselves and our finances every day:

#1: Trying too hard to keep up with neighbors and friends

Having friends who live large can make it that much harder to rein in your own finances – and that’s especially true if you try to keep up with them. If you end up in a situation where you’re spending like they do without the income to match, you could easily spiral into a cycle of stress, regret, and debt.

When it comes to money (or anything, really), always try to avoid comparing yourself to others. Doing the best you can with your budget may not leave you with lots of fancy stuff, but it will leave you better off.

And, let’s be honest: There’s a good chance your friends can’t afford their lifestyle, either.

#2: Using debt as an extension of your income

While a lot of people think of debt as the devil, it’s possible to use debt responsibly. Most of us need to borrow money to buy a house or reliable transportation, after all. And without a business loan, it can be nearly impossible to get your new start-up idea off the ground.

But debt becomes a problem when you use it without thinking. If you use credit cards to buy things you don’t need and can’t afford, you can wind up throwing hundreds – or even thousands – of dollars in interest payments down the drain every year.

Instead of using debt as an extension of your income, use it sparingly – and only when you must. By avoiding pointless credit card debt and the bills that come with it, you can keep more money in your bank account, where it counts.

#3: Buying the first thing you see without shopping around

Prices can vary on nearly everything you buy, from regular monthly subscriptions and bills to insurance products, clothes, groceries, and cars. If you don’t shop around for the best deal, chances are good you’ll overpay.

While some expensive purchases require weeks of research, you should strive to shop around for anything you buy – even small stuff. Fortunately, you can compare prices for most consumer goods online, and with very little ease. Heck, you can compare prices at almost any store on Amazon.com.

Whether you’re buying a sweater, a holiday gift, or auto insurance, make sure to compare prices with at least three competing businesses before you buy. That way, you won’t wind up paying more than you should without even knowing.

#4: Trading in your car every few years – no matter what

As of the first quarter of this year, the average car payment for a new car loan was $506 a month and 68 months long. With that kind of statistic hanging over our heads, it’s no wonder so many of us are struggling with debt and living paycheck-to-paycheck.

If you’ve gotten in the habit of trading in your car for a few one every few years, stop. Consider keeping your car a few years longer, paying it off (in full), and basking in the glory of debt freedom for a while. Once you’re no longer forking over that monthly payment, you may find a newer car isn’t even worth it.

Just think how much money you could save if you weren’t paying $300 to $600 a month for your ride! If you waited just one extra year before trading in, and pocketed the average car payment of $506 for just 12 months, you’d have $6,072!

#5: Paying the minimum balance on credit cards

Carrying high-interest credit-card debt is bad news. But paying only the minimum payment is an absolute disaster.

A family with a $10,000 balance on a card with an 18% APR who pays only $200 each month would need more than seven and a half years to pay it all off. Worse, they would pay $8,622 in interest in the process.

If you’re carrying debt, making minimum payments is only delaying the pain and adding interest to your bill. By confronting your debts head-on, you can pay them down faster and get out of debt sooner.

#6: Trying to save ‘what’s left’

Far too many people wish they could save money but can’t figure out how. So, they approach their finances in the most backwards way possible – they pay all their bills and spend what they want, then try to save “what’s left.”

If saving what’s left leaves you depleted month after month, try paying yourself first instead. By setting up an automatic deposit into your savings account on payday, you can ensure you’re saving money and not shortchanging yourself.

#7: Refusing to use a monthly budget

For some reason, many people see budgeting as something that stands between them and the life they want. But those who budget regularly see it for what it really is – a tool that can help you afford the life you want.

If you’re struggling with money, a budget could be exactly what you need. It doesn’t have to be restrictive, either. Think of a monthly budget as a plan for the money you earn — you’re simply prioritizing what’s most important to you. So if you want to plan for a splurge or a fun vacation, you can. Your monthly budget is there to guide your spending, reduce wasteful spending, and make sure you’re saving first.

#8: Picking up expensive hobbies

If you have an expensive hobby and can’t seem to save much money, you shouldn’t wonder why. Following a professional sports team, playing golf, or collecting antiques can easily set you back if you’re not careful.

That’s not to say you shouldn’t have any hobbies; instead, make sure you can afford your hobbies before you invest in them. Are you saving money for retirement? Do you have a fully stocked emergency fund in place? If not, you may want to think twice and hold off before getting your scuba license or buying a new set of clubs.

#9: Forgetting to set up contributions to a 401(k) or other retirement plan

It’s easy to think you’ll “save for retirement later” or “start contributing when you earn more money.” But, what happens when you don’t?

What happens when you forget to sign up… and several years go by? What happens if you don’t contribute to retirement until you’re 30, or 40, or even 50? Unfortunately, we all know exactly what happens – you wind up short on funds and working until you die.

Whether you’re self-employed or working for someone else, it’s your duty to save for retirement as if your future depends on it. Because it does.

#10: Tapping into your home equity

Banks wish you would see your home as a giant piggy bank. That’s why most homeowners get mailers for home equity lines of credit (HELOCs) and home equity loans ad nauseam. “Just borrow from the growing value of your home,” they’ll say, while never quite pointing out the obvious downsides.

While there are times when borrowing against the equity in your home makes sense — particularly if you’re reinvesting in the home, by replacing your roof, for example — it can be a tough cycle to break. If you continually borrow against the value of your home, you may never own it outright.

And isn’t that the whole point of home ownership – owning your home?

Stop Sabotaging Yourself, and Do This Instead

Are you guilty of any of these self-sabotaging behaviors? If so, there’s no better time to change than right now. Once you figure out what you’re doing that’s holding you back, you can figure out why. From there, you can create a comprehensive plan to stop shooting yourself in the foot and start getting ahead with your money.

Don’t let self-sabotage stand between you and your financial goals. Building wealth takes patience, perseverance, and grit, but it also requires getting out of your own way.

Holly Johnson is an award-winning personal finance writer and the author of Zero Down Your Debt. Johnson shares her obsession with frugality, budgeting, and travel at ClubThrifty.com.

Related Articles:

What ways have you sabotaged your own finances in the past? What would you add to this list?

The post 10 Ways We Sabotage Our Own Finances appeared first on The Simple Dollar.

Linkspam: fannish/geeky, misc.

Apr. 30th, 2017 12:42 pm
umadoshi: (needs more kittens)
[personal profile] umadoshi
Fannish/Geeky Things

A lovely review of vol. 1 of The Girl from the Other Side: Siúil, a Rún, a series I'm adapting for Seven Seas. Vol. 2 comes out next month. (I quite like this review too.)

"Embrace SUPERNATURAL History with John Winchester Journal Replica/Road Map (Exclusive)".

"Patsy Walker, a.k.a. Hellcat! Gave Me Everything I Ever Wanted in a Superhero Comic Book". [io9]

"Anne Rice's 'Vampire Chronicles' TV series is happening".

"Yuri!!! on Ice Anime Gets Brand-New Film". [ANN] "The announcement specifically rules out the film as a recompilation of the television anime." And here's a Twitter thread about the Yuri on Stage event drama performed by the voice actors (this thread explains the event).

"Death Note Producer Doesn’t Understand Everything Wrong With This Adaptation". [The Mary Sue]

"A Black and White Version of Logan Is Coming to Theaters for One Night Only".


Miscellaneous

"I Worked at Fyre Festival. It Was Always Going to Be a Disaster".

"The Critical Evolution Of LGBTQ+ Young Adult Literature". [The Establishment, 2016]

"Female Dragonflies Fake Their Own Deaths to Avoid Males".

As a general rule I avoid ALL THINGS SPIDER-RELATED, but this tweet with extreme closeups of spider feet crossed my radar, and they're...well, the text of the tweet is "You ever look at spider feet up close, they're basically kitty paws".

A local food blog posted "Iconic Foods of Canada: Nova Scotia".

"How Online Shopping Makes Suckers of Us All: Will you pay more for those shoes before 7 p.m.? Would the price tag be different if you lived in the suburbs? Standard prices and simple discounts are giving way to far more exotic strategies, designed to extract every last dollar from the consumer".

"Your Brain on Drug Policy: Rachael Leigh Cook returns with an updated drug message in this PSA".

"Torching the Modern-Day Library of Alexandria: “Somewhere at Google there is a database containing 25 million books and nobody is allowed to read them.”" [Note: there's an annoying animated gif right at the top of the article.]

"Game of Thrones star speaks out against 'horrendous' treatment of refugees: Lena Headey was talking about new film The Flood, which focuses on refugees coming to the UK".

"Why fish do not deserve their reputation for forgetfulness". [BBC]

"The Danger of Being Neighborly Without a Permit: All over America, people have put small 'give one, take one' book exchanges in front of their homes. Then they were told to tear them down".

"The Legacy of Feminist Frequency's Tropes vs Women Series".

Whoops I need to be in bed.

May. 1st, 2017 01:24 am
tyger: Izumi hugging Ed and Al (Izumi - hugs)
[personal profile] tyger
Today was pmuch Groupwork Hell, because of course it was - we have to do a thing tomorrow, and yeaaah - but even though it was super stressful we did manage to get things roughly organised. Which, yay? I think yay.

Going to go sleep now, yup. Hopefully things will go okay tomorrow. Even if not, should see A, so that'll be great. :3

Rise of the Clan launched!

Apr. 30th, 2017 11:17 pm
jolantru: (Default)
[personal profile] jolantru
Rise of the Clan launched. Buy links to come later. :D

Pretty much

Apr. 30th, 2017 11:00 am
jebbypal: (bn awkward)
[personal profile] jebbypal
In 21st century's dating there always comes that point in time that u realize you don't know tre last name of the person you've started dating but that it will also possibly be odd to just ask....

Dear Doctor Who fandom

Apr. 30th, 2017 04:24 pm
trobadora: (River - spoilers)
[personal profile] trobadora
It was "He will knock four times." This has been a PSA.

(Why is everyone misremembering this?!)

In other news, the latest Doctor Who episode was great. )

Meme

Apr. 30th, 2017 10:05 am
kalloway: (FE:F Camilla)
[personal profile] kalloway
Since I've seen similar going around~

Name a fandom you know I like and I'll tell you:

1. The first characterI first fell in love with
2. The character I never expected to love as much as I do now
3. The character everyone else loves that I don't
4. The character I love that everyone else dislikes
5. The character I used to love but don't any longer
6. The character/person I would shag anytime
7. The character/person I'd want to be like
8. The character/person I'd slap
9. A pairing that I love
10. A pairing that I dislike

(any games/books/anime/manga/etc. I've mentioned recently are also fair game)

Vid: We Are The Brave (Mass Effect)

Apr. 30th, 2017 03:03 pm
shinyjenni: Toph from Avatar: the Last Airbender (toph)
[personal profile] shinyjenni
Equinox reveals were yesterday! Thank you to [personal profile] starlady and [personal profile] cosmic_llin for my vids! :D Here is the vid I made for [personal profile] such_heights:

Title: We Are The Brave
Fandom: Mass Effect
Character/Pairing: Ensemble, FemShep/Liara, FemShep/Garrus
Music: VERIDIA
Content notes: Bright flashes, fast cuts, jerky movement. One image of suicide (timestamp: 0:40, please ask if you want more information.)
Spoilers: Contains footage from all three games and all DLC.
Summary: Love is gonna win the fight.
Notes: For [personal profile] such_heights in the Spring 2017 [community profile] equinox_exchange. ♥
Download: here (3:36 minutes, 132MB) | subtitle .srt
Also at: Youtube | AO3 | Tumblr

streaming and lyrics under the cut )

Profile

thefourthvine: Two people fucking, rearview: sex is the universal fandom. (Default)
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