I believe in second and third chances because more often than not I’m the one who’s written off because more often than I’m left after the first time I fuck up because more often than I’m expected to be almost perfect and this weighs on me heavily but it’s my cruel reality so I’ll give a second, a third, even a 4th chance because I believe people can change because I accept people for the humans they are because even if my benevolence burns me at times at least I don’t commit an emotional crime cause judgment without compassion makes one an inhumane and callous robot
Life doesn’t always go the way we planned, and oftentimes our finances take a hit during these detours. Perhaps you lost your job because of downsizing, or you’ve struggled to find good-paying work. Or you could be recovering from financial debt from an extended illness or repair. No matter the cause, financial stress can feel inescapable. Fortunately, there are some steps you can take to change your situation. Life on the BPD explains how.
Consider Changing Careers
Unemployment is a serious problem, and many people have been out of work. The number of people reporting unemployment has varied a lot recently, but numbers are slowly decreasing. This is a great trend, but lost money during extended unemployment can impact you for a long time. And if your new job doesn’t pay enough, it will be difficult to financially recover from that deficit.
If you’re noticing changes to your work prospects with no end in sight, or if the type of job you were doing won’t pay enough to get you back out of debt, you may want to consider changing careers. Think about other areas of interest where your education and work history may be relevant. Consider going back to school. There are many options from traditional classes to night classes or even online degree programs.
Lastly, you may decide that you want to start a business of your very own. Beyond coming up with an idea for your company, there are a few things you need to do to get things started. First, you need to come up with a business idea. This can be something you’re passionate about or have experience in. Once you have your idea, you’ll need to start planning everything out. This includes coming up with a name, logo, and brand. You’ll also need to create a website and social media accounts. Once all of that is done, you’ll need to start marketing your business and getting customers. The best way to do this is by networking and using social media. Finally, you’ll need to continue growing your business by always being on the lookout for new opportunities. If you do all of these things, you’ll be well on your way to starting a new company.
Take Time for Yourself
Between work, family obligations, and worrying, you may find you have little time for yourself. This can lead to a vicious cycle of a lack of sleep and anxiety. When you’re stressed and not getting enough sleep, you’re more likely to eat poorly, which only worsens the problems. Instead, do something just for yourself. You could read a book, take a relaxing bath, or exercise. Engage in anything that takes your mind off your financial problems.
Reevaluate Goals
It may feel overwhelming, but now is a great time to reestablish your financial goals, since you are dedicated to getting yourself back on track financially. Take a look at your current goals and decide if they’re still feasible. It may be time to alter them to adjust to the economic climate and extend the overall timeline. Set positive goals with smaller sub-goals so that you can see your progress. But also push yourself towards a challenging final goal. You may be surprised by what a little positive anxiety can help you accomplish.
If you’re not sure how to set new goals, consider working with a financial planner or doing some online research. They gather helpful information about financial planning, including professionals who can come alongside you to create and support these goals and present them online. A little guidance can go a long way!
Create a New Budget
Budgeting helps you know exactly how much money is coming in and going out. You know how much you can save monthly and how much you have to enjoy.
However, when situations change your budget needs to change, too. You may currently have more costs related to your household, potentially less income, and possibly fewer entertainment options. At this point, it’s time to create a new budget with all this in mind.
Once you have an accurate, up-to-date budget, you should look for areas where you can spend less and save more. With an uncertain economic climate, it’s more important than ever to have a nest egg.
Consider Refinancing Your Home
The pandemic brought about historically low refinance rates. Look at your options, because you could save yourself money each month and in the long run. For example, you can look into cash-out refinancing, which replaces your current mortgage with a larger one. You then receive the difference between the old and new as cash, which gives you some money to use however you choose.
If you’re interested in refinancing, you’ll need to gather some information first. When you cash out or take a home equity loan, the lender needs to know your home’s current appraisal and the amount you still owe on your house. The appraisal will determine how much your home is worth now so that your lender can calculate how much equity you have in your home. The equity is the amount of money your home is appraised for minus the amount you still owe on your mortgage.
Don’t Let Hardships Take a Toll on Your Finances
Life has a way of surprising us – sometimes for good and other times not-so-good. Even if you’ve experienced some financial hardships lately, don’t let them completely derail your finances. Take a deep breath and reevaluate. Then, take steps today to start putting away money, even if that means you have to make a career change or reevaluate your budget.
Distraída, distraída, distraída siempre fui así porque la fantasía siempre es mejor que la realidad porque necesitaba escapar la durez de mi vida vivir en sueños es mejor que vivir la vida que muchas veces me dejan rota y triste con las desgracias que me pasan distraída, distraída, distraída siempre sere asi mientras tengo vida en mi
busco la adrenalina de amor en los brazos de otro pero no siento nada cuando el me toca, cuando el me hace el amor y finjo sentir algo para que el acabe y me pueda levantar y irme a mi casa donde lloro y lloro lágrimas inútiles mientras escucho a Alejandro Sanz y escribo poemas acerca de la soledad infernal que vivo cada día que trato de superar
Happy Asian American and Pacific Islander Month! I wrote this poem inspired by my favorite Asian American, my oldest son.
me and my oldest in 1999
I was young and so stupid a kid having another kid but with you I grew up and learned the meaning of love you’re everything a mother could want a wonderful and amazing son and while I’ll feel some grief the day you’ll your spread wings I’ll feel a special kind of pride as I watch you shine your golden light
I wonder where all of my money goes but then I go home to the bottomless pits that are my kids and then I go upstairs to my bedroom where my closet is exploding with clothes and then I look under bed full of shoes and then I go downstairs to my record player and looks at my various vinyls and we won’t even talk about my newly acquired furniture from Amazon now I understand my money goes to my busy life and my BPD spending impulsivity
vivo de recuerdos y sueños de lo que alguna vez fuimos y quisiera morir que vivir en esta soledad opaca y amarga donde lloro lagrimas que tu nunca veras y escribo cartas y poemas que tú nunca leerás
Fuck you, fuck me, fuck everyone Is my mood stabilizer working yet? and fuck, fuck, fuck my brain chemistry it makes me so angry and crazy Sometimes I’d rather feel nothing than constantly feeling everything Between my anxiety, depression, bipolar And bpd I can’t trust my brain to tell me the difference between right and wrong I can’t trust my heart if my feelings are valid or if it’s inner critic preying on my insecurities on day likes this I’d rather disappear because being me gets so exhausting
Life on the BPD 