@francesfrances People in that situation generally are... 1) People who found another job that paid more or lobbied for a raise. 2) People who cut back on unneccessary expenditures. 3) People who made scheduled, automatic payments to control their repayment. 4) People who moved to an area with a lower cost of living. It doesn't have to be complicated or extreme. I do the two-job thing but not everybody does it.
"He came back and told me I had a past due payment so usage of my card would be blocked until I paid the minimum amount. First of all: what?! How is this a policy? Is this normal? My account is a month past due at most. In itself ridiculous because I have the money, I just literally hadn’t made time to transfer it between accounts." It's a preventative measure so Capital One won't give you any more money until you make good on proving you'll still pay it every month. They win, you lose. Get rid of that card/actually pay it off!
I had my wallet stolen from my work-study about a decade ago at school. A guy got into our area pretending to be a courier and my bag was kiiiinda in a corner out of sight of other people. I was getting a coffee (thank god I had my coffee before this happened.) My wallet was never found but I only had $30 in it. I did have to get all my cards replaced though. BUT the idiot left my BRAND NEW IPOD (at the time, like $500!) which was sitting in the same pocket. Idiot. I've also been pickpocketed. Jerks took my PRESCRIPTION SUNGLASSES (HAH) and my two-versions outdated phone. (HAH) Still sucked for me though.
@inthepost The problem is that this trend is stigmatizing girls who, at other stores, wouldn't be anything but medium. Encouraging xsmall and small 'only' puts extra thinness pressure on teens already bombarded by media to be as tiny as possible.
@A-M Agreed. This seems like a 'HEY, don't worry about potential failing fertility when you finally leave us because we don't accommodate parental responsibilities very well, freeze your eggs today!'
Williams Sonoma gives 40% off for all products, even appliances, and many items can stack on sale too. I worked there seasonally one year and MAYBE left with $200 to my name. Everybody got amazing Christmas presents that year and I got a Nespresso machine.
When we were kids, my mom used to make pizza bagels, which were really just bagels toasted in the oven (like really toasted) and then double toasted with cheese, so the bagel was super crunchy and the cheese was pizza-goey. No sauce or veggies, but we loved it.
1999 - Teenager! Life is dandy! 2007 - University graduate starting to pay back student loan, the first year of 'HOW many T4 forms do I have for my taxes this year?' SO.MANY.JOBS 2013 - Almost debt-free and finally a positive net-worth!
But less than that, since you forgot to exchange the money!
I totally detect a whiff of 'I prefer to tip people who make LESS than I do' in this post. I think this is due to a preconceived notion that people who work in service industries do so because they are unskilled otherwise and need to rely on tipped positions to stay afloat. And you've already shown that this isn't so. People working in the service industry provides a service, and you tip them whether or not your hairdresser has a nice house or the bartender has a nice car. What they do with said money or how much of said money they have shouldn't factor into the tip for service. I get really concerned when people want to tip out of charity or obligation reasons, just focus on the service. You don't have to convince yourself that they 'have a lot of debt' or 'might need it. ("I had no evidence that there was something awful going on in her private life, like legal or medical bills, that would require supplemental income.") It almost comes across as you want to feel superior in order to tip, which is sort of condescending. I have a second part-time job in the service industry, and I do it to make extra money to HAVE extra money. Do I get tips from people who make less than me? Probably every single shift, because I'm providing a service for them for convenience, entertainment, ease, comfort, etc, all those services and conveniences you enjoy. That said, get a new hairdresser if they aren't taken into account your requests for something new to your hair. Basic trims/maintenance shouldn't be full hair-cut fee if you're a regular.