fuck banks [general rant]
13 years ago
General
I'm now $300 in debt (and rising $6.50 per day!) because of shitty overdraft protection I didn't even sign up for. Awesome. And the whole time I didn't notice because their online banking doesn't believe in negative signs? So now until I have it down to -$5 or they'll charge me $6.50 per day until then.
And I have $11
that's it
I have people who "forgot" I was making them a fursuit & won't pay me their final payments because they "don't have them together yet", but can buy a bunch of new shit & post about it on Facebook hmm
I'm seriously fucking sick of doing this, I'm sick of people flaking, I'm sick of having hardly anyone commission me, and I'm sick of being suicide-level stressed every goddamn month because I have no money to pay rent because of flaky-ass people, and I've only been moved out for 4 months now, I have no idea how the fuck I'm going to handle the rest of my goddamn life
I'm getting rid of discounts, stopping lowering prices for friends, I'm getting rid of everything that'll bring prices down because that has been abused to no fucking end, and I hardly get any money from the work I do, and if I raise my prices any higher (SPOILER ALERT: I LITERALLY MAKE SOME OF THE CHEAPEST FURSUITS OUT THERE, THERE ARE BRAND-NEW PEOPLE CHARGING MORE THAN ME AND I'VE BEEN DOING THIS 4 YEARS), I'll get even fewer commissioners than I do now
And on top of that, I was going to save some money to pay for an ad to *MAYBE* get some new commissioners, but that's not happening now either
And on top of all this, I puked my guts out for 2 day & am behind in every fucking class
awesome
And I have $11
that's it
I have people who "forgot" I was making them a fursuit & won't pay me their final payments because they "don't have them together yet", but can buy a bunch of new shit & post about it on Facebook hmm
I'm seriously fucking sick of doing this, I'm sick of people flaking, I'm sick of having hardly anyone commission me, and I'm sick of being suicide-level stressed every goddamn month because I have no money to pay rent because of flaky-ass people, and I've only been moved out for 4 months now, I have no idea how the fuck I'm going to handle the rest of my goddamn life
I'm getting rid of discounts, stopping lowering prices for friends, I'm getting rid of everything that'll bring prices down because that has been abused to no fucking end, and I hardly get any money from the work I do, and if I raise my prices any higher (SPOILER ALERT: I LITERALLY MAKE SOME OF THE CHEAPEST FURSUITS OUT THERE, THERE ARE BRAND-NEW PEOPLE CHARGING MORE THAN ME AND I'VE BEEN DOING THIS 4 YEARS), I'll get even fewer commissioners than I do now
And on top of that, I was going to save some money to pay for an ad to *MAYBE* get some new commissioners, but that's not happening now either
And on top of all this, I puked my guts out for 2 day & am behind in every fucking class
awesome
FA+

However i just got a job, and would love to help you. Do you make foam bases on commission? I have two suits i need to make soon, and I buy the bases from other artists, as i can not make them myself.
I definitely need to get another job though, this is not cutting it x___x
But I would need a bear, and a wolf base. Want to shoot me a note with your prices?
I'll note ya right now :33
Hope things turn around for you. ; n;
I wish I could take a break, though, agh >.<
will you be my bounty hunter
idk why anyone would act like they didnt commission you or w/e...
i cried like, everyday because i ended up not getting that opossum from you (WHICH I SHALL GET SOME DAY....) and again because of Monday
i would agree with Vanya though, get at least a part time job and make suits more of a side thing.
just like normal art... you gotta have a big name to make a living off it.
Yeah, I definitely have to get another job, haha. I just gotta take a semester off of school or something, it's just too big of a waste time/money/energy right now
Just tryin to help..debt is no fun at any amount.
But tunny you have an awesome and original style. Just keep building girl :) if you build it..they will come.
1) immediately call and rant like hell to that bank. Call them, talk to supervisors, if that doesn't work tell them you'll go in. You might have to do so and continue in person. Rant like hell. HOWEVER, if you owe them money (besides the BS they tried to pile on you) like it started because it overdrew by $3, make sure you have that with you. If they're charging you a new monthly fee and you didn't sign up for it, then call and try to get that straight. That stuff sounds flat out illegal to me tbh.
2) switch to a good credit union. Make sure they don't have hidden fees, most don't but I know the teacher's credit union will actually charge you to cash checks that aren't made with them, which is total crud.
I've had problems with key bank, bank of america, US bank, and WaMu. Usually it was a case of I put in money, but it did not register that money had been put in. So when I went to spend said money, it overdrew the account, and it'd charge every transaction after (even a transfer-in to remove the overdraw) as a fee, so I lost like $45 and had to call and raise hell to fix it.
As for commissions, there's a couple things I've known to work.
- Make a "special" offering to put out discounts for things that are artistic freedom or something. This allows you to work quicker without having to check in as often to see if it matches their character (usually)
- add in something to your terms that will allow you to sell their suit if they miss 3 payments (if they're supposed to pay every month, and skip 3, then they relinquish their suit and allow you to sell it.
- Take requests. No, seriously. Take requests for standard animals. Foxes, wolves, etc are going to be popular ones. Just as long as it isn't specifically an original character, like "Do a green fox with purple ears and a black X on it's snout" sort of thing. Ask "What do you want to see for sale as a pre-made?" take the requests there and try them out.
- There are free ways to advertise. Offer a little raffle for a free small tail or something, say "Advertise this in your journal to enter!" and make it a requirement that they have to be a watcher to enter. Hold that for about a week and see how far it goes. Make sure you don't extend it or it might make people iffy about entering again. Though it isn't unreasonable to list that the winner will have to pay shipping charges, (especially if they're out of country!) more people will enter if you don't require that. These might not be the people to commission you, but they'll send more people your way, which is exactly what you want. The more people that watch you, the more likely you'll pick up commissions.
- And last but not least, ALWAYS advertise you're taking commissions. A lot of people won't realize if you're taking commissions or not if it is not clearly listed in journals, on description posts of pictures of fursuits, or on your front page. Make sure it's clearly listed. Perhaps turn it into a different font color. After looking on your front page, it was not immediately clear if you were taking commissions or not. I use a light background would easily pass over that. I:
Hope this helped? Sorry it's not much and it's likely things you've already heard, but hopefully it gives you some path to try.
Thanks so much, I'm totally going up to the bank this week to bitch at them & see if they can lower all that stuff down at least a bit