41 years old and foreveralone, negative net worth spending time with a herd of cats watching Netflix and paypigging mobile games

Might have gotten some of this wrong, hopefully mostly right though

Brianna, 41, Seattle WA

Single, owns a few cats, no mention of boyfriend/girlfriend/exes

"I have a lotta debt. It's a lot of stuff I've racked up from a long time ago and I've been slowly making progress over time but just this year is when I started making a really decent income"

• Increased by $6'000 annually

Wants to leave her current apartment because "the neighborhood is going south"

Career:

• Job 1: Bookeeper

  • Small private firm

  • 25.75 full time (53k yearly)

• Job 2: Podcast assistant

  • Working on two podcasts for a woman who has health and wellness podcasts

  • Show notes, artwork, audio-editing

  • Flat $385 a week altogether

• Around $6'000 monthly pre-tax?

Expenses/Debts:

• $176 in subscriptions

  • "If you have netflix you have time to work!" timestamp

• Rent -

  • "I'm lucky right now my rent is extremely reasonable"

  • "I've been living in my apartment for a really long time"

• Apple Card (Card 1):

  • March31 $1'975 -> April30 $2'300

  • $46 minimum payment

  • Blames lifestyle creep for the increase in her spending

  • "Did you follow a budget?" "Then I did not but now I do"

  • Pays down balance that would accrue interest before interest is charged? I didn't understand this one timestamp

  • Lots of eating out, 3-4 visits to watch Mariners games

  • Paypigs hundreds of dollars a month on Angry Birds

  • 2 apple purchases financed -

    • 0% APR on an Apple Watch

    • 0% on some cat thing

  • Emergency pet services put on the card because she didn't have the cash on hand

  • Claims she has had it for almost a year now and has not paid a single dime of interest

• Card 2:

  • $6'718

  • "That card was actually twice as much, I split it to do a 0% apr with a balance transfer"

    • "That was like 14'000" "I'm not quite sure what I spent that money on"

• Citi (Card 3)

  • $6689 -> $6'339 (Made $350 in payments on it)

  • minimum payment $63

• Amazon Card (Card 4):

  • "Because I was buying things on Amazon I opened an Amazon card for the the the points or whatever but this will also be paid off without accruing interest"

  • $555, $361 on traveling to see Caleb

    • He's not comping these people's flights timestamp

  • Whole Foods

  • A pair of shoes because she's been walking more often for fitness?

• Student Loans timestamp

  • $18'000s

  • 5% interest

  • "All Federal?" "I don't know"

    • They are federal

  • In deferment for a very long time when she was younger

  • Opted not to pause her loans?

    • Didn't realize she could pay them off still while they were paused

  • $304 minimum payment

• No vehicles

  • does not drive

Savings/Retirement:

• $100 -> $300 -> $0

• "Every time I try to put money in savings I'm like no wait I should spend that on paying my debt down and like-"

• Paid 225 for a psychic reading timestamp

• $200 in Robinhood

  • Some health thing, treasury bonds, and a vanguard etf

  • Cashed it out and spent in on credit card bill

• "Stash"

  • 2 accounts both around 1'200

  • bunch of random stocks

• Job just started to offer a 401k and she's made 1 contribution

• "I have a contingency plan for retirement" "What?" "It's my best friend, she has a pension and VA disability and she said I could we could get married"