EFFORTPOST High Value RICED female paying off a 3200 balance on a credit card ends the month with a 4'700 balance on that card

Sienna Wereham, 25, Austin Texas

Self-rated - 1.5/10

Personal Life:

• From Montana

• Lives with Boyfriend (Korean)

  • He pays rent, she "takes care of everything else"

  • Owes him money

  • 29, law student

  • He gets money from his family

  • Just finished his first year (2 more years then Bar)

• Was doing pretty good this time last year but "then like I had a series of like um events come up and that kind of resulted in me using my credit card a lot more than what I normally would have been using"

  • Trying to focus on paying off her credit card but it's going slowly

• No car, uses his car to drive to work

  • Lives close enough to law school he bikes there

Career:

• Bond underwriting assistant

  • 23/hr, 37.5 hours per week (doesn't know yearly pay)

  • Was 40 hours they decreased this during covid?

  • Thinks about 42'000

  • recently hired as a full time employee (only 2 pay periods?)

    • 1'200 a paycheck?

  • 401k contribution is 3% (company match )

  • Contract to hire type thing, she is hired as of March?

    • Paid weekly as contract, biweekly as full timer?

Debt/Expenses:

• timestamp

• Personal trainer twice a week

  • Trying to lose weight

  • Virtual appointments since trainer moved from Austin to Chicago

  • Might be $55 an appointment, neither person says the price but that's what's on the venmo

• Credit Card 1 timestamp

  • "Trying to pay off"

  • "I was paid weekly when I was a contract worker and I switched to biweekly as a full time employee so there was like a bit there where I umm uh I need to go to like the grocery store and stuff but I didn't have enough money to go to the grocery store"

    • DSP soundbite

  • $3212 => Paid 271, Spent $1688, $91 interest => $4720

• Student Loans

  • University of Hawaii at Hilo

    • No idea what this is and I probably heard it wrong timestamp

    • Wanted to go to Portland State but that was too expensive for her (50-60k)

  • 32'000

    • About a 400 minimum payment (5-6% interest)

    • Always been on deferment, graduated in 2021

• Owes Boyfriend $1'800 timestamp

  • Had borrowed money to pay off her credit card that she'd used to make purchases when they first moved to Austin

  • Where'd he get this money from

    • "I can't share that"

  • Gave her the money in August (they moved there in July) ($4'000)

  • After this money her credit card was $2'000

    • Boyfriend said not to pay him back initially because he wanted her to pay off the card, the card is now 4'720

  • Currently paying him $400 a month

Retirement/Savings:

• Story time timestamp

  • "Yeah, so, about this time last year um I had about a thousand dollars in my savings account or twelve-hundred actually but then like I said earlier um there's like a series of like events that happened um"

  • Grandmother in Idaho had a health scare while Sienna was in Korea (boyfriend is from Korea) so flight costs, then spending money while she was visiting?

  • She and her boyfriend had nothing saved when moving into the Austin apartment after that?

    • Took on debt on spending to furnish apartment and groceries? A little uncertain, she backtracks on whether it's furnishings or just essentials

    • Boyfriend had just paid tuition so his account was pretty empty

  • Initial job when she moved to Austin was very stressful

    • Remote job, no friends in Austin, shopping was her only reason to go outside

• Checking

  • $98 started => 1691 in, 1232 out => $557

• Savings

  • $69.26 stated => 10 out for being below min, => 59.26

    • Two charges a half month apart each $5

  • Bank had increased minimum balance from 50 to 100 and she hadn't seen that notice?

    • Bank is up in North Dakota

• Retirement account

  • $86

• Robin Hood

  • $77 total in here