EFFORTPOST Aspiring Lawyer working at part-time at HEB with $1028 in minimum payments

Elise, 24, Houston TX

Career:

• Cashier HEB

  • Spending a lot at HEB

    • says she spent on water bottles

  • $1'348 income

  • been doing this job for 5 years timestamp

    • 

  • HEB only lets her work up to 35 hours

• "I've been looking for jobs that are like salary paying jobs but I don't know where to look" timestamp

Personal Life/Education:

• Mentions she got pell grants, scholarships and some other stuff for undergrad timestamp

• Studying for LSAT

  • Future Lawyer

  • "I want to go to a good law school but it's debatable what's good" timestamp

    • Mentions UT and Michigan as ones she's looking at?

  • Father says she has to go to law school or move out

    • He got several degrees blah blah blah, has a hundred thousand in student debt?

  • Father wants her to just take out loans for law school? She wants to wait a few years and pay off debts?

    • 

  • Poli Sci Degree undergrad

• Lives with her dad

  • Moved back home after graduating college in May 2023

• Claims she found his channel last month and has only then changed her spending

• Didn't work from January to mid-March

  • Exhumes grandfather's body to defend her timestamp

  • Revises this later to not working for 5 months this year timestamp

Spending/Debts:

• Credit Score - 640

• Multiple overdrafts

• Missed payments on multiple debts

• Carrying balances on cards (still spending on them)

  • Justification - timestamp

• Lots of eating out

  • Reading through it - timestamp

• "Why is all going to 'frick you' spending?"

  • timestamp

• "This was your most recent statement though, so this just happened

  • Justification for only just changing spending timestamp

• Synchrony (Card 1. $1216.73 => $1280.56 timestamp

  • Missed payment

  • $77 minimum payment, next is $117 due, normal is $40?

  • $23 in interest added

  • $40 of fees

  • Totals for 2023 on this card:

    • $189.00 in fees

    • $195.27 interest

    • $284.50 interest paid?

• Discovery Card (Card 2. $773 => $697

  • $38 minimum payment

  • Made $93 in payments

  • $17 in interest charged

  • Totals for 2023:

    • $30 in fees

    • $137.76 in interest

• TDE Credit Union (Card 3. 2'608 => $2'558:

  • $58 over the credit limit

  • $25 fees

  • $29 interest

  • 2023 total:

    • $125 fees (5 missed payments)

    • $264 interest

• Car 2020 Toyota Corolla $23'812 remaining 17.17% interest rate

  • $563 payment

  • $28.18 late fee

  • Probably worth about $17'000

  • Got car May of 2022

  • Went full r-slur at the dealership out of laziness holy shit she's a born mark

  • Storytime - timestamp

    • So I just let the dealer run my credit and told him I wanted whatever I was approved for

    • Why didn't you like go with someone?

      • I was trying to hide it from my parents

  • Why have you not sold it?

    • Attempted justification timestamp

    • Underwater 8 or 9 thousand dollars

• AT&T (1150?) timestamp

  • Past due $506, says she's caught up now though

  • Normal payment is $230 (includes cell service)

  • Phone, iPad, Apple Watch

    • "You're not even wearing it!"

      • "I left it in my car"

    • Nothing owed on the phone ("trade-in value")

    • $286 on the watch

    • $900 on the iPad

  • Tried to return the watch (failed)

    • Caleb tells her to sell it

• Freedom(?) (Card 4. 1365 => 1233

  • 165 payment made

  • $33 in interest

  • $45 minimum payment

• Student Loans: 27'000 timestamp

  • in grace period right now, extended from November to next May

    • "You get another one if you request it"

  • Planning on deferring them again when she goes to law school

• TDECU Checking Account timestamp

  • $5 balance

  • Spent $12 on a car wash

• Affirms ($300) timestamp

  • around $40 minimum

• Checking Account -$11.69 timestamp

  • she got another car wash from this one

Budget Segment timestamp

• $1070 total minimum payments