EFFORTPOST Blockhead goth g*mer gf that doesn't understand numbers and loves Hot Topic

Avery, 26, Austin, TX

Career:

• 44k at some car company "building cars"

  • paid hourly, thinks it's fairly stable 40 hours a week - 10 hours a day 4 days a week, sometimes 11 or 12

Personal Life:

• Wasn't her first choice to move to Austin, she moved here because her friend already works at the car company

• 800ish rent

• Most of this section got lumped into financials

Financials:

• Checking Account

  • Overdrafts

• "I live above my means"

• Credit Card 1 ($369) timestamp

  • Paid $45 on it

  • Made $116 in purchases

  • $10 in interest added

  • She tries to explain why she hasn't paid if off - she divides her payments between her paychecks???

    • Mentions at least 5 other credit cards

• Credit Card 2 ($450) timestamp

  • Disney Rewards Card

  • Minimum payment $40

  • because she used to go to Disney but hasn't for a very long time

  • Sally Beauty $50 purchase "on a whim"

  • Also some eating out

• Credit Card 3 (2051) timestamp

  • $73 minimum payment

  • $53 interest charged

  • $30 in new purchases

    • "I needed an outfit for a concert"

    • Actually she went to Taco Bell and a Boba Tea place

  • "I'm still making my payments, that's all that matters"

  • Mentions that she will be going to see a couple more concerts. 21 Pilots and a band whose name I can't make out

  • Claims the food purchases are justified

  • Some weird explanation about how she couldn't use her card to get a protein bar and water so she went to get taco bell instead? (I assume she means the vendor didn't have a card reader?)

• Credit Card 4 ($492) (Walmart) timestamp

  • 28 minimum monthly payment

  • No new purchases on this one?

  • She usually uses it but didn't this time?

• Credit Card 5 ($5'004) (Discover) timestamp

  • She bought a computer on there?

  • Minimum payment $125

  • Interest $104

  • She doesn't really understand how interest works and has been trying to pay slightly more than minimum on all her debts? timestamp

• Credit Card 6 ($136) (Hot Topic) timestamp

  • There's a $3 fee on it? "What do you mean fee"

  • $30 minimum monthly payment

• Student Loans timestamp

  • Something about her mother taking out student loans too on her behalf and she's paying for those as well? I didn't really understand this one

    • her mom's loan is on deferment but she's still paying it while on deferment (she really doesn't understand how interest rates work)

    • Later clarified that her mother used her brother's credit to take these loans out? He knew and approved it

  • Some talk about family situation, nothing super interesting she mentions that she likes to give expensive gifts, sees that as a need not a want

  • Didn't catch how much she's paying off for the mother but she herself has $5'162

    • Was paying it off while in school - went to school for theater, got degree

  • Going to go back to school for "advanced manufacturing" - her job is covering it? Community college (ACC)

• Caleb stimming timestamp

• "So what do you do when you are low on money on your checking account but only have your credit card to survive?" timestamp

• Car (Toyota Camry) (31'972 balance) timestamp

  • $650 monthly payment

  • Storytime - weird ex-boyfriend story

  • Purchased March 2023

  • 6 year agreement

  • She thinks a 9% interest

  • Scratched on the side, damage to the windshield

    • Heat damage on the windshield? Apparently you want to roll windows down when it's very hot?

  • valued at maybe 21'000

• Income 3617 timestamp

  • "I've never really checked my finances to be honest with you"

• Checking Account timestamp

  • Highlights a nintendo charge, some eating out, google play, playstation network

  • 5 overdraft charges in a row

  • She Klarna'd some tickets and a $100 Back to The Future Lego set

• Other people borrow money from her??? timestamp

  • Her mother borrows money from her sometimes about $100? Not every month? Just rarely???

  • She overdrafts

  • "That's only once"

    • "No"

• Funny drama confrontation about her future in society timestamp

• Confrontation over phone finances timestamp

Finances Pie Chart timestamp