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
- 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?"
timestampCar (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
Jump in the discussion.
No email address required.
Lmao how
Jump in the discussion.
No email address required.
More options
Context