EFFORTPOST Foid with no income and 1800 of minimum payments

https://youtube.com/watch?v=HidoXF_2V3s

Aubrey, 27, Johnson City TN (currently in Avon, Colorado)

Personal Life/Education:

  • Degree in Business Administration

  • Hates office jobs

  • Was working as a "scheduling coordinator" making $16 an hour

    • Tries to explain how she got fired timestamp

      • "He wanted to talk to my manager and needless to say, I got fired"
  • Relationships timestamp

    • Single but "dating around"

    • Has been engaged but "[she] just wasn't happy so [she] ended it"

      • "he made good money" :marseyxd:
  • "When did this all start" timestamp

    • "[Her] parents told [her] 'No' a lot."

      • Segment where they call the father to ask him, father dunks on her and she copes :marseyxd:
  • boyfriend told her to get a cc for gas/food timestamp

    • Then she got a discover card afterwards with a $1000 limit :marseyxd

    • started spending money to feel better?

  • "If you're expecting some dude to swoop in and bail you out, that's not gonna to happen" timestamp

  • Wants to "travel the world" timestamp

    • Thinking about moving to California this time
  • "Tired of living paycheck to paycheck" timestamp

  • Admits that she has a fake tan

  • mention of she has 1400 insta followers

Career:

  • "Worked my my dad for like the past 5 years" timestamp

    • He has a hardwood flooring business

    • Inventory/jobsite management/whatever he wants her to do

    • $19 an hour

  • Moved to Colorado to work in a Resort Town

    • Was a lift operator, transitioning into golf course when she returns? Seasonal work?

    • Does not know what she's going to do when it's snowing if she's working at golf course?

    • Employee housing, living cheaply?

      • $600 includes internet, electric, etc
    • Attempt to explain what she will do in off-season timestamp

      • Now she's going home "for like a month and then I might come back"

      • Basically a month vacation

  • "Are you lazy?" timestamp

    • She says she's a hard worker (she's not working)
  • 590 credit score

  • Career Goals timestamp

    • Wants to have her own "mobile bar"

    • She has no bartending experience

  • Discussion of her career future timestamp

Financials:

  • Self-rated 4/10

    • She's seen 4 episodes

    • She took that financial score test before coming on and got a 1

  • Credit Card 1 ($2399) timestamp:

    • Minimum payment $200

    • Missed payment

    • $2200 credit limit

    • 30%

      • She's shocked it's a 30% interest card timestamp

      • She never looked at the interest

    • "It'll be there though, it'll be there that's all I'm saying"

      • she tries to explain why she won't be working next month to try paying this off
    • But my fly-points timestamp

  • Credit Card 2 ($3135) (Best Buy) timestamp

    • $199 minimum payment

    • $40 missed payment fee

    • $48 interest accrued

    • Claims she's living paycheck to paycheck (she doesn't make a paycheck)

    • opened this when she was getting a laptop, got a 4k credit line

    • Bought an apple watch, a TV

      • Apple Watch was a christmas gift for her ex-boyfriend?
  • Credit Card 3 ($3970) () timestamp

    • Over the limit on this one too

    • Limit is 3'900

    • $298 minimum payment

    • Late fees

    • $96 interest accrued

  • Credit Card 4 timestamp

    • Card she got for discount tires

    • Hasn't paid on it

    • Might have been sold off to collections

    • "I get calls all the time and I just ignore them" timestamp

  • Credit Card 5 ($8573) (Discover) timestamp

    • "Every month they'll give you like a 5% back on Target or Amazon"

    • $643 minimum payment

    • $130 interest charged

  • Credit Card 6 ($1325) timestamp

    • $21 in late fees

    • Interest free until paid off?

    • $51 minimum payment

  • Credit Card 7 ($348) timestamp

    • $10 minimum payment

    • 350 credit limit

    • "On the app it closed it so I can't even make a payment on there so I have to call them to do that"

  • Car (Eastern Credit Union) ($13350) timestamp

    • 3% interest on this

    • $325 minimum

    • 2018 Mazda CX-5

  • Checking Account timestamp

    • $70 in here,

    • Lots and lots of online shopping, fair bit of eating out too

    • A few trips to liquor stores

    • Has a vaping habit

Spending pie chart timestamp

Hypothetical Budget timestamp

  • $1812 in minimum payments
97
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If you're expecting some dude to swoop in and bail you out, that's not gonna to happen

I will bail her out. 10k, 2 points vig.

https://media.giphy.com/media/H6oMUzuwr2r4m7H6IF/giphy.webp

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