EFFORTPOST Foid with no income and 1800 of minimum payments

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"

• "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

• 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