EFFORTPOST Oklahoman Grocer/Doordasher working 80 hours a week treading water in $113000 of debt

Casey, 27, Beaver OK

Career:

• Works at a grocery store

  • $20.75 an hour. 40-43

  • Around $43000 yearly

• Doordash/Walmart Spark on the side

  • Is setting some money aside

  • around $500 a week

  • 30-40 hours a week

• Dad lives with him, on SSI, the father pays utilities

• Does not speak with dad much, "not a great relationship"

• "I'm content working for the store forever"

Financials:

• Pulled some credit timestamp

  • $2000

  • $400

• "I don't keep track of much other than debt payments"

• "I just keep track of the minimums nothing else"

• Ex-girlfriend stories

  • Section 1 timestamp

    • Threatened self-harm frequently

    • "I kind of played into it for a while maxed out 4 or 5 cards, took out loans to pay them off and then built them back up again"

    • Married 6 months after meeting, separated in April 2022

    • Got everything back in the divorce

    • Has not sold the car he bought her yet

  • Section 2 timestamp

    • No kids - "We have to do things to make kids that never happened"

  • Section 3 timestamp

    • Value of things from wife

      • iPhone, Apple Watch, Car, main things. Charger is the only thing he still has.

• Self-rated 0/10

• Credit Card 1 (Capital One) ($302/$300) timestamp

  • Spent 55 on it

  • Paid 25 minimum onto it

  • $6.86 interest accrued

  • Thought he would pay it off last month but just "didn't get to that" because he didn't have money left over?

  • Transactions include 2 car washes

• Credit Card 2 (Destiny) ($646) timestamp

  • Charges a monthly fee $12.50

  • Did not realize he could close a card with a balance on it

  • $45 minimum payment

  • $19.64 interest accrued

  • 35.9% interest rate

  • Spent a year after the divorce not caring

    • Running cards up

    • Affirming everything

    • Lots of energy drinks at convenience stores

• Credit Card 3 (Milestone) ($646) timestamp

  • 35.9% interest rate

  • 45 minimum payment

  • $22 monthly fee

• OneMaiden Financial ($14107, actually $7000 but includes interest) timestamp

  • Loan to pay off another loan that had a 108% loan and the line of credit he pulled $400?

  • 31.5%

  • "pre-computed loan"

  • Brand new, only made 1 payment

• Upstart timestamp

  • From paying off cards with his ex, 2021

  • 27% interest

  • Didn't catch a balance or payment on this one

• Upstart ($914) timestamp

  • 31.2% interest

  • $46 minimum payment

• Car Loan (Carvana) timestamp

  • 2019 Hyundai Ioniq Hybrid

  • Got it because it was available with no down-payments

  • Got this in January

  • 72 month term

  • 22% interest rate, he's not sure

• Credit Card 4 (First National) (568/600) timestamp

  • $30 minimum payment

  • 30% interest rate

• Credit Card 5 (Credit One) ($814/$800) timestamp

  • $70 minimum payment

  • Missed a payment twice on this one

  • Fell asleep and missed 5pm payment deadline?

  • $16 interest accrued

  • $75 fees

  • Annual fee on this one

• Loan (19'000) (Dodge Charger) timestamp

  • $513 minimum payment

  • His ex cajoled him into getting this one

  • Host rants about Chargers

  • Broken down in his driveway

  • Oil filter assembly on top of the assembly broke

    • he tried fixing it himself and broke more things

• Credit Card 6 ($510) timestamp

  • $46 minimum

  • $12.85 interest

  • 25 fees (missed payment)

  • 30% interest

• Car (2016 Hyundai Sonata) timestamp

  • 5 year loan

  • got in 2018

  • Didn't catch a number on this

  • refinanced from 19% to 9.6%, "that's one of the best [rates] I've got"

  • Broken down, car port got a wall sitting on it? He shows a picture

  • Mystery engine issues

  • Worth maybe 2'000

• Home ($47'000) timestamp

  • Escrow Balance $1'307

  • 4.5% interest rate

  • "Fixer upper but quite a lot of land to it"

  • Thinks it's worth 100'000

• Affirm (450)

• Spending timestamp

  • Tons of fast food and convenience store purchases

• Investing timestamp

  • $4'700 in an IRA

Debts:

• $113'000 total debt

Pie Chart of current spending/debts timestamp