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Discuss

Enterprising chap

Scott here to drop some truth bombs

The haters are out in force

He really does seem either r-slurred or thrown into this with zero training lmao

A rival GM bitter over being fired chimes I.

But seriously how the frick can this be this hard. This is a small shitry town.

Why the fuxk would you work at the worlds worst fast food restaurant without getting paid lmao

A few more bad reviews and a thanks for the feedback nestled

A man of integrity

Ok but really the only reason I posted this is cause our boi didn’t make it

I have no idea what I’m doing and immediately after buying it I lost $15. I am worried I’m gonna lose my $145 investment. I only bought because their earnings come out Friday. Am I gonna lose all my money?

https://old.reddit.com/r/trashy/comments/134ooga/classyyyyy/

Daisy 28, Houston, TX

!straggots can you fix her?

Self-described 0.5/10 financials

Had zero financial literacy until started watching tiktok videos this January about how to budget

"I didn't even know what a Roth IRA was up until like January"

650 credit score

Relationship status

• single mom

• 2 kids, oldest is 12, youngest 9 (different fathers)

• no child support

  • Father of the 9 year old is supposed to pay but doesn't

Career

• Store Manager at a construction company (7 years)

  • 52 hours a week

  • Mostly deal with contractors/dealers but also open to public

  • No direct reports, it's a two person operation

  • Hourly $16.50 (around $42k?)

    • "I do a lot of OT" (Time and a half)

  • $3120 after taxes

  • Current job is very stable and comfy, she's extremely anxious about switching careers and potential instability

Savings/Expenses

• Started month $2130

• Ended month $6.67

• $200 in a different savings (recently opened)

• Lots of $26 donut purchases at "Prime Donuts"

• Lots of eating out

• "I never saw the importance of having money in my checking account"

• "90% of my purchases are on crap"

  • Claims changed recently (a week so far)

Debt

• Credit cards

  • Didn't catch the % interest rates on these, some of the balances might be off because the sheets are from before she balance transfered them if I understood things right

  • "Pet credit card"

    • $620 out of $800

    • Was 238 (she paid 88 on this), then she made $400 more purcahses with it

    • Did a balance transfer from this

  • Capitol One Platinum

    • Previous Blance 5'070, current 4'920

    • $121 in interest

    • Her mother has access to this card (made her an authorized user)

  • Credit One Grey (1/3)

    • $1266.67

    • $65 minimum

  • Credit One Blue (2/3)

    • Called to close because they were charging her annual fee

    • She wasn't making purchases on it

    • They offered to refund her service fees charged on her other cards so she hasn't closed them yet

  • Credit One (3/3)

    • $372, $30 minimum

  • Home Depot

    • $69.96, $29 minimum

    • Building an enclosure for her lizard

  • Chase Freedom

    • $385, payment in 40s

  • Chase Saphire

    • 4976 Starting balance

    • Paid $790, made $672 more purchases

    • 4'966 ending balance, 5'000 limit

    • $353 minimum payment

  • Citi Transfer Card

    • $1400, 1500 limit

    • 4 months without interest

    • $87.50 minimum payments?

• Car

  • 2018 Ford Escape, bought in 2017

  • 9783 left

  • $451 payment

  • 6.7% interest rate

• Personal Loan (this is the refinanced one)

  • $8100 principal

  • "97 weekly payments of $133 and 1 payment of $9.53"

  • 26.96% yearly interest

    • "I thought that was a pretty standard apr until I started watching your videos and then I was like oh, shit"

• Student Loans

  • $700 remaining

This new purchase scheme seeks to support our beloved LATAM community and facilitate their payments, allowing them to use a credit card to pay in 3, 6, 9 or 12 months with interest, but in fixed payments. It's a convenient and beneficial mod that we're excited to bring to the League of Legends Store.

We did it, Texas. No more breed restrictions in Texas public housing!

HB1159/SB349 passed the House with an overwhelmingly positive vote of 142-4 and now awaits @GovAbbott's signature to sign it into law. pic.twitter.com/Emh2QFNWLY

— Julie Castle, CEO of Best Friends (@BFAS_Julie) April 26, 2023

I was doing some other stuff while listening so even odds I've gotten stuff wrong.

Christian Harrison 24 years old Denver, Colorado

Career:

• Runs a "door to door sales team for residential solar systems"

• 179'000 last year, "a down year"

• Best year 208'000, moved to a new city from Atalanta, business slower than he expected so far

  • Was doing security systems, moved to Solar? Same company, different department

  • Solar is 2-3 month sales cycle (time from sale to payment), while security was a couple weeks

  • 60-70k sales currently in pipeline, about to start busy season (summer is best for solar apparently?)

• "Are you in a pyramid scheme that's actually generating you money?"

• Owns a rental property

  • $2500 mortgage

  • $700 rent

  • Had bought to live in initially

• Paying his rent with his business account

• Works 50-60 hours a week

Debt -

• Personal Loan to do a "private equity investment" early last year

  • 19'200 remaining of $25000

  • $756 minimum monthly payment

  • "Medical device company" (Valuation has doubled since investment)

  • 7% interest

  • Planned to pay it off before the end of last year, hasn't yet

• Bought a car after moving

  • another guy with a dumb 4Runner purchase

  • $657 monthly payment

  • 31'500 remaining

  • 7% interest rate

• Credit Cards

  • Last month was first time ever he hadn't fully paid off his cards, rationalizes eating interest as worth maintaining his current lifestyle

  • Capitol One

    • Paid $7'733 (fully paid off?)

  • Spark Business Cash

    • Business Credit Card

    • 8'000, not paid off?

Expenses -

• He ballparks his spending $8'800

• Lots of eating out, sometimes 4 times per day

  • Chipotle, IHOP, Wendy's, Starbucks, gas, gas station snack (every day )

• 5k airbnb one time (not a common one allegedly)

• "I know I shouldn't pay interest, but I don't want to decrease my lifestyle"

• lot of uber eats and recurring payments

• Two bedroom 1900 sqft penthouse in Denver, video included, looks very nice Timestamp

  • $3900 rent, $200 utilities

• Budget Timestamp

• 19'400 incoming tax liability he didn't set liability aside for

• $11'000 in student loans, currently interest free but starting soon

  • around $150 monthly payment

Savings -

• Account was 40k in October, now 6k

• Allied High Yield

  • $2'000

  • Was 18'000 a couple years ago

  • Was his emergency fund

• Investments

  • Fidelity Roth IRA

    • $47'000

    • Index fund and S&P

  • $17'000 in crypto

    • Ate $195 fees while selling his crypto during the talk from based Coinbase

Probably one of the more unique Caleb Hammer videos. If you ever wondered what life would be like if you just didn't care about bank balances and credit limits, here's the result.

Quick breakdown:

• $120,000 year income

• negative starting balance on checking account, negative ending balance ($760 in overdraft fees YTD)

• 8 credit cards, all with a credit limit of less than $600 and 2-3 with a limit of $300. All over the credit limit, and paying along the lines of $200 fees (not interest) a month for going over the balance

• $4,500 in savings

2 Uruguay walk into a bar. They order nothing and are turned wayside after 5 min. (Uruguay joke)

20 dollars for a burger with no sides

Jacob Stone 34 years old Austin, TX

$4044 a month in needs minimum (74% of income)

I might have gotten some of the deets wrong

Career - Instructional Designer

• Was in the National Guard at some point

• Makes e-learning/training videos

• Income - $100'000, yearly bonus around $2k

• Sidegig - Filmmaker, youtuber doing filmmaker tutorials

  • Allegedly this pays well but not at the level he's at

  • A little less than a thousand monthly

Debt -

• Kept getting credit cards in teens/twenties, not tracking spending, taking loans

• "Even my parents are still in debt and they're in their sixties"

• Put debt into debt relief program, closed most credit cards, hasn't used in a few years

• $801 minimum monthly car payment

  • 2020 used 2020 Toyota 4runner

  • $43'000k remaining on it

  • 11.7% interest rate

  • 56'000 miles on it

  • Got it last October

• Debt Relief Program (interesting hustle Timestamp)

  • $400 a month minimum, includes fee ($75 flat per month, something else for settlement baked in as well)

  • Owed 27000, has about 11'000 paid off or settled already

  • Apparently a 23% interest? (Caleb says it's closer to 30 )

  • Started in 2018 or 2019

• $16'000 owed to the IRS

  • Got hired as a contractor contact to hire thing, forgot to put money aside for taxes

  • Was on a payment plan, $198 and around 11% interest rate

• Student loans

  • Didn't catch the amount

  • Highest 6% and lowest is 4%

  • around $400 monthy payment when it resumes

$108'856 TOTAL DEBT

• 33% of income going to minimum payments

Expenses -

• Lot of Amazon

• Lot of eating out

• $400 a month for debt relief program

• $1100 rent, splits with a roommate (4 bedroom house somehow, sounds extremely comfy)

• Financed a pair of shoes through Amazon, $25 payments

• Financed a domain name $15 payments

• $45 biweekly for someone to mow their lawn

• Montly payment to fitness coach, missed the tag on this (he's planning on quitting that)

• $286 Krav Maga classes monthly

• 10.83 OnlyFans

• 11.93 OnlyFans

• Utilities $175-$195

• Car Insurance $340 a month

• $100 a month on Gas

• $104 a month Phone bill

Savings -

• Account 1: 261 starting month, 240 ending month

• Account 2: $343 starting month, $0.00 ending month

• No overdrafts this year but has "quite a bit" in the past

• 3% contribution to 401k, 1.5% is matched

• Retirement "A few thousand in his current 401k and 1600 in an IRA"

As any true user of this site if i see "drama" i must investigate. This time didn't disappoint. Open the comments on that post!

Drag queens and crack?

This absolutely herpes ridden man vagueposts in the comments

Lets see what he or she has to say for itself

but first the insta

We are off to a good start! An apology 2 hours ago

but as we go on theres a pattern here

looks like our groomer here has a habit of this

some allegations:

plz upmarsey

I just had a horrible interaction with Synchrony Bank. If you have done one of those 0% APY deferred interest plans from any major retailer, you probably have a plan with Synchrony.

For those considering it - do not do a deferred interest plan with Synchrony, and if you do - be very, very careful - they are extremely manipulative in how they set up autopay for you - and will do it wrong on purpose so they can charge you massive fees!

Just today I got slammed with $3000 interest out of absolutely nowhere on a $3000 mattress - which was on a 0% APY deferred interest payment plan that they put on auto pay for me.

I figured autopay would pay what I needed to pay, and didn’t think much of the payment plan after setting it up.

I bought the mattress two years ago, and did a plan with Synchrony Bank. Deferred interest plans basically let you pay 0 interest as long as you make all your payments and pay off your balance in time.

It turns out, that if you naively set up autopay with them like I did, they will set you up with a minimum payment that actually will not cover the balance of the mattress in time - and won’t tell you of this.

The autopay they set up would cover it in 36 months, but the balance needed to be covered in 24 months. Thus, I get slammed with the entire $3000 interest that was supposed to be waived.

Why would they intentionally set me up with an autopay plan that would miss their own payment deadline??

If I’m using autopay, shouldn’t the assumption be that it will automatically pay everything I’m supposed to?

It really feels like I got scammed, and I don’t think I have much choice but to pay it.

But I figured I would let everyone else know in case they are considering one of these plans: be sure you know exactly the amount being set up for you when you are put on autopay for a deferred interest plan.

You will need to explicitly tell them to use a higher payment than what they set up by default, or you will end up in the same mess I found myself in.

If you have a deferred interest plan with Synchrony, please go back and double check that your autopay is set up properly - as they will intentionally do it wrong!

OP issues a PSA to shine light on the clever trick of minimum payments. This genius couldn't figure out that his $83 monthly payment x 24 didn't equal $3,000 and gets charged with two years of accrued interest. OP is of course not to blame since he didn't look at his bank statements closely for two years?

I guess my mattress seller wasn’t transparent. At no point did anybody mention to me that autopay would not meet the 0% APY.

Ok but he’s not a financial advisor, he sells mattresses. It’s your responsibility to calculate the payments, you never thought, hey how are these $83 payments going to cover my 24 month’s no interest on a $3000 mattress?

I wasn’t looking closely at the transactions in my bank statement. This was all done over phone so it was all in real time - less time to think and ask and dig about that. I agree I should have paid better attention.

Even better is he setup everything on the phone and didn't even ask what the amount was going to be (this is from another thread).

Thank you, this is helpful.

The part that bothers me is that autopay isn’t really laid out in any document I signed - so even though I tried to do my due diligence, setting up autopay is something that was done outside the contract itself.

When something is done by phone call, and it isn’t being communicated clearly to me what is being done, and I thought I was clear in what I was asking for, I don’t have any documentation I can point to that informs me that the autopay amount that is set by default and the minimum amount needed to apply for the promotion are different. Due diligence is tougher when it’s happening in real time over phone call - and there is much more room for miscommunication or manipulation.

A few days later, another thread is posted by someone else.

I made the mistake of making a purchase with a 0% interest account and letting the 0% interest period elapse. This January was the last month of zero interest. And the account now reports that I basically owe the original loan amount again. As of Dec 2022 I owed $2165. Now it says I owe $3007!! I have the cash to pay it off now. But I’m not sure if there’s anything I can do to not pay the $3007. Any help would be greatly appreciated.

Waiter unable to understand basic math

Waiters become self aware that they don’t deserve tips, but double down

Waiter genuinely thinks his “skills” should earn 30 an hour and would quit. Another explains there are plenty of low skill workers who would take the job :marseyxd:

All this and much much more seethe

This really is crazy tho wtf

Any and all of this might be wrong, I'm listening to this while doing other stuff

Paul, 31, Dallas TX

IT for Hedge Funds

Calls his finances a 2/10

• young 20s, 'a lot of mistakes made'

Tried going into business for himself 'VR Stuff'

• Didn't make up the difference in income but kept same spending

• Was doing 3D level design and IT work (sounds neat)

Was in the army for a while

• Lacks self-discipline when his routine is broken

Income -

• Base Salary - 69'386 (4600 a month)

  • Thinks he has upwards trajectory with his current career if he does certs

• 10k per year doing 'commission work'

• Bonus - 1700

• 401k Match 4% match?

• Company does a doordash order every day for him comped lmao

Foid -

• 23 years old

• New girlfriend moved in with him 6 months ago

  • Had a job before she moved in

  • Not working yet

• Does 3d Modeling stuff

  • 'Really good at blender'

  • 'Trying to make assets she can sell'

• Can't drive, doesn't have a car

• Trying to find a job for the last 6 months

  • Couldn't even get a job at the local coffee shop

  • Has never seen her resume

  • Has worked at Walmart, CVS, and maybe a couple others

  • Previous job was at a pharmacy

  • (He breaks down in tears while discussing this) Timestamp

    • 'Every time I spend money it hurts'

• Credit card payment of $69 a month, he covers this (he covers all living expenses)

  • 'Why are you paying for that?!'

  • Has no idea what the balance on the card is

    • "She won't tell me... I think she's protecting me from the stress of knowing"

Expenses -

• Utilities

  • Rent $1086 (Expects this to go up because he's in an apartment that's way better than the cost)

    • 6-7 months before lease is up

  • Electric $188

  • Sewer $37

  • Water $24

  • Gas $20

  • Trash $15

  • 'Storm Water' $182

  • internet $100ß

  • Phone $140, $90 comped

• Thought that by his thirties he would be millionaire or more

• 'Every time I try to budget something in my life changes'

• 'Because my month to month changes so much'

• Funny payments for 11labAI, Groomercord, fast food, Steam Games, Unity Apple Payments that sound like large microtransactions and Hooters

  • Says apple payments are because he bought a new iphone

  • 

Debt -

• Total $25'672

• Car taken in 2019 (was 14'000 initially?)

  • 72 month 15.57%

  • $157 minimum payment

  • Credit was terrible so not able to refinance in 2020/2021

  • Late fee assessments, a lot of them holy shit

• Two things in collection

  • Collections:

    • It was worse, there was actually another 10 grand I paid off

    • #1 - $1691

    • #2 - $2679

    • #3 - $13'993

      • 'Midland Credit Management'

      • 'While I was in the army I got some credit'

    • Didn't know about one until he got a letter in the mail

      • Brought an envelope in to ask for advice

      • 88 bucks on rent that he never bothered paying off lmao

    • 549 credit score

Saving -

• Started month with $17 in the checking

• Around $3k in Peercoin

  • Has it staking, returns 5% annually?

• 2k in 401k?

Dreams -

• Wants to open an internet cafe with microtransactions for better internet

Rurl whites reminisce on the good ole days

Harold , 22 , Houston, Texas

"I didn't know how interest worked until maybe four days ago"

Guy does not comprehend how fricked he is if he doesn't get a new job immediately

Nearly 90% of his income is going towards needs

Income -

• Physical and Occupation Therapist Assistant

  • Straight out of High School

  • week $17.50

  • weekend $18

  • 30 hours a week

  • 1600 a month before taxes

• Wants to become an accountant

Living Situation -

• Lives with Grandparents, has been for 20 years

• Parents 'not in the picture'

• Plans on moving out

Debt/Expenses -

• Lots of eating out, Door Dashing and Dollar Tree visits

• Usual "I've changed since the statement" spiel (it's a week and a half)

• Late fees

• Financed a washing machine for his grandparents

  • $135 minimum monthly payment (has already missed payments?)

• Car Debt

  • 2018 Mazda 3 sport 93200 miles on it

  • 16'870.63

  • $286 payment

  • 3.99%

• School Debt

  • Went to Boston University for 2 years, dropped out 'because [he] didn't know what [he] wanted to do'

    • Degree in International Relations

  • Interest Rates 3-6 percent

  • ~170 minimum payment?

• Total Minimums:

  • $700, more than half his income

• Grandparents are in 20k debt, late sixties early seventies in age

• On his grandparents insurance

• Pays multiple people's car insurance

  • His is $168

  • $309 monthly in payments on other people's insurances?

• Credit Cards:

  • Discover Card - $1700, 25% interest, $40 fees

    • He keeps doordashing Mcdonalds even with the late fees

  • Attempting a Balance transfer

• Spent $59.20 on gas last month

• $71 internet bill

Career -

• Wants to get into accounting

• Plan is to become a firefighter for a couple years?

Savings -

• 4% matched contribution to 401k, 2500 in there

• Has a balance around $1200

  • last month had more hours worked than last time

A true wealthchad would bag it up for sale