She must be using credit to pay her bills etc and not earning as good wage as she makes out .
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Today’s video says she’s paying £350 interest a month on Amex and PayPal (total = £9,873), which gives them a blended APR of 42.5%?!
Jesus Christ - to think she was telling us this was all on 0% deals!She did mention interest for the Amex , PayPal I think she said it was interest free. Those two are 9k worth of debt that she has just kicked down the line for looks like 28 months . She implies she got it because she has a dormant credit card but it’s open to anyone. She could easily be accused of promoting a financial product.Today’s video says she’s paying £350 interest a month on Amex and PayPal (total = £9,873), which gives them a blended APR of 42.5%?!
How long do we give it until she suddenly has credit built up on the Amex even though she says she will close it.
Her 40 things for 40 , she says she has just over a year left until she is 40 , her birthday is over Christmas so math has failed her again. Let’s see what she has budgeted for these 40 ideas !
she really spends money on things that are not important , the vinyl wrap of her desk for one and even puts down someone who questioned her and her debt journey
She is saying she got a new 0% deal via a money transfer with Virgin using her existing account.Today’s video says she’s paying £350 interest a month on Amex and PayPal (total = £9,873), which gives them a blended APR of 42.5%?!
The debt is no lower but the interest will be zero for 12 months looking at their website. If you believe a word she says .
How much will she have secured for the money transfer facility. It will be more than the amount she owes Amex and PayPal so her overall debt will be higher and there will be nothing stopping her using the Amex and PayPal credit to raise more money for things .
Even if it was just the 9k to pay that off in 12 months to avoid interest is £750 a month which is considerable when she is paying back the other loans at the same time . Obviously she only has to pay the minimum which would be less.
She is addicted to living life on credit and can easily foresee that she will be using credit to fund herself over the summer once more with the banked credit she still has at her disposal. Rather than lowering the debt there will be an announcement later in the year to say she is in way more debt than ever.
I do think the penny is dropping for her a bit, like when she said after this she’s cancelling the Amex as the interest is high AND she’s paying a fee for it which is ridiculous is a rare moment of undelusion for her?
Doubt the penny has dropped .
She admits in the comments to not knowing what the fee was when she signed up .
A few of her replies are giving out financial advice with no disclaimer.
She also mentioned she has never had a phone contract and always buys her phones outright in one reply yet has built up debts of thousands.
She admits in the comments to not knowing what the fee was when she signed up .
A few of her replies are giving out financial advice with no disclaimer.
She also mentioned she has never had a phone contract and always buys her phones outright in one reply yet has built up debts of thousands.
Stunned she didn’t know about the Amex fee, find that very hard to believe unless they don’t charge upfront eg it’s instantly a credit owed by you on the card? Yikes.
I think her biggest problem is delusion/ego. Realistically someone in her position past or present isn’t going to get enough out of Amex’s point system to even net off the annual ~£500 fee. Even worse is the APRs are so obscene that if you make one misstep (a changed bank account meaning you miss a direct debit, a charge, whatever) you’ve “lost” on that deal.
Agree it’s weird to see how she’s still spending money in this situ.
The fee she hadn’t looked at was for the money transfer , she states it’s 3% now that she has looked .
Is she even aware of the term of the deal ?
It’s possible she didn’t know the Amex fee if she only signed up due to travelling so much and the flight miles but it’s not like she was even travelling weekly
Let’s do a fun little debt recap!
£57,000 of debt reported in 2024
£38,632 of debt reported in 2017-2018
In total £95,632 of debt
Accumulated over just 6-7 years (including a period of being debt free between the two).
A big part of that, while she was at her old job, she was earning £3,800 per month (including £500/month from her ex as child payments).
Her fixed expenses were only £2,300 per month.
Then she had a period of earning all that + more through her social media/business and reported making 10k on selected months.
Even with a few months of earning £0 (as she claims), how do you burn through all your savings, and dig a £95k hole in your pocket.
The only reason why her “bills” were too high in the first place in her budgeting sheets is that she constantly has to budget for paying back debts, credit cards and interest on all that.
She could live comfortably with what she earns if she didn’t overspend on things she doesn’t need (like getting her lips done…).
Even now she reports paying herself £3k a month and gets £500/month in childcare from the ex, and complains that she needs to earn more. How about spending less??
£57,000 of debt reported in 2024
£38,632 of debt reported in 2017-2018
In total £95,632 of debt
Accumulated over just 6-7 years (including a period of being debt free between the two).
A big part of that, while she was at her old job, she was earning £3,800 per month (including £500/month from her ex as child payments).
Her fixed expenses were only £2,300 per month.
Then she had a period of earning all that + more through her social media/business and reported making 10k on selected months.
Even with a few months of earning £0 (as she claims), how do you burn through all your savings, and dig a £95k hole in your pocket.
The only reason why her “bills” were too high in the first place in her budgeting sheets is that she constantly has to budget for paying back debts, credit cards and interest on all that.
She could live comfortably with what she earns if she didn’t overspend on things she doesn’t need (like getting her lips done…).
Even now she reports paying herself £3k a month and gets £500/month in childcare from the ex, and complains that she needs to earn more. How about spending less??
Attachments
To add extra to your postings;
Mortgage ~£300k increased when she bought out ex and includes about £10k of outstanding debt
Car Loan perhaps ~£7or8k
Emergency Pot start of last year which she said she used up when she stopped earning maybe £8k
Then there is the company spendings on Soho House membership , may still be on hold
Renting office space she hardly used
Upfront costs of her projects ie budget planners , spreadsheet , mobile phone she didn’t use, podcast still to launch probably other ideas No idea when any of that would be included unless it’s in her personal debt .
She has been lucky as most of it is low or zero interest but will be all time boxed with a mortgage that may double in 2.5 years
Rather than becoming a millionaire by 40 she could have accumulated debts without anything being paid off of £500k since her debt journeys began .
Mortgage ~£300k increased when she bought out ex and includes about £10k of outstanding debt
Car Loan perhaps ~£7or8k
Emergency Pot start of last year which she said she used up when she stopped earning maybe £8k
Then there is the company spendings on Soho House membership , may still be on hold
Renting office space she hardly used
Upfront costs of her projects ie budget planners , spreadsheet , mobile phone she didn’t use, podcast still to launch probably other ideas No idea when any of that would be included unless it’s in her personal debt .
She has been lucky as most of it is low or zero interest but will be all time boxed with a mortgage that may double in 2.5 years
Rather than becoming a millionaire by 40 she could have accumulated debts without anything being paid off of £500k since her debt journeys began .
Her budgeting spreadsheets were never accurate and she often confused herself .
There is absolutely nothing wrong with budgeting , tracking spending etc but you have to be consistent and accurate. For her to say she has no idea what her debts are just proves she didn’t believe in her own process and product she was marketing to her follows that she believed would make her a fortune .
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She portrays her debt as a badge of honour .
She has no interest in helping her followers get through their own debt worries unless she is earning money for helping them .
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Depending on her equity and earning "surety" she'd be better off remortgaging and combining her debts and then starting fresh.
She'll end up with a bigger mortgage but the interest rates on her loans and CCs means she has to be better off even with a "worse" mortgage deal.
She'll end up with a bigger mortgage but the interest rates on her loans and CCs means she has to be better off even with a "worse" mortgage deal.
For a while she has questioned whether she could afford her existing mortgage when her fixed rate runs out .
I’m not a mortgage expert but would imagine it’s highly unlikely you can just add the extra debt on to the existing mortgage. If she looked to remortgage I’m assuming if she was accepted then she would have to pay the new interest rate, there would probably be an early repayment charge plus all the other charges when remortgaging esp if it’s with a new provider. Would she even get acceptance for a new deal given she was employed when she took out the last deal and had a max amount deal and now she is self employed and possibly has limited accounts and a year of no earnings.
She says she has a good credit history but has taken out other loans in the last year which would go against her.
If remortgaging was an option she would have gone down that route by now .
Also she added existing debt to her mortgage last time (that’s how she became “debt free) and in the 20 or so months since has racked up £40k+ debt. I don’t think adding this to her mortgage, even if she could get it at her current rate, is a good idea for her.
She’s already said she’s maxed out her mortgage cuz she’s already paid off debt by adding to the mortgage
Ah I hadn't realised that. Well then - to state the obvious and sum up this thread - she's fucked.
One of many observations and questions marks is why would she get an amex that has a fee when you can get ones with no fee 
I have one that gets points and I don't pay a fee at all. Moron.
I have one that gets points and I don't pay a fee at all. Moron.She won’t have seen the terms will blame it on dyslexia rather than admitting she doesn’t read the t&cs
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Being able to take a year off work and pay for it by obtaining credit/loans is first world issues.
When she researched IVAs it probably frightened her that her equity and home ownership would be an issue and would need to be leveraged . Same goes for her view the government should have paid her mortgage last year when claiming universal credit as they pay the mortgage of private landlords who let out to people on benefits.
If she has serious concerns and won’t move to a cheaper area if she is able to port her mortgage she should sell take the hit and rent for a couple of years and sort out her finances and life.
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She’s a long way from bankruptcy, homeowner with equity. Her debt woes are so out of step with others who have genuine debt issues .
Being able to take a year off work and pay for it by obtaining credit/loans is first world issues.
When she researched IVAs it probably frightened her that her equity and home ownership would be an issue and would need to be leveraged . Same goes for her view the government should have paid her mortgage last year when claiming universal credit as they pay the mortgage of private landlords who let out to people on benefits.
If she has serious concerns and won’t move to a cheaper area if she is able to port her mortgage she should sell take the hit and rent for a couple of years and sort out her finances and life.
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