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%?!Putting this print screen here for posterity, the total is £44k, she’s said down from £57k total. She’s mentioned 30% interest on the £16k MBNA and that Amex wouldn’t reduce her interest rate when she called, can’t imagine she’s got an interest free loan, PayPal might be the only interest free part? I’m shocked they lend up to £4k tbh I always thought they were a BNPL sort of thing where it’s just divided into 3?
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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%?!Jesus Christ - to think she was telling us this was all on 0% deals!
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%?!Jesus Christ - to think she was telling us this was all on 0% deals!
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.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.
The fee she hadn’t looked at was for the money transfer , she states it’s 3% now that she has looked .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.
Her budgeting spreadsheets were never accurate and she often confused herself .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??
For a while she has questioned whether she could afford her existing mortgage when her fixed rate runs out .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’s already said she’s maxed out her mortgage cuz she’s already paid off debt by adding to the mortgageDepending 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.
Ah I hadn't realised that. Well then - to state the obvious and sum up this thread - she's fucked.She’s already said she’s maxed out her mortgage cuz she’s already paid off debt by adding to the mortgage
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 .She’s either lying about the debt for followers or she’ll need to declare herself bankrupt by 40. I feel sorry for her really she’s clearly quite mentally till and unable to cope with ‘adult’ life
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