Yasmine Camilla #2

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Looks like the comments re affording to travel whilst in debt have annoyed her. If she can find the time to reply to the comments then she can find the time to explain how she has managed to save hundreds on her travel . This debt journey is getting a bit Deja vue , she has now replied to one comment that all the loans are interest free. Guessing these loans are via purchase cards and she will end up with high interest costs if she hasn’t paid it off within the timeframe of the loan or can’t afford the monthly repayments.
 
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I’ve never had a loan before but do they not check affordability these days? Anyone with half a brain cell can see she has been borrowing beyond her means so how has she managed it?
 
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I’ve never had a loan before but do they not check affordability these days? Anyone with half a brain cell can see she has been borrowing beyond her means so how has she managed it?
As the above poster has said - sounds like it’s via 0% credit card offers, it’s not uncommon for even low/mid earners to have >100% of their gross annual income available via CCs, especially if they have a few different cards with different lenders. It’s really bad and needs regulating imo.
 
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The math isn’t mathing.

She says she got into £30k+ worth of debt, not by overspending but because her earnings had gone down and due to unpaid invoices. Plausible when you’re self employed.

However…
She admitted in the comments section of her TikToks that her unpaid invoices don’t cover her debt, or anywhere close.

Her basic outgoings video shows her so called “essential” bills are only £2.5k (let’s say £2.7k with the cleaner she forgot to include).
The rest she included are actually just £240 in “savings” she wants to put aside and £820 in debt she has to pay now. These wouldn’t be expenses that contribute to the debt forming.

So over the last 10 months, that’s just £27k in basic expenses.
The father of the kids pays her out £500 a month which would be £5k over the last 10 months, bringing her expenses down to £22k

She claimed to be having £10,000k months, and I find it hard that she went from that to earning absolutely nothing. (Even if she did, it would only account for £22k worth of debt not £30k and that’s assuming she had absolutely no savings after her £100k year).

Even if she only earned £1,000 per month (which I’m sure it’s doable from freelancing, refferals, sponsorships, Etsy sales and so on) and got into debt solely to cover her bills, that would only justify her being in £12k worth of debt.

What did she spend the other £18k on?
However you spin this, her debt is not an “income” issue. It’s an overspending and poor budgeting issue.

She continued to live as she was earning £10k a month for nearly a year when before dealing with the reality of being self-employed and having a fluctuating income.

All while teaching people about budgeting, cash stuffing and how to get a £800 toothbrush for only £300 - what a bargin!
My bad - £35,000 of debt according to her latest Instagram reel.

Accumulated in roughly 10 months.
£27,000 in “essential” spendings minus £5,000 in child support leaving her with £22,000

Only £12,000 over budget if she only happened to earn £1k a month and had absolutely no savings

It still leaves her with £23,000 unjustified spendings in the last 10 months

I wonder if she’ll disclose what she spend £23k on with no regrets…
 
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£35k is today's figure....Will most likely change again next week 🙄🙋‍♀️🤷‍♀️
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£35k is today's figure....Will most likely change again next week 🙄🙋‍♀️🤷‍♀️
Whoops not sure why those women emojis are there! I have a new phone...let's blame technology lol
 
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She was working from home with her fulltime role so saying she gave the job up to spend more time with her kids is a bit exaggerated considering she still uses Child care and basically did as she pleased with her hours. Think losing an income and ending back into debt is dumb
 
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Just pisses it away.

The word 'budget' means nothing to her.

Hi Yas, come back in and let us know!
 
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£35k is today's figure....Will most likely change again next week 🙄🙋‍♀️🤷‍♀️
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Whoops not sure why those women emojis are there! I have a new phone...let's blame technology lol
It has to change as its not like she has worked in January, maybe she did pay for the holiday months ago but she still has all the bills and no doubt the cleaner sorted the house before her friends arrived and when they leave and unless she limited the use of utilities that could have gone up, not really sure how a family of 6 fitted into her 2 bed house
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Just pisses it away.

The word 'budget' means nothing to her.

Hi Yas, come back in and let us know!
would be like the old days if she did
 
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How is she just so unbothered about being in so much debt. I would be stressed. And to have cleared it once and be in the exact same position again a year later is crazy. I was in 5k debt last year, and it honestly caused me sleepless nights 🤣 i would cry at spending almost a grand a month on repayments alone.
 
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How is she just so unbothered about being in so much debt. I would be stressed. And to have cleared it once and be in the exact same position again a year later is crazy. I was in 5k debt last year, and it honestly caused me sleepless nights 🤣 i would cry at spending almost a grand a month on repayments alone.
Probably because she paid it off so easily last time she’s thinking it’s no big deal. Except this time won’t be as easy, because she isn’t working, is mortgaged up to the eyeballs and companies won’t just write it off this time
 
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Saying she loves being on holiday as everything is so cheap and she can get taxis etc totally deluded with her spending .
 
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As someone pointed out she never showed proof of her debt before and won’t this time. She had said she had plans for her businesses in the new year . She said that last year on her plan and look where that has supposedly got her.
I would expect more repeat stories of being an abused single mother , cost of living in London , promoting her budget planner and spreadsheet and most probably paying off a fictional huge sum in the first month, health issues
She misjudged the support another successful influencer who specialises in home schooling has and posted 2 videos on TikTok earlier. Looks like to protect her channel she has decided to delete the videos. Sounded like she had called this person out a couple of years back and was promptly blocked but had decided to use her channel now to bad mouth the influencer and was quickly called out herself.
 
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Yes I think your right, we will hear the same old stories. She isn't the only one who is in debt or had an abusive relationship. Drives me mad. I to manage to escape an abusive marriage with a child and I'm slowly rebuilding my life. I'm trying to pay as much as I can off the debt as it mortifies me. It will take time but the main thing is, I am living within my means and reducing the debt each month. Single mum with rent to pay, no help from my ex and he has cut contact with his son (no words). No family local to help with childcare so rely alot on goodwill from my employer and before/after school club. All I can say is thank goodness for technology and that I can work from home!

When is she back from holiday?
 
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As someone pointed out she never showed proof of her debt before and won’t this time. She had said she had plans for her businesses in the new year . She said that last year on her plan and look where that has supposedly got her.
I would expect more repeat stories of being an abused single mother , cost of living in London , promoting her budget planner and spreadsheet and most probably paying off a fictional huge sum in the first month, health issues
She misjudged the support another successful influencer who specialises in home schooling has and posted 2 videos on TikTok earlier. Looks like to protect her channel she has decided to delete the videos. Sounded like she had called this person out a couple of years back and was promptly blocked but had decided to use her channel now to bad mouth the influencer and was quickly called out herself.
I must have missed them, who was it about?
 
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I must have missed them, who was it about?
Hannah home educates. She actually does what Yasmin wishes she could - Hannah makes a decent living from her content creation (both TikTok and literal home Ed content) and crams it in around being a single mum who’s working all day home educating. Hannah did some really interesting content on the £100 Christmas budget per child this month & there was lots of healthy #discourse around it. Hannah is actually living what YC claims - building a business, living frugally (Hannah isn’t ever wearing lazy oaf with an insta trending interior in the background), and building wealth for her and the kids. And is doing better despite not having the alleged £60k job YC claims she has (almost as if this… doesn’t exist? It’s at the higher end of project management salaries and she’s never seemingly employed…).

Also as much as YC can claim Hannah isn’t a single mum - she’s going on holiday in Jan with her kids and partner and the partner is staying in another hotel/she sounds really boundaried with it. It’s not as if the partner will home ed or take her kids so Hannah can go to work or make more money so it’s not even a point YC can make. She must be seething with jealousy lol 🤭
 
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I must have missed them, who was it about?
Hannah Home educates , there is reference to the post in the comments on Hannah’s Tik Tok , maybe coincidence that she was trolled by an anonymous person in a Facebook group
 
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Hannah Home educates , there is reference to the post in the comments on Hannah’s Tik Tok , maybe coincidence that she was trolled by an anonymous person in a Facebook group
Yasmine is not concerned about her identity and will just publicly call the person out. Shame I missed the postings. This year she has posted about an influencer ex friend Jade and her political views, didn't name them but spoke about outing some married/attached guy she slept with and now this girl.
Why she has to ask the internet about home schooling when her friends she has house swapped on this video with appear to have school aged kids she could ask makes you wonder if she had some great plan to monetize how to home school herself.
The year in review shows she lives in a dream world
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Yes I think your right, we will hear the same old stories. She isn't the only one who is in debt or had an abusive relationship. Drives me mad. I to manage to escape an abusive marriage with a child and I'm slowly rebuilding my life. I'm trying to pay as much as I can off the debt as it mortifies me. It will take time but the main thing is, I am living within my means and reducing the debt each month. Single mum with rent to pay, no help from my ex and he has cut contact with his son (no words). No family local to help with childcare so rely alot on goodwill from my employer and before/after school club. All I can say is thank goodness for technology and that I can work from home!

When is she back from holiday?
The schools in her area are back on Wednesday , as this was meant to be a cheap holiday due to when she was flying guess that would mean flying New Years eve night?
Hope 2024 for you is a good one
 
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Yasmine is not concerned about her identity and will just publicly call the person out. Shame I missed the postings. This year she has posted about an influencer ex friend Jade and her political views, didn't name them but spoke about outing some married/attached guy she slept with and now this girl.
Why she has to ask the internet about home schooling when her friends she has house swapped on this video with appear to have school aged kids she could ask makes you wonder if she had some great plan to monetize how to home school herself.
The year in review shows she lives in a dream world
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The schools in her area are back on Wednesday , as this was meant to be a cheap holiday due to when she was flying guess that would mean flying New Years eve night?
Hope 2024 for you is a good one
Obviously not back over New Year based on her posts.
Who ever hoothootlou is made a very valid comment re her spending too much time on socials , looks like it was deleted or blocked
 
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She talked so much shite she can’t keep up with her own lies. Her main reason for paying for private healthcare was because of A’s condition, yet she’s posted a video saying the nhs are letting her down, but you privately Yasmine?
 
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