ilmscore | Spoiled. Toxic. B*tch. | Financial Audit

Spoiled. Toxic. B*tch. | Financial Audit

Predictions from this Video

Total: 7
Correct: 0
Incorrect: 0
Pending: 7
Unrated: 0
Prediction
Topic
Status
The speaker admits to getting more cash advances, initiating a cycle where she is the cause and her fiance tries to resolve it.
"Basically, why you just hit okay? I have uh a tendency to manipulate my fiance into doing whatever I want. The fiance like what? We bicker back and forth a lot, but I know I'm always going to end up getting my way. I have them wrapped around my finger. What does that mean? What are different ways that you get batting my eyelashes doing the I'm not asking what it takes to get it. Okay. I'm talking what you win. Um, usually getting more cash advances. I'm the one that's putting us in the cycle and he's the one that's trying to get us out."
Cash Advance Cycle
Pending
The speaker has taken out payday loans with interest rates as high as 792%, and struggles to recall the purpose of one of them.
"This is at a 792% interest rate. What the possible are you doing? What the possible are you doing? That one I I really don't remember what that one was for, but that one we borrowed."
Payday Loans
Pending
The speaker refinanced a payday loan, increasing the initial $500 borrowed to a situation where the lender profited $3,500.
"Earlier this year, a few months ago, I remember taking it out. I just don't remember what it was for. They started garnishing your wages from this loan. Yes. You gave them access to your account. Yeah. This is a You gave them access to your account. This isn't a government. They can't just garnish unless you give access. But I'm just saying a part of me wishes I was morally bankrupt. Look at this. I make good money doing this, don't get me wrong. But look how much more money can be made out there if you just have no morals. They gave you $500 and they make $3,500 of profit. Oh my goodness. What the are we doing?"
Payday Loan Refinancing
Pending
The speaker refinanced a payday loan at a 591% interest rate, borrowing $1,000 and owing $4,413 back, initially for groceries due to being in the negative.
"And this is at a 591.87% interest rate. You borrow $1,000 for this one. Just goes up every time. You pay back a total of $4,413. For what? That one was also I mean we were in the negative. We needed money for groceries. So, we took out uh at first it took out 600 and then at another point they let me refinance it for the full thousand. So, I refinanced and took out the other 300. This is the refinance. Yeah, she refinanced to 597% interest. 91 refinanced to 591% interest."
High Interest Payday Loan
Pending
The speaker's boyfriend has a Campus FCU truck loan with a balance of $17,491. The speaker claims he got it at a good deal while working for $13,000, but owes $17,500.
"Oh, goody. Oh, good. We have student loans. Oh, campus FCU 17,491. What's that? That's his car. The truck. Yeah, truck. a truck for his What's his job? He's a uh fire alarm technician. Does he need a truck for that? He needs a truck to get to and from work. I mean that we need a vehicle to like get to and from places. So don't get a expensive truck. He didn't. No, he he got that he got that truck on a good deal. He was working at $13,000. He owes 17,500 off. You don't know what you're talking about. Another continuation in the long history of you don't know what the you're talking about"
Student Loans
Pending
The speaker lists numerous expenses including subscriptions and frequent purchases of Red Bull, Taco Bell, and Door Dash, despite a lack of funds, highlighting a disconnect between spending and financial reality.
"Amazon, Red Bull, PlayStation, Float Me Funds, Float Me, Door Dash, Taco Bell, Door Dash Pass. We're paying foring Discord. We're paying for Discord. That's so good. Oh, Red Bull. Red Bull, Red Bull, Red Bull, Red Bull, Apple Bell, Red Bull, Red Bull, Red Bull, Hulu. I'm almost through with my obligation and then I'ming done. Taco Bell, Karaoke, Beer, Vending Machine, Door Dash, Raising Kings, 32 with Denny's, Borg. Gosh. Okay. Sorry. Vending machine. Vending machine. I think uh Red Bull. Red Bull, you're spending so much money. You have no money. Makes no sense. It makes noing sense."
Spending Habits
Pending
A specific loan with a 591.87% interest rate is mentioned, where a $1,000 borrowing resulted in a $4,413 repayment.
"And this is at a 591.87% interest rate. You borrow $1,000 for this one. Just goes up every time. You pay back a total of $4,413."
High Interest Loan
Pending