20-Year-Old Shopping Addict Faces Monstrous Debt | Spendaholics | Only Human

They don’t come much cheekier than Tommy. This 20-year-old bank clerk is a self-confessed shopping addict. In the two years since he started working, he’s managed to land himself with a credit card debt of £14,500, a monstrous debt which is eating up his modest take-home salary of £10,000. Tommy’s passion for the high life has plunged him deep into the red.
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#OnlyHuman #Spendaholics #ShoppingAddiction

[@HollyTheExploder]

To be honest, not wanting to dig up childhood trauma and be therapised on camera is completely normal.

[@mandydeane5824]

I nearly never watched this but I am so glad that I did. This is the best episode that I have ever watched. Not only is Tommy likeable but he took on board all the advice and embraced the difficulties in his past with his emotions and how these affected his spending habits. The respect he showed his mom he didn't whine or blame her and his mom took accountability fantastic! I wish him all the best with the attitude and fortitude he showed I think he will go far in life.

[@johannaelizabeth4644]

If we could all go back and stop ourselves from how much money we spent on bad fashion trends....

[@cherieroatz4233]

I know! If only we could do that! :)

[@QuantumKitty]

I love how everyone in the comment section wants to see this man succeed! 👏

[@tommymcnally1513]

Love the postive response guys really means a lot ❤️

[@scoopitywoop]

@@tommymcnally1513 do you believe you were portrayed accurately in the show?

[@maryapatterson]

Even after 10 mins you could see he had a good heart and lots of potential. Thats why people are so overjoyed at the news of his success now.

[@maryapatterson]

@@tommymcnally1513 You were just trying to be a good child and not trying to place any more burdens on your mum. Your heart was in the right place.

[@Unchaise]

Idk why he seems like an airhead

[@okthen1028]

Lmao he looks so 2000s

[@Del-Canada]

Yea, this is an older show. I am guessing 2006 or 2007. Judging from the prices and lack of mobile devices in the hands of everyone.

[@CardsbyMaaike]

@@Del-Canada they look at mail delivery slips 2005, i always look at tv's and computers too, cars, they're all old episodes, but still current for some reason.There's so many more people in debt

[@neen42]

Most of us did then!

[@okthen1028]

Trent err did I say it’s a good or bad thing?

[@princessjen99]

I think the check for the internet spending, with the clocks, showed 2003

[@BOLLOCKS1968]

Tommy is very likeable. I think he got tired of being responsible at a young age and said sod it. Hope he did well in his life! Cheers ✌

[@leeannemcphee601]

What a beautiful family, this young man is now right on track. I love the practical side Jay brings these people on THEIR level, and Ben hits it right on the head of the underlying problems.

[@CM-vs5cj]

What a complete sweetheart honestly if anyone deserves to be where they are today in 2021 it’s him

[@denisdbell]

I love the holistic approach to analyzing why this individual was in debt.

[@1985SJW]

Big respect to him! Just goes to show that anyone can change for the better if they put their mind to it.

[@MalonsMilk]

What a wonderful son Tommy is. A really nice guy and I hope he made it. The love for his mum is real and his sense of responsibility for her is so sweet and wonderful. I hope him and his mum are both doing well and are happy.

[@airportdocumentaries]

That's nothing. Most 21 year olds are in £40,000 debt after graduation 🤣

[@nailah.7796]

Except he doesn't have a degree to show up for it

[@fiveelms2011]

Not the same thing lol

[@zuzanaxyz8866]

The exchange rates back then were different, I remember £1 was more than 2€ back then, so his debt would probably be around £30000 nowadays .

[@wvcjshdsocjsj4477]

Zuzana B. More like £20k. Euro was weaker back then and pound was a lot stronger. The mess that is Brexit has devalued the pound greatly.

[@konbini2004]

Credit card debt and student debt couldn't be more different. Student debt has no interest and you don't have to pay it back until you earn over 15k. Credit card debt has awful interest rates! If you ever need to borrow money, go to the bank for the best rate. All credit card companies are awful. Also back then before torys hiked tuition fees it was rarely over 9k for student debt, now the better the uni the more you have to pay 🤢🤢

[@noreenwhiting9530]

Loved it and admired him.. So much. He was brave at his age to do this program.. Respect.. Wish you a, strong journey in life

[@leadaniel4236]

I love how much he loves his mum ❤️ they seem like such a nice family, bless them ❤️

[@lisbetsoda4874]

What a sweetheart. Such a good son and young man.

[@jenwaddell9632]

Tommy is a good kid. Hes just a lil lost right now. But hes got a good mum n i think hes been taught good morals n has a good foundation. He is fuckin up right now, but i really think he will get it together and he will become a pretty good man. I wish u the best Tommy. I believe u can do it. U are a talented smart young man. U can do it!! Keep your head up and just keep trying to do the right thing! God bless u and your sweet family!

[@tommymcnally1513]

God bless you for such a nice comment 👌

[@alexg3348]

I was the same at his age, spending on different things but still wasting it all away. A good cautionary tale. Good story for Tommy.

[@createwithkas]

Wow! My favorite episode to date! I know it’s been a couple years but I pray that Tommy is doing well! Such an absolutely delightful gentleman showing growth and kindness. Love this series!

[@Sacheen81]

So proud of Tommy and I don't even know him. What a remarkable young man. I hope he stays on track and lives a long, happy life!❤

[@dakine4238]

Such a sweet young lad. Hope he's doing well.

[@JP-ve7or]

I know everyone wants to keep this spending issue about personal responsibility and family trauma, but it was WILD the way banks were handing out credit cards to young adults before the 2008 recession.

[@traceyparish7403]

Lovely guy. I wish him luck. He will make a great dad when he older and settled

[@Fletacarling]

He’s married now and is very well off!

[@traceyparish7403]

@@Fletacarling that's really nice to know. Sweet lad. Great to know he has done well.

[@Zoritos64]

I'm convinced that the psychologist is a robot

[@ceciliajohnson8812]

I like Benjamin Fry! I think his input is crucial and fascinating.

[@buzzweebee8685]

He isn't a psychologist

[@Zoritos64]

@@ceciliajohnson8812 Oh I don't dislike him, his mannerisms are just very cold and robotic.

[@terenia27shandy95]

Totally agree

[@tommymcnally1513]

@@Zoritos64 it was his contribution that i was most disappointed with. He tried to imply i was angry at my mum when i told him how much i loved her. The show has a format that they need to justify with every participant even if sometimes there is no deep physiological reason for spending

[@Jen-jo5qu]

It's amazing what a bit of guidance and encouragement can do to help someone. What a change!

[@asimb2455]

This is so 2006! The clothes, hairstyles 🤣🤣😂 I remember those checked tops jeeeez a blast from the past

[@arlenehutchinson9259]

Tommy!Tommy!! Tommy!!! Cheering you on !!! I know he succeeded 🙌🏾🙌🏾🙌🏾🙌🏾👏🏾👏🏾👏🏾👏🏾🥂🍾

[@novera.tambunan]

Thank you for helping this financially troubled young man. God bless

[@alamedadanceparty]

So happy for him! Her really turned around! One of the best episodes! Love how he sold one of his watches to bay back his debt. Go Tommy!! I think that visual cake metaphor really had a big impact combined with all the work done. So chuffed for him! He should be so proud of himself!!!!!!

[@maryapatterson]

What is a shame is that there are alot of lads like Tommy who just somebody to believe in them and show them alternatives like the go karting.

[@photosynthetics7865]

Aw he’s so cute :) wonder what he’s doing now!

[@Brooklyn-rj3np]

Ok this is one of my favorite guests. Lovely young man. Refreshing

[@natevic1867]

Spent the same way as a kid As an adult you get panicky when you hear about people who spend outside their means. Like seriously.... how can you go through life without saving anything?

[@TenorCantusFirmus]

Never wanted a credit card, and after having seen some episodes of this show I'm even more convinced about my choice. I have a debit and a prepayed card, and I'll stick with them, much better avoid being tempted. I might be a tad bit drastic, but who knows...

[@jamnbryan1]

16:11 $1 for chicken and chips. boy have times changed...

[@rosari3165]

Good lad…wishing the brightest future for him

[@mardcon2002]

Tommy did a lot of work I hope he is doing well. Working as a coach of the sport you love and not dropping half your income trying to play it....great idea for other people who love their sport and need an income.

[@e.astleford3492]

When someone is this far in CC debt, one of the first things to be done is to confiscate(not cancel) the cards.

[@CraigsOverijse]

Credit card should be used for stuff in a month then paid off in full not seen as a free line of credit

[@jenniferhcsmith-5586]

Yes and in an emergency.

[@ishabrown]

Great lad so smart, glad he turned his life around he looks so relaxed at the end. Well done!

[@sanjeewanidesilva9354]

What a nice young man he is going to do so well in life and one lady is going to be very lucky to be his wife. His such a darling.

[@zarasamuels9377]

What u don't get why was he ever given so much credit and why he was allowed to get in so deep in just 2yrs.

[@Mr._X84]

Zara Samuels Credit Card companies don’t make money on people who pay their bills in full each month.

[@zarasamuels9377]

@@Mr._X84 they also less money if people never pay it back as well.

[@konstatinvonbillerbeck3715]

@@zarasamuels9377 the interst is stupid high, so he's only making minimal payments. Paying a lot, and the debt is still accumulating. They make loads from guys like him, he keeps paying and paying and never loses his debt.

[@CaliforniaDreamin.]

At least he’s cute lol

[@philosophyofthestars]

E yes he can be a gogo dancer

[@asimmer212]

I've been binge watching this series for the past couple of days, now I get all adds for shady loans lol

[@richsage3235]

Never thought about my debt being related to how i grew up........

[@bitsbydams]

Absolutely loved this episode, hope he is doing well

[@Ellen-hs7zb]

"A footballer's wife's husband!"

[@kr9896]

They are playing Cleaning out my closet in the background 😂

[@Helga-fe5xl]

What a nice guy

[@D.von.N]

It is astonishing how many people don't understand that the money on their credit card isn't theirs and that not paying it in full each month mounts on their debt in a hefty interest. The bank has to make the money somehow and they literally pay the price for those who get a free loan, without any interest. They are the mules. For a shallow feeling of joy from stuff they don't need, running away from negative feelings, they are going to pay a hefty price for stuff they never bought, in those interests.

[@chloeglynn2054]

This guys doing well now been in a few big films and owns his own company

[@victoriannecastle]

You mean he's an actor? Then it can finance his lifestyle

[@calendarpage]

@@victoriannecastle He's only been in a few movies. His money comes from a tax prep/refund business and creating sports commercials. He's done so well for himself - but I'm not surprised. Yes, as often happens with young people with their first real paychecks, he blew a lot of it. But maturing early probably left its mark and he realized he needed to work to get what he wanted - and he has.

[@stephenj5432]

@@calendarpage sadly his tax prep businesses was very scammy :(

[@jak9483]

What a nice guy, he is a credit to his family, (no pun intended.. honestly!)

[@angelaw886]

I think he was just making mistakes from being young and having to worry about his family. We have all been there. I love how he cares for his mother. Many people on this show did not seem to give much thought to their parents.

[@EdgeOfLight]

this comment section is so random lol

[@tommymcnally1513]

Im cracking up

[@turtleanton6539]

Ouch

[@mikeadriano3330]

The Eminem instrumental background music is so well placed and funny 🤣🤣🤣

[@genevielucious4945]

I dont know why but I felt sorry for him and his little cake. I hope he succeeded. He's a likable guy.

[@nadiaborges.]

He's doing really well he's a millionaire now

[@carriedudley8593]

​@@nadiaborges.How do you know this?

[@msylvini]

​@@carriedudley8593people googled him and apparently he started a Fintech company

[@Toyeboy89]

It's funny how different people have totally different spending problems. I'm debt free now but I really have a weakness for the latest electronics, computers, tablets and phones. Could care less about clothing.

[@bygonestales2171]

in most of these episodes the 'trauma' the spenders have gone through just sounds like they are cornered and trying to make up an excuse

[@fly89]

Beatrix Passmore exactly. and the “psychologist” looks for things that probably isn’t there at all..

[@hairproducts7637]

@@fly89 Truth

[@daCubanaqt]

@@fly89It’s because Benjamin isn’t a psychologist or psychiatrist - he’s a “psychological coach” (whatever that means). He asks too many leading questions and doesn’t let the person talk half the time. He cuts people off right when they are trying to express themselves. Apparently, Benjamin is a psychotherapist now, but I couldn’t find what school he went to.

[@88Erank]

That poem was enough ... Jesus psycho poem about death 😂

[@Single.White.Female]

Credit cards max out dude 👌 then you'll be broke AF. Been there, done that.

[@marieboutin9054]

this young man seems lost. Why does he need so many expensive shoes and clothes ? it is to reassure him. What is wrong when he speaks about his mother ? He seems to be afraid that she dies ? Is she ill ? His mother is worrying sick about her son and is very depressed. They definitely both need psychological help to see throught this situation. Otherwise the young man will have a very bleak future because of his financial situation.

[@pinkpotatoes9849]

He's bright. He's a really good son. Maybe he just never had any guidance in money management.

[@colinjava8447]

£14000 isn't monstrous debt, but it needs dealing with quickly before it becomes monstrous.

[@Evandrosab]

that was in 2005 when the show was recorded

[@thejadog1741]

Was not expecting to hear without me in this video lol

[@kB-sd2et]

Is this filmed in the 90s?

[@reedfinn7826]

2005

[@CraigsOverijse]

How can any one at that age have that kind of notion that it’s fine to go so far into debt and not worry he isn’t addicted he is just in need of a real life to keep him occupied he should go out teaching kids to play football or something not be on the laptop spending

[@shangreer9060]

We don’t teach financial responsibility in schools so if a parent doesn’t instill these values, the kids to wild.

[@edencharles5250]

What a great lad we'll done!!

[@stormysmom222]

Credit card debit eventually goes away. Student loan debit will never go away.

[@mambowumbo]

I can feel an emotional feeling from your comment

[@stormysmom222]

@@mambowumbo LOL yes. Like your evil Patrick pic

[@seangreen9633]

Elizabeth McBride the stuff bought with the credit card will go way in a few years. You graduations certificate will stay with you forever. The first is a 100% lose, zero return. The return on the second is almost guaranteed, how much is depended on your major. But if you choose to learn nothing in school and accumulate a student loan debit, then it is 100% your fault.

[@jenniferhcsmith-5586]

@@seangreen9633 depends on what you went to school for. I agree 💯 with you.

[@victoriannecastle]

That song is not very 2020s. ..its nostalgic for me. When was this film?

[@tommymcnally1513]

2005

[@alexsmith7861]

@@tommymcnally1513congrats man, your story is like a fairytale 👏👏🤩

[@dougtaylor2803]

Tommy didn''t exactly win the lottery in the parent department.

[@aliciataylor75]

Aw, I hope he did ok, it would be nice to know!😆

[@MelissaRae1975]

I never like how the experts take there spending down to zero....i don't feel that is realistic. I mean 20 bucks could be a little something he could live with

[@elizabethrennick9407]

Where is he getting £600 pounds a month if he’s not working is she for real this show would have been ok if she wasn’t so damn patronising

[@maureenu3047]

10,000 pounds... A month? Or a year?

[@AC-130....]

Year

[@maureenu3047]

@@AC-130.... Yikes! That's not much. If it wasn't for his Mom he'd be homeless.

[@prochoicenotantivax119]

Bank got in the way of football bank closes 12 on a Saturday football usually kicks off at 3 but don't blame him way too young to have dreams destroyed and just know your place in society

[@tecnicovtr1311]

Imagine living your life just to be pretending that you can afford stuff by just getting in debt over and over and over , pathetic

[@tecnicovtr1311]

@Just Listen havent commented on this type of videos in years

[@paddy1144]

£190 lmfao you dont even eran that a week love

[@traceyparish7403]

Lol I wonder how much money the show waste on 2 minute props like hundreds of clocks for these episodes.

[@momof2momof2]

The thumbnail makes him look like Mario Lopez

[@socalgal714]

🤦‍♀️ Someone needs to explain debt to income ratio to this kid!

[@MickeyMerris]

Um.....yeah. What show are you watching?

[@jenniferhcsmith-5586]

Alot people need advice on how to manage money. Some are better than others.

[@markmarkmark1821]

I think they want Christmas every day

[@alexshep3083]

I wasn’t aware of weird soccer heads kissing there sweaty boxers and selling them to there homeboys.

[@tigerbooh6882]

Same lmfaoooo

[@AlistarMadeBy]

He’s cute

[@ttp436]

I know right so r u

[@TNZ89]

40:01 Anyone knows that song?

[@jenniferhcsmith-5586]

Moby

[@TNZ89]

Jennifer HC Smith Could you please tell me which song?

[@tommymcnally1513]

Moby - Feel so bad

[@TNZ89]

Tommy Mcnally That's not it

[@Iworkwithnitwits]

That cake looks good.

[@helenweb]

Iworkwithnitwits The £1 chicken and chips looked even better!

[@shangreer9060]

Ditto on the cake!!! 😂

[@billjones2629]

10k ? In 1986 lol

[@mardcon2002]

In Bitish pounds at the time would be $20K. The pound and euro were double at the time, early 2000s

[@Biancaviolin]

I always wonder with these old episodes where the people are nowadays. Were they able to pay off their debt? Are they happy now?

[@hibkoko]

Biancaviolin a quick search shows his LinkedIn profile! He looks like he’s back on track👍🏼 good for him!

[@Biancaviolin]

@@hibkoko Oh my, you're right, why haven't I thought of googling?! Feels forbidden :D So interesting, I hope he's right on track financially nowadays! These episodes feel so old but still are so relevant, it's amazing...

[@hibkoko]

Biancaviolin I know what you mean! I looked up someone else from another episode - she too was very young when the programme aired and I was interested to see how she was now. Looks like a lot of the people on the show do turn their lives around and most actually start their own businesses! Good for them!

[@buzzweebee8685]

In one of these videos, the guy from the show is in the comment section chatting with people. Telling them how it all worked out.

[@palmtree2k8]

facebook.com/profile.php?id=100003487047266 his fb profile! I think

[@Terri_MacKay]

"I can't afford it, but my credit card can." Yeah... that's not how credit cards work. 😂😂

[@daCubanaqt]

Sadly, it is how credit cards work until the bill comes. That’s the problem with them!!

[@annalieff-saxby568]

And that, boys and girls, is why I no longer have any. Once burned, twice shy.

[@Terri_MacKay]

@annalieff-saxby568 Got rid of mine years ago. And I know quite a few older people who have gotten rid of theirs, and a lot of younger people who have just never had one. Smart!

[@sanboyce]

Tommy has done really very well for himself since this program. Rock on Tommy.

[@turtleanton6539]

Very nice 😊

[@lafillenoir]

One of the most positive transformations I've seen on this show. He's a young lad but he really seems to have taken everything on board and was really serious about getting rid of his debt and getting a better job to facilitate that. He's done far more growing up in his 20 years than some men twice his age. He also seems to have a lot of love and respect for his mother, and isn't afraid to show it. I hope he's doing well for himself now, wherever he is in his life.

[@puppies4everthefam233]

Tommy kinda looks like a really young Mario Lopez from “Saved By The Bell”.

[@lanalee8634]

Agreed!

[@Salmiyaguy1]

more like a member of N'Sync.

[@konbini2004]

You must be blind. He looks more like screech lmao

[@toby43078]

No way...Tommy is much sexier..

[@Irene-gq4jr]

Great turnaround, hope he has stuck with it. I can identify with growing up too quickly (strict, penny-pinching household), then broke student, then spending like a drunken sailor once I started earning a decent salary. Never unmanageable debt but never saving anything. Life is better when you have contingency plans.

[@cherposton8242]

He really seems like a nice young man. I hope he's doing well.

[@jenjones90]

He has worse vocabulary than my 5 year old niece and his sister is even more dumb than him...and his mum is fooling no one saying that she is the one who "left" her "partner"....they are the type of family the world doesn't need.

[@cherposton8242]

@@jenjones90 I'm pretty sure you, with your imperious attitude is the one who has the real problem. based on what you posted you are a real homegrown dirtbag. No one needs your judgmental bullshit. Go have several seats and whe. you decide to be on tv let us know so we can judge your stupid ass.

[@jenjones90]

@@cherposton8242 he was probably spending his money on something that looks a bit like....and his mum is a tart who no one wanted.

[@jenjones90]

@@cherposton8242 by the way "Cher"...you meant to say "are the one" not "is the one". You sound so much like this bloke.

[@elenawilliams32]

@@jenjones90 Oh Sweetheart, Whom do you think you are? No one cares about your revolting and narrow views. I hope you find some real friends and loved ones as you sound bitter and twisted. He's under 25, his frontal lobe hasn't finished developing in this film, what's your excuse?

[@carolinependleton8445]

What a lovely lad,hope everything goes well for him,he deserves it.

[@maryapatterson]

His mother is the sweetest. I am so glad she got help too.

[@maggiemay97]

I’ve watched many of these shows lately and I don’t understand why the banks/credit card companies didn’t shut off the cards when people run up debt that exceeds their low incomes.

[@zuzanaxyz8866]

Maggie May Because they don’t care - the more money you owe them ani the more they can get out of you through interests, the better...

[@triggahappyyt5420]

The banks sell these debts to debt collection agencies.

[@bialarcrais1763]

I dont have or want a credit card I domt want the temptation at all

[@celestialcircledance]

Credit card companies don't like trustworthy people who don't make them money . I hear they call us deadbeats which is fine by me !

[@princessjen99]

I had the same problem after high school. The credit card applications came rolling in and the garnishments started...good lesson though!

[@mohammadal-drees3106]

He’s such a smart and a good kid at heart! Everyone makes mistakes, especially when we’re this young. I realise that this is an old show, so I’m hoping that he’s grown into a good man. 🙏🏼

[@elebea868]

He is adorable. He seems to need some guidance, maybe a male role model.

[@marci3659]

Well done Tommie...I don't think he's a hopeless case...far from it...he's had an emotional breakthrough with his mum and money...and growing up.