How This Barista Spends Her $15K Salary | Honest Accounts | Glamour

We asked a part-time barista in NYC with a $15,000 salary to break down everything she spends money on in a month.
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How This Barista Spends Her $15K Salary | Honest Accounts | Glamour

[@malikg5285]

#1 rule of money don’t spend money you don’t have.

[@JJ-ve4ho]

This isn't always a good rule anyways Edit: I change my mind, it is

[@Ramxie35]

J J but it’s good for people with money problem

[@michelle-yt7qr]

learned the hard way 😭

[@RenzoIsHereYT]

This means if you have credit cards use them as if they are debit card AND PAY THEM AT FULL at the end of the month. You play the credit card companies don't let them play you!

[@ckherrington3]

These videos would be really interesting if a professional finance person gave them some tips at the end.

[@carnival30]

Now thats a good idea!

[@stelity]

professional finance person for 15k salary? I think a career counseler would be better. Invest in yourself and get training/educated in a field that pays better.

[@richardzhouren8665]

That’s facts

[@milesjohnson7423]

@@stelity Why question a professional finance person giving her tips to manage a low salary? And career counseling is great, BUT YOU STILL NEED MONEY for that. Professional finance tips would help, because it's not always as easy as saving a few dollars. Career counseling and investing in yourself is important, but when you made that suggestion it didn't come off as thoughtful because how is she going to afford career counseling when she doesn't have enough spending money per month.

[@chezkalatayan3204]

CallMeCourt PLEASE

[@midori4036]

seems like she’s spending a lot of money on friends and other people instead of worrying about her own debts and living beyond her own means

[@joshf-w9602]

Yep, clearly she's part of the Yolo generation with zero plans for the future. When I was her age I was making about triple her salary but probably spent $400-$500 a month at most, she's got the budget of someone who makes 10 times what she actually makes

[@terridactyl]

Why worry when you have mommy paying your credit card or whomever you're sharing the joint card with is covering the minimum payment.

[@applecrave1097]

@@terridactyl cus mommy doesn't pay for my things ._.

[@anoopgill7245]

@@joshf-w9602 faxxx bro, you definitely have the right mentality

[@joshf-w9602]

@@anoopgill7245 Yep, I grew up in a struggling family that eventually clawed our way to the middle class so those lessons still stick with me. This poor lady is battling poverty and doesn't even realise it

[@adatewithnaturecom5139]

$71 for cupcakes?? I would’ve went to Dollar Tree and got a dollar cake mix, dollar frosting, and a bag of sprinkles.

[@cris_here]

ew

[@ukuleila691]

I'd rather do that than spend $71 for just cupcakes tf?

[@carlgrimeseyepatch27]

The cupcakes were for her friend y’all hahahahaha she was being generous

[@dylanburns8759]

@@carlgrimeseyepatch27 she makes 15k a year she shouldnt be spending that much on cupcakes regardless

[@carlgrimeseyepatch27]

Dylan Burns trust me I agree.. I’m just trying to see the best in her hahaha

[@vivianiloabuchi2435]

“He’s a Libra, they don’t listen.” Is she really making excuses for this grown man based on his sign?

[@blackgirlguidance7572]

Vivian Iloabuchi Libras are definitely trash though

[@3nyx]

BlackGirlGuidance yeah because you’re so special :)

[@irisastraea2227]

She didn’t lie

[@factsverse9957]

5:18

[@saraquintero8888]

Lmao libras actually do listen they’re are super indecisive bc they value everyone’s opinion

[@peachesncream8667]

she needs to dump her boyfriend immediately. like yesterday. like last week.

[@OrigamiTree]

Just a suggestion: You can walk, bike, scooter, etc. to the nearest subway station and get an unlimited Metrocard for $127. No car headache!

[@theopkingdom3433]

Like her $325 leftovers per mo was spent like 5 times over. She's NOT living on $15,000- she's living on Mom's credit card. Has to be. If you have $325 a month to oay for groceries and everything BUT bills, how you going to Cancun, buying $70 cupcakes and expensive gifts for your friend? This should be titled $15,000 a year and access to Mom's credit card... :/

[@SLBArtful]

I have £200 a month after all bills and groceries and wish i could spend half of what she does. No holiday in 8 years, have to save for 2 days out a year, clothes shopping is a rare thing also even when theyre falling apart. Its not realistic.

[@theopkingdom3433]

@@SLBArtful Totally agree. People who are GENUINELY working poor are not spending like this...

[@Spike3202]

THANK YOU!! SOMEONE WITH SENSE

[@hezdunnah]

Thats why she is in debr

[@emilygrace534]

@Jenn H. it's not welfare

[@BanditoTaylee]

The boyfriend needs some perspective. She's not his bank

[@mayataylor5743]

BanditoTaylee I’m pretty sure he covers more of the House bills so I think it works out for them

[@nightfighter7452]

@@mayataylor5743 why would you constantly overdraft your account though, especially when you know exactly what you're doing? That's just an unnecessary fee he could be avoiding

[@mcottrill23]

Why do you think shes able to afford trips to Cancun and buying her friends beats and $70 of cupcakes? Maybe....because of her boyfriend?????? You need to chill

[@BanditoTaylee]

@@mcottrill23 she says in the vid her friend got a package deal to cancun so she paid half upfront and the rest later. She didn't say her boyfriend got the package.

[@mcottrill23]

@@BanditoTaylee never said that. But obviously he helps her with other things so shes able to do those kinds of things.

[@CharliesLifestyle]

I realize a lot of people don’t know a thing about managing money when they say she manages her money well

[@constituent15]

Charlie Day let’s see your finances Becky.

[@CallMeCarolyn]

excuse me she makes barely any money? What do you want her to do? Eat package powder soups with rice to add the calories?

[@slaiyfershin]

Nope, she doesnt having to resort to that when she can go online and splurge on Sephora and bunch of random snacks like Dunkin Donuts while paying crazy amounts for fast food. That's like what...3 meals in one sitting!?

[@Pandalnc]

Charlie Day girl...you the last one to judge since you’ve “quit your job to peruse your dreams”

[@captainobvious1415]

"peruse your dreams". I mean, shouldn't we all closely examine and read over our dreams intensely?

[@CorieCupcakes]

the boyfriend needs a talking to though

[@DFentonUSA]

why

[@spacetree5808]

David DeVries because she’s consistently having to “cover his overdrafts”. I assume he’s an adult, he shouldn’t be relying on her or anyone else to clean up his messes.

[@roxanaortiz]

kansas9132005 agreed... Having to pay for when he is financially irresponsable is a no no

[@whitesnowable]

kansas9132005 shouldn't the bf pays for stuffs lol

[@samkhaleidia5964]

sakura li This is exactly what I’m talking about, if the genders were reversed in this situation no one would bat an eye

[@whatever3041]

Her debit card expenses do not look like someone living on $15,000/year.

[@sulekha1984]

When she said she bought her friend Beats earphones on HSN on a monthly payment plan 😱 I wanted to jump through the TV and shake the girl! THAN she’s paying for things her boyfriend should be buying for himself 😵😵😵 please stop. Right now. Issa trap! No need to be buying $71 worth of cupcakes. Your friend would of enjoyed one and your company 😉 Other than that she’s doing alright for the amount she makes every month. Good luck to you sis!

[@sct4040]

Agree 100%

[@hawkeyemihawkgettingmoneylord]

S H she can’t give her friend a gift?

[@MsSassyMT]

Yes to all of this! She's definitely trying to live a life she cannot afford. And $71 for cupcakes is insane. She could've bought her one darn cupcake and stuck a candle in it.

[@sulekha1984]

hawkeyemihawk getting money lord afro hokage most definitely she can as long as she can honestly afford it. Covering someone else’s over draft is questionable but I don’t know what goes on behind their closed door 🤷🏾‍♀️ I hope he pays her back every time....

[@Avocadomedley]

the cupcake was just a visual representation of fast food expense in general lol not literally cupcakes alone

[@KulahMoo]

For someone who doesn’t make a ton of money she sure does spend a lot on non necessity’s.

[@lolalover24212]

Maacah can we stop pretending like poor people aren’t allowed to own anything nice or do ANYthing fun? Half of her expenses are really nice gifts for friends (which shows the kind of person she is) or helping her significant other. I agree she could cut down on fast food but so could pretty much everyone. She’s not doing half bad, at least she isn’t paying of loans or anything major!

[@devinngeorge]

@@lolalover24212 gonna remain poor with that mindset. Delayed gratification is important in improving your socioeconomics status

[@okaysoanyways2645]

@@devinngeorge Exactly its ppl like her that think for the short term never for the long term

[@doubledutchclutch]

Emma Roy can we stop pretending like this girl is poor? She makes $15k a year at a part time job, but still buys trips to Cancun, $70 cupcakes, has a car while living in the city, an EZ pass, AND a Metro Pass, plus a litany of other unnecessarily expensive expenses. If she were really poor she would have bought one, yes ONE cupcake, or got a dozen cheaper ones at the supermarket, restricted herself to the car or metro for trips into the city, not both, and gone to Target or Ross to buy her clothes, not American Eagle or whatever was listed on her receipt. All of this on top of covering her boyfriend's overdraft fees. That's nice of her, but really irresponsible. She does all of this though because she's not really poor. She has her parents bail her out whenever she gets in a bind, which to me sounds like more often than not.

[@crishernandez5828]

Juliette Robinson She lives with roommates. If she lived alone, she would never be able to afford anything.

[@ominous450]

She does not need a car. Especially a new one. She’s spending $200 on car maintenance gas insurance. $130 for an EZPass. $130 for a Metra Card. She wants to add a car payment. Makes no sense

[@nightfighter7452]

She said because older cars have more issues that need to be paid for

[@FahimaMohamood]

I agree. I live in a big city and I just use my car and don't buy any train or bus passes. It's really one or the other.

[@tricepruitt7265]

ominous450 That’s what I was thinking

[@clipstheonly2513]

ominous450 exactly, that car is not needed especially in NY

[@ElinWinblad]

Sam The Slouch you have to find a good dealership that other ppl rave about. The kind of place that actually checks the car out b4 putting up for sale

[@junebug77544]

She’s needs a new boyfriend

[@chickenbro5]

L

[@anonwa4309]

lola hey im ur one thousandth like

[@warrengslab]

@@anonwa4309 ayyye

[@summerrr1]

lola Why? Did she eat the last one?

[@Ja-oq4sc]

@@summerrr1 bruhhhhhhhhhhhhhh you wrong for that hahahahahahaha

[@spiritualinsiderr]

$71 for your friends cupcakes when you have $325! I find that a lot of people with lower incomes are usually way more giving & willing to be generous.. wow

[@bisikazeem1396]

She need to let her boyfriend take care of himself!

[@antwto8784]

familiar trend in all these vids, they all seem to look after/provide towards their boyfriends watch the last one (the woman on $140,000), she was literally like a sugarmommy to her boyfriend

[@carnival30]

ant wto Yeah the 140k girl was a total sugarmama.

[@gypsyj7154]

Very true

[@n.m.8728]

I agree but she also said he is one of her roommates so I guess in some ways it becomes her problem if he and pay rent and utilities

[@mcottrill23]

Why do you think shes able to afford trips to Cancun and beats and $70 cupcakes? Trust me hes taking care of her too

[@poppy89]

She works part time and has a ton of personal and join debt. Owns a car in nyc. Spends money she doesnt have aka beats for a friend. Why is everyone commending her?

[@kb9847]

@Thelondonbadger I don't understand a thing you just said. lol I'm old!!

[@jenny72089]

Girl. You need to stop paying for your bf. Like wtf? You’re not his mom. Also, I know it takes time, but cooking for yourself will save you a lot. Maybe a Sunday to meal prep or so

[@twdjt6245]

jenny72089 not to mention be better for her health (also saving her a lot of money in the long run)

[@mcottrill23]

@@jo.t8812 agreed I cant believe the comments on here. She helps him out every now and then and that's paying for him? Ooooook. Sounds like she doesnt spend too much on actual bills because I'm sure he also helps with them.

[@nastassiapanter1156]

What bills? Her utilities are included.

[@walkermorales337]

@@mcottrill23 I’m fine with something like underwear since that is basically a gift, but paying for overdraft fees is too far. I also don’t doubt that he probably pays for late utility fees either since it looks like they are both terrible with money.

[@ashylarry3442]

As a dude, I got mad when I heard about her boyfriends bank fees. I wanna have a man-to-man talk with the boy...

[@nczioox1116]

"man-to-boy" talk

[@Musikchic47]

Finally someone who has a more realistic salary

[@Bullish_Lauren]

Kelsey Vandercoy 15k is realistic?? That’s way below poverty level

[@Musikchic47]

Realistic in the sense that it’s more relatable - I only make $21,000/year so I can relate to this more than some other women on here who make $50,000+ - it just shows how you can really stretch your money when it’s all you’re currently working with

[@tianachet713]

Kelsey Vandercoy how is this not realistic ?

[@eve36368]

@@Bullish_Lauren actually it's just above the poverty line. poverty is about $11-13k. however other welfare programs are based on percentile so pike the bottom 40%. i do believe $15k would probably fit in that definition.

[@victoriahale5254]

Kelsey Vandercoy realistic for a child?

[@chariseoctavia2425]

When she said $350 for rent in nyc I was like HUH 😳 then when she said the Bronx I was like OHH 😶

[@instatanious]

lol

[@AR-dr1sb]

she has a roomate

[@phoebechristina]

LOL right?! she's also paying for a room she shares with her boyfriend so it could be $650 for their room, $1300/$1950 for the entire apartment

[@chariseoctavia2425]

PhoebePebbles oh my god 😩 that’s awful

[@andreakae4211]

Okay right off the bat she admits her mom pays her biggest credit card debt. So the whole thing is inaccurate.

[@brett8460]

This girl makes 15k a year, lives in NYC and owns a car, buys her boyfriend underwear, spends $71 on cupcakes, is $5,000 in debt and is on a payment plan for $300 headphones for her friend and went to Mexico for her birthday. This girl needs to get her priorities straight.

[@HeyJess27]

Dang she’s really good to her friends... $70 on cupcakes and she bought her other friend Beats??? I make more than her but definitely spend less on birthday gifts! I gotta step my game up...

[@makeupunlimited]

IKR. I'm thinking I've got the wrong friends. :)

[@fruhty114]

when you fw someone it doesn’t hurt your credit card

[@hayleymyles6823]

No she needs to spend less on her friends...she's living beyond her means...she should pay off her debt and focus on it...

[@TheToadChild]

I have a $20 budget for birthday's and $40 on Christmas. Family only. Had to make the switch a long time ago. Once you reach a certain age you just can't afford to buy gifts for everyone you know anymore.

[@hayleymyles6823]

I only buy for closest family members now. I spoil on birthdays and Xmas is on a buget as I like to show love and gratitude to them by not just buying things but I cook lovely food for them... it's about bring thoughtful I'm great at buying presents etc I make great b day gift boxes...it's about bring organised if you rush out last minute to buy things it's gonna cost ya....x

[@lizcourtney1]

I think it's good that you try to save when you're young, but whats the point in saving money when you've got debts to pay off? That would be my main priority - have a couple of strict months where you only buy essentials, pay ur debt off and then enjoy yourself again without having to pay interest.

[@dachshundlover2650]

This lady seriously bought beats in an installment plan as a GIFT and a trip to Cancun when she is IN DEBT, SHE IS IN DEBT.

[@chrystallynn]

She's got a big heart, most of her money seems to be going to other people and they can take advantage of that. She needs to take a step back and learn to say no, especially to her boyfriend. If she gets that in order, she's got more savings than other people with that same salary, she'll do well. She could get a second job or side gig to save more as a security blanket. Her rent is spectacularly low anywhere in the US, and she can take full advantage of that and save her money. Increases in income does not always automatically mean increases in savings, managing $15k now very carefully will pay off when she does make more money. I know because I've done it.

[@whatamess8764]

You need to watch Graham Stephan's reaction to this. He'll help you

[@tech8222]

Ah a man of culture I see

[@optimisticnihlist9705]

I come back and watch this video every time I feel like my life is falling part and that I'm not doing enough to advance myself and I feel incredibly better comparing myself to her.😊

[@meacelestin]

I'm really enjoying this series and hope to find more! Especially at different salaries, and maybe in different cities of the US? As for her, I admire her willingness to save but maybe cut down on the expensive gifts to people ($70 cupcakes, beats earbuds)...especially if they don't reciprocate in an equal way. Also, it's not anyone's job to correct their bf's financial irresponsibility. She has $5,000 in debt! He's not going to grow up and he clearly is not contributing to her own solvency, never mind his!

[@melissajbol5447]

"I don't have a lot of time to cook." Girl you working a part-time job. What do you expect when you have a full-time job.

[@Mariaaaaaaaa213]

Can we have someone not in New York...

[@Nikki-ks6wi]

yes! like Miami or LA or Atlanta

[@cherylbrown986]

or Philly

[@Mariaaaaaaaa213]

Chicago

[@amillieamillie]

Cause we littttt 👏

[@Cupcakeprincess85]

HOUSTON

[@imxd1698]

She laughing like going in debt funny

[@beyondthenurd]

200 on a car? a monthly metro card is 121

[@beyondthenurd]

If her dad is in the city she can use here metro card. If he lives outside the city there is always Metro North or he can pick her up.

[@LilySkye]

Wow I’m surprised she spends so much on non-necessities. I earn 30k more than that and I feel guilty spending on non-essentials

[@ApRiL3706]

@@lionedheart Same here, except I don't invest. I just put my savings in a high interest savings account or CD. I look for clearances and sales all the time and don't impluse shop for stuff that will just become junk in my house or unused.

[@Dis_is_fine]

My income is 81k and I feel guilty whenever I buy fast food (which must happen about 3 times per month now. Still trying to lower that). For $70 she could have bought the ingredients to make cupcakes for months

[@faureamour]

I sincerely don't understand this math. If she only has $325 left to spend a month, how does she spend so much? I'm not actually being judgmental. I just honestly don't understand. Is she using the savings or is this all credit card debt racking up?

[@Knoxus99]

Debt...

[@vacantandstainedd]

Some of the costs they pointed out was included in the transportation breakdown

[@faureamour]

Oh, okay.

[@FahimaMohamood]

Yes I didn't see it either because if you only have $325 to spend how are you eating or spending so much on gifts or trips?

[@mcottrill23]

Her boyfriend helping and credit cards.

[@JayLawson]

People if you are making 15K in NYC, you cut the car all together, and NEVER eat out. Buy groceries and use the Subway. I am not sure why a financial adviser didn't come on at the end but this is how you run that budget: 1250/Mo = 350- Rent, 200- Food for the month, 150- pay self(saving), 150- internet and utilities, 150- subway and uber for month, 50- phone, 100-misc, 100- Debts

[@ScarlettJ1221]

This is something I never knew I needed

[@hipnhappenin]

I love the lower income videos. As someone who’s grown up relatively comfortably, i think it’s interesting to see how other people spend/save.

[@ApRiL3706]

She is a bad example though. She ain't saving at all

[@kevojapan]

How to Destroy Your Credit Score 101

[@WoWplayer527]

here we see yet another example of a poor person who will likely remain poor for the rest of her life. you cant build up savings if you spend all your money on fast food and cheesecake. it would also be a wise decision to drop that boyfriend of yours, he a clearly a drain

[@Jeana4life]

This video literally pained me. I see why she has so much debt.

[@terridactyl]

Point of this video, she's not living independently and relying on everyone else to enable her to spend money beyond her means, allows her to spend money when she's in the negative.

[@FlexChemist]

I’ve watched this video a few times on different occasions and this is the first time I’ve really been left wide-eyed at the financial situation. I see myself in it as well. I do hope that for each of them they gave them some sort of financial advising/planning for each guest in return.

[@fatine]

Did I miss the food/groceries expenses?

[@harryskittyz]

she eats a lot of take out because its "convenient"

[@FahimaMohamood]

Lol. That was my question. Was her food and groceries part of the $325 she had left to spend?

[@okaysoanyways2645]

Oh you mean diabetes type 2/debt bc groceries are non existent for this women

[@TheRandomHighFive]

I don't get how she doesn't have time to cook if she is just working part time. This girl needed a meal plan like yesterday 😂.

[@Ringdingdong206]

Guarantee you buying groceries for the month is better than getting fast food everyday

[@TheToadChild]

I want to applaud her for having any savings at all. There are people who make six figures a year and don't have any savings at all.

[@Lookatmeshine]

She has a minus net worth though...

[@sierralafaye]

Wowww! This makes me wanna go look at how I’m spending but also makes me scared to look at what I’m spending 🙃

[@xdozie]

Remember everyone when buying a gift for someone it's not about price tag.. it's the thought that counts! Don't go in debt for temporary pleasures.

[@damianwilliams3468]

I really love these videos! Please make a series with guys, Glamour 🙏 I’d love to see the guys represent too, these videos are so interesting and it makes me feel conscious of how I spend my money

[@elenafreck9250]

"Vox"

[@doctorbellacullen]

This isn’t Vox it’s Glamour a women’s magazine.

[@damianwilliams3468]

omfg I was wondering when they were going to bring in a guy, I’m such a fool I still think it’d be cool if they showed some guys, don’t know if it’ll happen but it’d be cool

[@Knoxus99]

@@damianwilliams3468 maybe email GQ magazine?

[@cato451]

Wow. There’s a whole lot going on here. Lots to criticize but I’ll say at least she seems happy.

[@veliciahiley7652]

cato In this day , it really counts to be happy.

[@cato451]

DreamAngel123 PFW I agree!! If I was her (which I was once) I’d be a stress case all the time. Lol.

[@joshf-w9602]

Ofcourse she's happy, all she's doing is ignoring the issues that will follow her for the rest of her life, it's a bit like watch a morbidly obese person eating junk food of course they're happy in that moment but doesn't mean it's good for them

[@veeebeee2700]

I respect her honesty! Life's real!

[@thanosmaster-abel559]

Everyone in the comments talking about the bf but everyone needs to see Graham’s Stephens video on this 🤦‍♂️she in debt.

[@13cermaka]

Oh my gosh... living in New York is so hard. I make just over double this with a full time job in media, and I would be struggling way more if I didn’t live with my boyfriend. Mad props to you, girly!

[@freddieunicorns5170]

even though 15k shouldn't be a long term salary, it's still workable if you don't go to cancun when you already have credit card debt

[@msj56]

Public education has failed so many.

[@SoCalFreelance]

Agree, a well developed personal finance course should be mandatory for all students.

[@FahimaMohamood]

According to her bank statement, she had deposits of $2398.58 and she transferred $150 of her investing app over meaning she is dipping into her savings and included someone Quickpaying her. She used $1538 on her debit card this month. That means she is overspending and dipping into savings. Also, someone deposited over a $1000 in her account, which maybe are her parents, so I'm glad they provided the statement to see how she is spending. It's helpful.

[@antwto8784]

Notice one thing in all these vids - they all are very giving towards their boyfriends. NY women are generous!

[@Nikki-ks6wi]

wait... can you explain about this i am interested lol

[@antwto8784]

Jo Schmo well I've never been to NY so no

[@jackiem1682]

I keep hearing women in NY outnumber men like 4:1 or 3:1 something like that. Basically it's hard out there to find a relationship lol

[@queeniec6989]

in argentina you can really live with that salary and that’s considered very well paid because of the price of the dollar

[@antoniai9630]

How does she have 325 to spend but spends over 1000+ ??? Doesn’t add up

[@cclibre3832]

Wish I could see these types of series DAILY!!!

[@Dreamllama17]

Girl you’re gonna be 25 out and complaining how capitalism did you dirty but look at your spending 🙄 this is ridiculous. And if you made more money you’d get a new car????? Um... you have $6K of debt and no savings.... you ain’t getting a new car. Lol 🤦🏻‍♀️

[@chewsingh2745]

I'm 25 and make about 115k/yr and somehow feel like she has more money than me

[@Victoria-bo9xk]

Chew Singh wtf. What's your job??

[@chewsingh2745]

@@Victoria-bo9xk I'm an obstetric nurse practitioner at Lehigh Valley Medical

[@slaiyfershin]

That pays that well!?! Wow.

[@willinton06]

Chew Singh and what do you do? If it isn’t too much to ask

[@chewsingh2745]

willinton06 I'm an obstetric nurse practitioner at Lehigh Valley Medical

[@dwichiesa]

You do you! Debt loves everyone

[@ptproc]

Props to you grl...you get wiser as you grow older. Her salary is small but she is out on her own and trying to do well. Kudos to that. I hope you get a full time job soon and wish you well!

[@EASJR1991]

If you pause the video at 2:50, you will see that she has a deposit going into her account for $1,100. I guess that explains how she's able to spend so much money despite the fact that she makes a very small salary and she spends more than she said her budget and her available disposable income is.

[@annette4594]

Not even the cupcakes at Whole Foods are that expensive smh

[@naonao7473]

when bad choices meet low income , u can literally take 10 darts , close your eyes and throw them at that sheet of paper that has her expenses , and u'll for sure be able to cut 9/10 of the ones you hit

[@elinat2414]

“My car is an essential part of my daily life because it helps me save a lot of money on transportation...” girl....you live in NYC. Driving is one of the most expensive ways to get around. Catch the subway, bus, walk, bike, scooter. Literally any option is cheaper than driving.

[@angeliemorano]

There’s no way that all of that was $325... Like cupcakes were $71, tires were $151, metrocard $130, and chick-fil-a was another $151. Please do someone who actually sticks to the budget! This is not someone who is living on $15k.

[@zhaskio2175]

I'm 16 and in high school. These videos are really educational. I hope I make 100k a year one day or even more

[@ellietenenbaum3486]

Way too many indulgences for somebody with barely any income. Her debt is just going to continue to grow.

[@IshanAli]

Love this realistic overview

[@LydiaMae2002]

I definitely feel blessed after watching this because my parents were able to buy me and my siblings cars that were as much as her salary each. I never really thought of some of the stuff that they give/pay for since it’s always been like this but I never realized how lucky my family is to be financially stable as we are. I just hope that if I ever start a family I’ll be able to give what my parent give. Like I will have the degrees I want without debt because of my parents. They’re the best and I hope I can be like themm

[@Chakawatever]

Seeing how far she makes her money go with only $15k, makes me want to take a look at my spending. I definitely live beyond my means

[@aviefern]

FFS, this is depressing. I'm a young salaried worker in India, and my finances are in much better shape than hers. I didn't have money to spare for a long time, so I didn't take a vacation for more than 4 years. I still don't have a car and rough it on public transport to save money. How do people with no money and so much debt go on vacations and shopping all the time. It's insane!

[@Circusshark]

$15000 a year?! In NEW YORK?? Sis how

[@phatlychee]

she came for my neck when she said "he's a libra they don't listen"

[@kristen21023]

GIRL, you need to talk to a financial advisor! Develop better spending habits and get out of this MESS! (and dump your bf)

[@AidenB018]

She is such a nice friend tho!! She goes big with for gifts

[@anthonyomisorecanfixit]

That boyfriend is horrible, he overdrafts his account, meaning he has bad money management skills and makes her pay for it. That's messed up.

[@aftertaste05]

lol! This is hilarious! How do you live in New York, have a car, spend $250-$300 a month on a car, and spend an ADDITIONAL $150 on EZ Pass? Sis needs to sell that car and get herrself a Metrocard. And NEVER EVER spend $71 on cupcakes. At least her rent is only $350.

[@pearl_lisha896]

Looks like she needs to call Dave Ramsey and get a wake up call

[@micahanderson89]

Slightly annoying how she laughs after every explanation like, is this a joke to you ? 🤣

[@HB-ey2dk]

Those charges are MUCH more than $350, am I missing something? Lol. I make a few times more than she does and I don't even spend that much.

[@InvestingBookSummaries]

Nice of her to share.

[@Prairiedrifter1]

Spend less money on fast food and meal prep see the savings

[@heyitsjujuu]

I live in OC, making 19k/year, 26, and I'm studying at my last semester CSUF. So this definitely accurate.

[@isisathena5237]

I put my savings in a different bank so I can't transfer it immediately. It takes at least a day to transfer funds, so it isn't easily accessible. I just pretend like that money isn't there.

[@emilynelson6502]

I really like these! Keep ‘em coming

[@ScarlettJ1221]

15K is alot of money if you live with your parents

[@veliciahiley7652]

ScarlettP She lives in a shared living space.

[@kon4lyfe460]

i think he's trying to say she shouldn't have moved out

[@veliciahiley7652]

Kon4lyfe If you keep waiting for the perfect time to be independent, you will never move out. So 👏🏼👏🏼👏🏼 to her.

[@Discotraxx16]

Live with parents and pay rent to them it doesn't really take you far

[@Knoxus99]

@@veliciahiley7652 I think its hard to justify moving out with so much debt. If she didnt have the high interest cc debt and she wanted to move out and pay tolls and all that then I would say do you.

[@Quirkney]

Making more money won't fix bad budgeting. I wish Glamour offered to set her up with an adviser to teach her skills that high school should've set her and everyone else with (as a thank you for sharing her story).

[@CloudTribe]

This made me very sad :(

[@JadoreChocolat]

This lady’s money management reminds me of myself if I’m being honest. I make more money than her but had to change my habits so I didn’t end up spending most of my residual income on CC debt. She’s spending waaayyy more than she earns which means she’s racking up debt!! I’d recommend she gets honest with her friends about what she can afford, cut her take out spending to once or twice a month MAX. And take that money to pay off her smallest debt first!

[@jazminsilva464]

Definitely need to do this in other other states like Florida and Georgia and California

[@harshitmadan6449]

She represents US government. Spending like no tomorrow.

[@Sanity016]

I make about 2k/month at a full time job I spend about $250 at starbucks, $200 in gas and $300 in fast food. there are definitely places I could save money.

[@heyitsjujuu]

"He's a Libra, he doesn't listen." SAME.

[@okaysoanyways2645]

Ugh AND she's a zodiac sign worshipper.

[@swagmassa6702]

Why would you move out of your parents house when you make 15k a year..