cover of episode Rejected Baby Mama Cant Survive Without A Man | Financial Audit

Rejected Baby Mama Cant Survive Without A Man | Financial Audit

2024/6/24
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Financial Audit

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People
C
Caleb
专注于提供金融教育和资源,帮助人们实现财务自由。
R
Rachel
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Rachel: 我是一名23岁的单亲妈妈,年薪69400美元,居住在达拉斯。我的财务状况很糟糕,主要原因是债务问题,包括信用卡债务、汽车贷款、学生贷款和医疗账单等。过去一年里,我花费了大约1万美元用于纹身,这加剧了我的财务困境。我和孩子的父亲共同抚养孩子,并分担孩子的费用,但他没有提供足够的经济支持。我经常光顾星巴克等场所,消费习惯存在问题。我了解自己的财务状况,但我没有采取任何措施来改善它。我考虑申请儿童抚养费,以确保获得稳定的经济支持。 Caleb: Rachel的财务困境并非完全由前男友造成,她自身的消费习惯也存在问题。她将钱花在纹身而不是偿还债务和为未来做打算是不明智的。她购买汽车的方式不明智,利率过高。她用信用卡支付汽车首付的行为是不合理的。她对信用卡的运作机制缺乏了解。她本可以避免使用信用卡支付纹身费用。她的信用卡利息费用很高。她的消费习惯存在问题,她经常光顾星巴克等场所,并使用Uber Eats等服务。她应该减少不必要的开支,并逐步偿还债务。她应该制定预算并控制支出。她可以考虑找一份兼职工作来增加收入。可以通过出售汽车并获得个人贷款来减少债务。如果她的父亲帮助她偿还债务,她应该关闭所有信用卡账户。她应该优先偿还高息债务。

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