Bertha Bhasin's Coin Calamity
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- Bertha owes her landlord rent on the first of each month, and today is June 16, so she is more than 2 weeks overdue! As for her credit bill, it seems Edgar was right, which is at $1350 for the month, more than $700 over her maximum amount, but Bertha already bought the tickets and booked her hotel, so it is too late to cancel.
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- Bertha Bhasin
- I'll pay them right after the trip is over, I really don't feel like doing this now...
- Holy cow! My rent is almost overdue! And my credit bill is insane!
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- Yeah, it's been great! Thank you guys so much for coming. We should totally do this again!
- By the way Bertha, I left my wallet in the room, can you cover the food tonight?
- Elise, Savannah, I'm so glad I came with you guys! This has been so fun.
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- Oh, sure, no problem.
- Over the weekend the girls were in New York, they went to the movies, shopped until they dropped, ate out, did karaoke, and toured the city. Bertha spent a total of $3500 on the trip and with hotels, taxis, and air travel.
- She comes back to realize she spent WAY too much in New York, and can barely pay off all her bills. Her current credit interest rate has risen to 20.99%
- What am I going to do? My bills are through the roof! I can't pay this all off!
- I'll talk to Edgar!
- She has close to $5000 in total expenses to pay off!
- I think you should talk to a professional, there's a financial advisor at my work named Lia. She's great, and having an unbiased opinion can help you a lot.
- It's ok Bertha. You were excited, but next time you shouldn't blow off your finances like that, or it could become worse than this.
- What do I do? I can barely pay off any of these bills!
- I'm so sorry Edgar, I should have listened to you when you were right.
- Bertha talks to Edgar for advice, not knowing who to go to about her increasingly worse financial situation.
- Lia also recommends that Bertha plan out when she needs to get bills submitted by, which she can manage by using the budgeting app Mint. She also said that Bertha should make sure her leisurely expenses stay to a maximum of $700 in order for her to manage her money in the best way possible.
- I'm having some financial trouble, I might have overspent a lot over the past month, and I need a better way to manage everything.
- I'm going to suggest a better credit plan as well, like the Scotiabank Value Visa Card that has lower interest rates per month, and an annual fee of only $30.
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- Well, I'm here to help! From what I can tell, your credit score is not looking too good. You seem to pay your bills later than you should, and only pay the minimum amount for credit bills. Not to mention your interest rate is 21.99%, which is 8% more than it should be.
- This is Bertha's new financial reality of budgeting, saving, investing, and planning.
- Bertha will not spend more than her maximum of $700 a month on leisurely expenses in order for her to remain financially sound.
- Over the course of this month, Bertha has learned not to spend like her friends do, because she has a different lifestyle and income compared to her them.
- She will not go every week to the salon with Savannah, and she will pay her bills on the designated dates she decided from her budgeting app Mint, so that her expenses don't pile up.
- She decides that she will put 10% of her money into an investment fund called a GIC, with 2.85% interest, and earning around $4000 a year
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