I was reluctant to appear on Bank of Mom & Dad at first because my mom and brother signed me up for it without me knowing.  I was really self conscious to be on a television show that revealed so much about my personal struggle with finances because it is such a sensitive and private subject for most people.  I was desperate for a change though and I was having a hard time over the past year as to how to even start making the change. I have always been very financially responsible my whole life until the past year.  A lot of things in my life had changed so fast and I wasn’t able to keep up financially with all of these changes which lead to me getting in over my head with bills.  I was stressing myself out so much about my finances that I was getting sick to my stomach almost every day. I felt so helpless. Then Farnoosh and Bank of Mom & Dad came along…

I have made some positive changes since the show which are keeping me to stay focused in the right direction.  Before the show I had a HUGE problem with constantly overdrawing my bank account. I was getting slammed with the $35 overdraft fees each time I took money out and then when my paycheck came, half of my paycheck was repaying my bank for the overdraft fees and the money that I didn’t have in my account but was borrowing. That left me with half of a paycheck all the time which made me even more behind in my bills. I have not overdrawn my account since filming the show which was a really big change for me that I am extremely happy about. No more partying for me anymore like I had been which has helped me to also keep my account above negative! I am able to pay my bills on time now and I have started to also make payments on my largest bill that was in collections. I had been ignoring their constant phone calls for months and since the show I was able to face the problem, pick up the phone and work out a payment plan with them.

My love/hate relationship with my car-I’m sure you are all wondering what happened with that. Before the show I was never going to ever even consider selling or trading my car in for a less fancy car. I thought I made myself clear to EVERYONE on the show about that! This car was my dream car that I felt I earned because I had such good credit when I bought it. As time passed and situations changed, the car payments were so expensive for me to afford on top of my other bills- but I still did not care, I was never giving up on this car. After going to the dealership on the show and listening to what Farnoosh and the salesman told me about my car loan I realized that I needed to let go of my car. I have not sold my car yet but I have looked into a lot of loan options with my bank and a financial manager at a local car dealership so I know what direction I need to take. Unfortunately getting out of this loan is not as easy as it sounds so this is something I am still working on but I am now open to making a change when before I would not think twice about it.

The really good news is that I got off my brother’s couch and found a place on my own.  My brother and I are both very happy about that because it was putting a big strain on our relationship. And speaking of relationships, I am still single with a capital S, haha, and I am planning on staying single until I get my finances completely under control. No more mooching off my boyfriends!! So sorry Jesse Metcalfe, I hope you will wait for me! I know there are some haters out there that think going on the show was a bad choice for me, but in the end, I am glad I did it and feel lucky I had the opportunity to because I got the help I needed to change my life around. Without the support and help from my family and friends, Farnoosh and everyone at Bank of Mom & Dad, I would be in an even worse financial state today so I just wanted to say a huge thank you to everyone and let them know how much I appreciate their help!

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