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- Thirty four year olds Paula and Jermaine make a good living earning a combined $140,000 annually, which should be enough for them and their toddler, Marcus, to live on comfortably. They have made the decision that both Paula's parents - one who lives out-of-town - act as the daycare and often nighttime providers for Marcus, with one continuous half week chunk where they do not see Marcus at all, all in a supposed effort to cut costs. Especially during that time, both Paula and Jermaine overspend on their indulgences - sometimes individually, sometimes together - neither which includes stuff for a real life, such as a home, as they live in a cramped apartment they hate. Their "rewards" as a couple (i.e. without Marcus) seem to be their first priority, which has gotten them into a $40,000 debt load so far. They are financing everything on high interest credit, with even their consolidation loan at over 30% interest. Gail suspects they are substituting shopping for a life, more importantly a quality life with Marcus. Gail shows them the money they are wasting not only on their bling, but on the high interest repayment of debt. She also shows them that they have to plan for their future away from that apartment, and start building a network of friends in their area, people who they can socialize and do things with besides shopping and eating out.