Cullen and Katie: Shifty eyes and constant lies | Part #25

[lmmomSD]

Those pre-made Costco meals aren't cheap! The chicken alfredo is a lot more expensive than making it from scratch or even using jarred sauce. Alfredo sauce really isn't that hard.
They go for convenience every time. It's nuts since they are both home and supposedly trying to save money.

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[formerctfxcer]

Katie’s newest IG post is embarrassing. She’s confused that her Clorox wipes say they kill the coronavirus since the coronavirus is “new”.

I don’t expect everyone to be an expert on infectious diseases but a quick glance at Wikipedia would give her the answer. Not to mention she has a PhD in a scientifically based field...she should know how to use her brain and answer her own simple questions before making a fool of herself on social media.


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[Romeoxsavexme]

If they want out of the house they are going to have work with the lender on a short sale. At this point their credit is already ruined so they might as well do it. These two think this is all a big joke. A short sale would get them out of the house and they can start over and work on the other debt.


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Or get a real job??!! Omg. If they had both gone back to work in January think of how many thousands they would have saved now. In addition to all the videos they’ve put out they might have made enough to cover the $20k closing costs. At this point I’m praying they have to declare bankruptcy. They are not facing reality and they deserve to hit rock bottom. Maybe then they will see it.
They are like alcoholics who are in denial. (Which is ironic since they also have a problem with alcohol. Lol.) But they aren’t doing everything they can. They are trying to maintain their lifestyle while making tiny almost useless accommodations.
Katie picking pre made Costco meals when she’s home all day with no kids?! Yeah that’s healthy. I’m sure ramen is just as healthy for 25 cents.

Even if they both got jobs they definitely wouldn’t be saving money. They aren’t serious about getting out of debt. They would see that they would be getting a raise and more income and just keep spending above their means.


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[HelloSweetie]

I’m not watching. Can someone fill me in on the loan conversation?


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[chloe6124]

It’s true if they went and got jobs for just six months they could probably dig themselves out of this mess. Why doesn’t Cullen do Uber or something where he can make his schedule. Grocery stores need delivery people to deliver groceries also. Both of those things would still allow them to make a few videos a week. He seems like a guy that likes to interact with people and both those would allow him to do it.


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[Honest B]

They are beyond ridiculous and immature. They say "whatever" about their house being picked up. Why isn't their house just picked up anyway? They are HOME ALL DAY. Just clean up after yourself as you go. It's not that hard.

And how do they STILL not know what their finances are and not know what they can counter with on an offer? They are so stupid with everything they do. They are now worried about taking out a loan to cover closing costs ... last week they wanted to spend $5K on "updates". WTF? They did actually apply for that $20K loan. IDIOTS.

And now they have another water leak.

Someone commented that they are due for a big blessing. OMG. They have already HAD blessings and they squandered everything and continue to do so. Everything is an emergency for them because they don't plan for anything.

Cullen looks like a walking talking VIRUS.

[ZzzCupcakes]

I’m not watching. Can someone fill me in on the loan conversation?


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They had an offer on the house that was enough to cover their mortgage but not the closing costs, and the buyers couldn't come up any more in their offer. So they thought about getting a personal load to cover the extra $20k, and were immediately turned away from the bank the realtor recommended and told to try a credit union, who ran their info through the pre-approval software. Unsurprisingly, they were not approved for the loan. Except it took them about 20 minutes to explain this.


What I found interesting was they mention another unofficial "lowball" offer they bartered back and forth with the sellers on before realizing they weren't going to agree on a price. Having dozens of showings with only 2 lowball offers to show for it after 8 months really highlights how overpriced the house is.

As a side note: I really wish they understood that selling the suburban would save them over $1000 a month, and that alone should be worth whatever inconveniences being a one car household would be.

[kaper]

Cullen has looked poorly for the last month. I think if they were willing to sell the Suburban or get at least part time jobs, the family might be more inclined to help them out. Right now, all anyone has to do is tune into their videos and realize they aren't really serious about helping themselves.

[WatchinTheWreck]

If they want out of the house they are going to have work with the lender on a short sale. At this point their credit is already ruined so they might as well do it. These two think this is all a big joke. A short sale would get them out of the house and they can start over and work on the other debt.


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Or get a real job??!! Omg. If they had both gone back to work in January think of how many thousands they would have saved now. In addition to all the videos they’ve put out they might have made enough to cover the $20k closing costs. At this point I’m praying they have to declare bankruptcy. They are not facing reality and they deserve to hit rock bottom. Maybe then they will see it.
They are like alcoholics who are in denial. (Which is ironic since they also have a problem with alcohol. Lol.) But they aren’t doing everything they can. They are trying to maintain their lifestyle while making tiny almost useless accommodations.
Katie picking pre made Costco meals when she’s home all day with no kids?! Yeah that’s healthy. I’m sure ramen is just as healthy for 25 cents.

I thought the same thing. If they both went back to work, Katie using her degree and Cullen part time around the kids schedule, they could do YouTube on nights and weekends, really hustle, and they could have saved up a ton of money and been able to cover those closing costs, get out of the house, and be able to start paying down that debt VERY quickly.

Something else I thought of. Grandberry said she is selling her house, I wonder if the plan is for Katie and Cullen to buy it.

[WatchinTheWreck]

Cullen has looked poorly for the last month. I think if they were willing to sell the Suburban or get at least part time jobs, the family might be more inclined to help them out. Right now, all anyone has to do is tune into their videos and realize they aren't really serious about helping themselves.

I truly believe Cullen sees and feels the full weight of this situation. I bet he is totally for making drastic changes and Katie won’t let him.

[Ducklings4]

Unfortunately, at the present time, they cannot get second jobs. They will have to wait until the quarantines are finished and businesses get back up to normal. I think the same with Uber/Lyft driving. I thinking that will be suspended. Publix has stopped their delivery service where I live. We have a neighbor who is immune compromised so we had to shop for her because Public canceled delivery service right after she placed her order.
Glad they are saving/spending on birthdays parties, but they don’t have $20k for closing costs. Did they say the pump was covered by a warranty? She can justify all she wants. Birthday parties are just not in their budget right now.

[mollybaby]

Cullen has looked poorly for the last month. I think if they were willing to sell the Suburban or get at least part time jobs, the family might be more inclined to help them out. Right now, all anyone has to do is tune into their videos and realize they aren't really serious about helping themselves.

I truly believe Cullen sees and feels the full weight of this situation. I bet he is totally for making drastic changes and Katie won’t let him.

Yeah I agree. What I don’t understand is why he doesn’t speak up and take control of their situation. It’s clear that Katie is in full control, but why is that? Why is he so afraid to speak up? She has some sort of hold over him and I think it probably has to do with the fact that he was abusing drugs. I think she uses that against him.
However, she’s been harming their life as well by being in full control of their finances and screwing everything up. She was letting credit cards rack up, she wasn’t paying the mortgage, IRS, car tags, she was spending outrageous amounts on shopping, parties, eating out. Was he aware they had no money? Was Katie acting like bills were being paid and everything was ok?

If Katie wants to take on the roll of the nerd, she needs to take full responsibility for keeping Cullen in the dark regarding their financial situation. I think she’s still keeping him in the dark about a lot of things that have to do with their finances.

They are both equally responsible for messing everything up but if Katie wants to justify things, Cullen needs to start taking action, regardless of what Katie thinks or says. He seems to be feeling the stress far more than she is. They have a very strange dynamic and something is really off between them.


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[lmmomSD]

It’s true if they went and got jobs for just six months they could probably dig themselves out of this mess. Why doesn’t Cullen do Uber or something where he can make his schedule. Grocery stores need delivery people to deliver groceries also. Both of those things would still allow them to make a few videos a week. He seems like a guy that likes to interact with people and both those would allow him to do it.


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I've been saying that all along. With the Suburban, he can do Uber Plus, which makes more. And airport runs. I know people who make good money doing it just part time. And with the virus, all the grocery delivery services are needing people. I have done Postmates and Uber Eats in the past, and they are still running right now. So is Instacart. It means less people in the stores. But people taking less trips means less Uber business.
But no. They would rather complain about lowball offers and try to get loans with the credit rating that they destroyed.
I just want to shake them. I can't imagine how their family must feel. I'm getting help from family right now, because I got laid off. But you can bet that if I wasn't out looking for work and doing everything I can to cut back and save, the help would dry up fast.
Maybe if Cullen isn't feeling well, he should cut back on the booze...
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[angelfire89]

Unfortunately, at the present time, they cannot get second jobs. They will have to wait until the quarantines are finished and businesses get back up to normal. I think the same with Uber/Lyft driving. I thinking that will be suspended. Publix has stopped their delivery service where I live. We have a neighbor who is immune compromised so we had to shop for her because Public canceled delivery service right after she placed her order.
Glad they are saving/spending on birthdays parties, but they don’t have $20k for closing costs. Did they say the pump was covered by a warranty? She can justify all she wants. Birthday parties are just not in their budget right now.

Why would a company cancel delivery service? Most delivery companies are probably making a pretty penny right now and most are also offering low/no contact deliveries. If there’s fewer people in the stores, there’s few people to come into contact with and it seems better for everyone. Seems like a bad move on Publix part.

[chloe6124]

Unfortunately, at the present time, they cannot get second jobs. They will have to wait until the quarantines are finished and businesses get back up to normal. I think the same with Uber/Lyft driving. I thinking that will be suspended. Publix has stopped their delivery service where I live. We have a neighbor who is immune compromised so we had to shop for her because Public canceled delivery service right after she placed her order.
Glad they are saving/spending on birthdays parties, but they don’t have $20k for closing costs. Did they say the pump was covered by a warranty? She can justify all she wants. Birthday parties are just not in their budget right now.

Why would a company cancel delivery service? Most delivery companies are probably making a pretty penny right now and most are also offering low/no contact deliveries. If there’s fewer people in the stores, there’s few people to come into contact with and it seems better for everyone. Seems like a bad move on Publix part.

Probably because the shelves are near and they can’t fulfill orders. That should stabilize the next couple of days as people stop stocking up.


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[chloe6124]

Unfortunately, at the present time, they cannot get second jobs. They will have to wait until the quarantines are finished and businesses get back up to normal. I think the same with Uber/Lyft driving. I thinking that will be suspended. Publix has stopped their delivery service where I live. We have a neighbor who is immune compromised so we had to shop for her because Public canceled delivery service right after she placed her order.
Glad they are saving/spending on birthdays parties, but they don’t have $20k for closing costs. Did they say the pump was covered by a warranty? She can justify all she wants. Birthday parties are just not in their budget right now.

Why would a company cancel delivery service? Most delivery companies are probably making a pretty penny right now and most are also offering low/no contact deliveries. If there’s fewer people in the stores, there’s few people to come into contact with and it seems better for everyone. Seems like a bad move on Publix part.

Probably because the shelves are empty and they can’t fulfill orders. That should stabilize the next couple of days as people stop stocking up.


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[Honest B]

I think Cullen probably is stressed but I also think he drinks or smokes or whatever it is he does ... too much. That, or he's NOT able to use whatever he uses. So withdrawals are setting in. Katie is a control freak but also an immature idiot so that's not much help. Maybe Cullen is realizing Katie is NOT the "smart one".

How embarrassing that other YT family is offering them a "free" vacation. Those parents WORK outside of YT. They both have degrees and they are optometrists. The husband served in the military. These are people who WORK. C&K are in the situation they are in because they are lazy and spoiled. I would be embarrassed to continue to take handouts. They have no shame.

[lovingthisforum]

They got an offer on the house that would have made them EVEN on the house! The only reason they didn't accept the offer, of which I cannot believe how unwise that is, is because of their estimation that closing costs would be $20k. I think this is too self-centered and short-sided. Your needs, Katie, are unrelated to the worth of the house, in principle closing costs are on you and should at least not be a deal breaker.

It only shows how truly desperate they are. I was thinking the same that they could ask her parents or sister but that the rift could have been over money so this wasn't an option. Then the reason the more they should sell the SUV, how much would that bring: $5k, 10k, 15k?? OR that she already asked her dad for advise combined with asking for money but he DECLINED so they had no choice but to opt for a loan, realizing the importance of the sale in the back of their minds. The reason they don't sell the car might likewise be that they are upside down or would break even. Maybe they are in such a dire situation that they were forced to make this unwise and short-sided decision, the sooner they sell, they save $2k per month on rent.

Though one thing's for sure, they are absolutely on their own, no financial support from Katie's family anymore. (Couldn't Cullen have asked his mom?) I think this got the whole debt disaster thing rolling in the first place. Good that her parents said enough is enough, one day, forcing them to change their lifestyle and starting to clean up their mess. Still, selling the SUV would have brought them a couple of times the profit of not having to pay $900, they could have at least started in December, add Gaines' gymnastics and it's more. If Katie would have been honest or genuine and have taken ANY sacrifice plus had informed and included Cullen earlier, and maybe the closing costs would have been $18k, I think they could have sold the house. I don't know her parents but maybe if they would have seen how hard she tries, they would have been inclined to lend them the last $5k needed.

[WheresMyCoffee]

I’m not watching. Can someone fill me in on the loan conversation?


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They had an offer on the house that was enough to cover their mortgage but not the closing costs, and the buyers couldn't come up any more in their offer. So they thought about getting a personal load to cover the extra $20k, and were immediately turned away from the bank the realtor recommended and told to try a credit union, who ran their info through the pre-approval software. Unsurprisingly, they were not approved for the loan. Except it took them about 20 minutes to explain this.


What I found interesting was they mention another unofficial "lowball" offer they bartered back and forth with the sellers on before realizing they weren't going to agree on a price. Having dozens of showings with only 2 lowball offers to show for it after 8 months really highlights how overpriced the house is.

As a side note: I really wish they understood that selling the suburban would save them over $1000 a month, and that alone should be worth whatever inconveniences being a one car household would be.

I am confused about this, could they not have gone down 20k in the asking price to cover that closing costs? I would rather lose a little or walk away with nothing if I was that much in debt and unable to afford my monthly bills. Whya re they so firm on the price if they cant afford the house and say they dont love it? Just wash your hands of the entire thing!

[WheresMyCoffee]

Unfortunately, at the present time, they cannot get second jobs. They will have to wait until the quarantines are finished and businesses get back up to normal. I think the same with Uber/Lyft driving. I thinking that will be suspended. Publix has stopped their delivery service where I live. We have a neighbor who is immune compromised so we had to shop for her because Public canceled delivery service right after she placed her order.
Glad they are saving/spending on birthdays parties, but they don’t have $20k for closing costs. Did they say the pump was covered by a warranty? She can justify all she wants. Birthday parties are just not in their budget right now.

Why would they cancel a delivery service? It seems like the smartest way to do groceries at the moment. You can leave the groceries a the door without even interacting with the person? and the person who works at the grocery store can wear gloves/sanitize after getting the groceries? no money needs to be exchanged, no interaction etc....