20-Year-Old Shopping Addict Faces Monstrous Debt | Spendaholics | Only Human

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They don’t come much cheekier than Tommy. This 20-year-old bank clerk is a self-confessed shopping addict. In the two years since he started working, he’s managed to land himself with a credit card debt of £14,500, a monstrous debt which is eating up his modest take-home salary of £10,000. Tommy’s passion for the high life has plunged him deep into the red.
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3 окт 2024

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Комментарии : 502

@HollyTheExploder 2 года назад

To be honest, not wanting to dig up childhood trauma and be therapised on camera is completely normal.

@mandydeane5824 3 года назад

I nearly never watched this but I am so glad that I did. This is the best episode that I have ever watched. Not only is Tommy likeable but he took on board all the advice and embraced the difficulties in his past with his emotions and how these affected his spending habits. The respect he showed his mom he didn't whine or blame her and his mom took accountability fantastic! I wish him all the best with the attitude and fortitude he showed I think he will go far in life.

@sanboyce 4 года назад

Tommy has done really very well for himself since this program. Rock on Tommy.

@turtleanton6539 9 месяцев назад

Very nice 😊

@wendy6512 10 месяцев назад

To say when he was hungry didn’t want to ask his mom for food because it put to much pressure on her had me in tears God Love Him he’s a lovely young man

@laminage 13 дней назад

When he as a young Man Chris Kirkpatrick of N'Sync was part of a program where he would get a free lunch because he came from a low income family. His father abandoned him and his mother struggled. he wouldn't eat it. he would work after school and give a chunk of his money to his mother. He got rejected for the backstreet boys but did well in n'sync. Sadly his career never took off like Justin Timberlake's.

@QuantumKitty 4 года назад

I love how everyone in the comment section wants to see this man succeed! 👏

@tommymcnally1513 4 года назад

Love the postive response guys really means a lot ❤️

@scoopitywoop 4 года назад

@@tommymcnally1513 do you believe you were portrayed accurately in the show?

@maryapatterson 3 года назад

Even after 10 mins you could see he had a good heart and lots of potential. Thats why people are so overjoyed at the news of his success now.

@maryapatterson 3 года назад

@@tommymcnally1513 You were just trying to be a good child and not trying to place any more burdens on your mum. Your heart was in the right place.

@Unchaise 3 года назад

Idk why he seems like an airhead

@johannaelizabeth4644 4 года назад

If we could all go back and stop ourselves from how much money we spent on bad fashion trends....

@cherieroatz4233 4 года назад

I know! If only we could do that! :)

@maryapatterson 3 года назад

His mother is the sweetest. I am so glad she got help too.

@lafillenoir 4 года назад

One of the most positive transformations I've seen on this show. He's a young lad but he really seems to have taken everything on board and was really serious about getting rid of his debt and getting a better job to facilitate that. He's done far more growing up in his 20 years than some men twice his age. He also seems to have a lot of love and respect for his mother, and isn't afraid to show it. I hope he's doing well for himself now, wherever he is in his life.

@Biancaviolin 4 года назад

I always wonder with these old episodes where the people are nowadays. Were they able to pay off their debt? Are they happy now?

@hibkoko 4 года назад

Biancaviolin a quick search shows his LinkedIn profile! He looks like he’s back on track👍🏼 good for him!

@Biancaviolin 4 года назад

@@hibkoko Oh my, you're right, why haven't I thought of googling?! Feels forbidden :D So interesting, I hope he's right on track financially nowadays! These episodes feel so old but still are so relevant, it's amazing...

@hibkoko 4 года назад

Biancaviolin I know what you mean! I looked up someone else from another episode - she too was very young when the programme aired and I was interested to see how she was now. Looks like a lot of the people on the show do turn their lives around and most actually start their own businesses! Good for them!

@buzzweebee8685 4 года назад

In one of these videos, the guy from the show is in the comment section chatting with people. Telling them how it all worked out.

@palmtree2k8 4 года назад

facebook.com/profile.php?id=100003487047266 his fb profile! I think

@Terri_MacKay 4 года назад

"I can't afford it, but my credit card can." Yeah... that's not how credit cards work. 😂😂

@daCubanaqt 11 месяцев назад

Sadly, it is how credit cards work until the bill comes. That’s the problem with them!!

@annalieff-saxby568 10 месяцев назад

And that, boys and girls, is why I no longer have any. Once burned, twice shy.

@Terri_MacKay 10 месяцев назад

@annalieff-saxby568 Got rid of mine years ago. And I know quite a few older people who have gotten rid of theirs, and a lot of younger people who have just never had one. Smart!

@carolinependleton8445 3 года назад

What a lovely lad,hope everything goes well for him,he deserves it.

@cherposton8242 4 года назад

He really seems like a nice young man. I hope he's doing well.

@jenjones90 4 года назад

He has worse vocabulary than my 5 year old niece and his sister is even more dumb than him...and his mum is fooling no one saying that she is the one who "left" her "partner"....they are the type of family the world doesn't need.

@cherposton8242 4 года назад

@@jenjones90 I'm pretty sure you, with your imperious attitude is the one who has the real problem. based on what you posted you are a real homegrown dirtbag. No one needs your judgmental bullshit. Go have several seats and whe. you decide to be on tv let us know so we can judge your stupid ass.

@jenjones90 4 года назад

@@cherposton8242 he was probably spending his money on something that looks a bit like....and his mum is a tart who no one wanted.

@jenjones90 4 года назад

@@cherposton8242 by the way "Cher"...you meant to say "are the one" not "is the one". You sound so much like this bloke.

@elenawilliams32 4 года назад

@@jenjones90 Oh Sweetheart, Whom do you think you are? No one cares about your revolting and narrow views. I hope you find some real friends and loved ones as you sound bitter and twisted. He's under 25, his frontal lobe hasn't finished developing in this film, what's your excuse?

@susanjensen4678 3 года назад

I'm so glad that he did so well for himself. He seems to be such a good person.

@mohammadal-drees3106 3 года назад

He’s such a smart and a good kid at heart! Everyone makes mistakes, especially when we’re this young. I realise that this is an old show, so I’m hoping that he’s grown into a good man. 🙏🏼

@okthen1028 4 года назад

Lmao he looks so 2000s

@Del-Canada 4 года назад

Yea, this is an older show. I am guessing 2006 or 2007. Judging from the prices and lack of mobile devices in the hands of everyone.

@CardsbyMaaike 4 года назад

@@Del-Canada they look at mail delivery slips 2005, i always look at tv's and computers too, cars, they're all old episodes, but still current for some reason.There's so many more people in debt

@neen42 4 года назад

Most of us did then!

@okthen1028 4 года назад

Trent err did I say it’s a good or bad thing?

@princessjen99 4 года назад

I think the check for the internet spending, with the clocks, showed 2003

@evebaker4740 3 года назад

One of my favorite episodes! So many people hear wisdom and don't follow it, but this young man is so smart and saw the value in the teachings...he can achieve anything!

@ayasensei5709 8 месяцев назад

This therapist is correct. Those who have shopping addictions (or any types of addictions) have deeper mental issues.

@puppies4everthefam233 4 года назад

Tommy kinda looks like a really young Mario Lopez from “Saved By The Bell”.

@lanalee8634 4 года назад

Agreed!

@Salmiyaguy1 3 года назад

more like a member of N'Sync.

@konbini2004 3 года назад

You must be blind. He looks more like screech lmao

@toby43078 3 года назад

No way...Tommy is much sexier..

@tanjahorvatserbiaoldslavsh4685 3 года назад

He stuttering when he's nervous. A mature hardworking caring man.

@BOLLOCKS1968 3 года назад

Tommy is very likeable. I think he got tired of being responsible at a young age and said sod it. Hope he did well in his life! Cheers ✌

@leeannemcphee601 2 года назад

What a beautiful family, this young man is now right on track. I love the practical side Jay brings these people on THEIR level, and Ben hits it right on the head of the underlying problems.

@Luna.3.3.3 4 года назад

I've seen almost all the episodes of this series. I think Tommy and the results make this my favourite one. Good for Tommy. I bet he's doing really well now .. & deserves it!

@tommymcnally1513 4 года назад

Thanks 😄

@Luna.3.3.3 4 года назад

@@tommymcnally1513 Heya! Just wondering how/what you're doing now? If you don't mind me asking ...😊 Greetings from Canada 🇨🇦

@CM-vs5cj 3 года назад

What a complete sweetheart honestly if anyone deserves to be where they are today in 2021 it’s him

@maggiemay97 4 года назад

I’ve watched many of these shows lately and I don’t understand why the banks/credit card companies didn’t shut off the cards when people run up debt that exceeds their low incomes.

@zuzanaxyz8866 4 года назад

Maggie May Because they don’t care - the more money you owe them ani the more they can get out of you through interests, the better...

@triggahappyyt5420 4 года назад

The banks sell these debts to debt collection agencies.

@bialarcrais1763 4 года назад

I dont have or want a credit card I domt want the temptation at all

@celestialcircledance 4 года назад

Credit card companies don't like trustworthy people who don't make them money . I hear they call us deadbeats which is fine by me !

@princessjen99 4 года назад

I had the same problem after high school. The credit card applications came rolling in and the garnishments started...good lesson though!

@denisdbell 4 года назад

I love the holistic approach to analyzing why this individual was in debt.

@MalonsMilk 6 месяцев назад

What a wonderful son Tommy is. A really nice guy and I hope he made it. The love for his mum is real and his sense of responsibility for her is so sweet and wonderful. I hope him and his mum are both doing well and are happy.

@1985SJW 3 года назад

Big respect to him! Just goes to show that anyone can change for the better if they put their mind to it.

@marci3659 4 года назад

Well done Tommie...I don't think he's a hopeless case...far from it...he's had an emotional breakthrough with his mum and money...and growing up.

@meetoo2330 3 года назад

I was really moved when I saw him tell his mother that he loves her so much. He really appreciates all she did for him even at such a young age. Most young adults don’t get a sense of how much their parents do for them until they are older. Years later it’s great to see that he has done so well for himself!

@Irene-gq4jr 4 года назад

Great turnaround, hope he has stuck with it. I can identify with growing up too quickly (strict, penny-pinching household), then broke student, then spending like a drunken sailor once I started earning a decent salary. Never unmanageable debt but never saving anything. Life is better when you have contingency plans.

@lorrainebennett7528 3 года назад

Never seen this episode before but I knew that Tommy would be ok, he just had that special spark!

@noreenwhiting9530 3 года назад

Loved it and admired him.. So much. He was brave at his age to do this program.. Respect.. Wish you a, strong journey in life

@airportdocumentaries 4 года назад

That's nothing. Most 21 year olds are in £40,000 debt after graduation 🤣

@nailah.7796 4 года назад

Except he doesn't have a degree to show up for it

@fiveelms2011 4 года назад

Not the same thing lol

@zuzanaxyz8866 4 года назад

The exchange rates back then were different, I remember £1 was more than 2€ back then, so his debt would probably be around £30000 nowadays .

@wvcjshdsocjsj4477 4 года назад

Zuzana B. More like £20k. Euro was weaker back then and pound was a lot stronger. The mess that is Brexit has devalued the pound greatly.

@konbini2004 3 года назад

Credit card debt and student debt couldn't be more different. Student debt has no interest and you don't have to pay it back until you earn over 15k. Credit card debt has awful interest rates! If you ever need to borrow money, go to the bank for the best rate. All credit card companies are awful. Also back then before torys hiked tuition fees it was rarely over 9k for student debt, now the better the uni the more you have to pay 🤢🤢

@MN-xw2qo 4 года назад

32:05 It makes sense. You just had to read that poem on the wall in the beginning. So sad to see children who bear the responsibilities and burdens of their parents at a young age. Tragic still the lasting impact of absent parents on their abandoned children.

@lisbetsoda4874 2 года назад

What a sweetheart. Such a good son and young man.

@leadaniel4236 3 года назад

I love how much he loves his mum ❤️ they seem like such a nice family, bless them ❤️

@k_tubbs 2 года назад

I extra enjoyed this one. He really wanted to change. And he's so young. You can tell he really is smart and mature but his spending got away from him. But he's showing that intelligence and maturity by asking for help and following the advice he's asked for.

@Sacheen81 7 месяцев назад

So proud of Tommy and I don't even know him. What a remarkable young man. I hope he stays on track and lives a long, happy life!❤

@JP-ve7or 11 месяцев назад

I know everyone wants to keep this spending issue about personal responsibility and family trauma, but it was WILD the way banks were handing out credit cards to young adults before the 2008 recession.

@B_Bodziak 4 года назад

I wonder if Tommy thought they were going to swoop in and pay off his credit cards if he appeared on the show

@createwithkas Год назад

Wow! My favorite episode to date! I know it’s been a couple years but I pray that Tommy is doing well! Such an absolutely delightful gentleman showing growth and kindness. Love this series!

@Zoritos64 4 года назад

I'm convinced that the psychologist is a robot

@ceciliajohnson8812 4 года назад

I like Benjamin Fry! I think his input is crucial and fascinating.

@buzzweebee8685 4 года назад

He isn't a psychologist

@Zoritos64 4 года назад

@@ceciliajohnson8812 Oh I don't dislike him, his mannerisms are just very cold and robotic.

@terenia27shandy95 4 года назад

Totally agree

@tommymcnally1513 4 года назад

@@Zoritos64 it was his contribution that i was most disappointed with. He tried to imply i was angry at my mum when i told him how much i loved her. The show has a format that they need to justify with every participant even if sometimes there is no deep physiological reason for spending

@TheLovelySheri 4 года назад

I thought it was Mario Lopez for a solid second before clicking on the link.

@MooiMeissje 4 года назад

Sheri same here that’s why I clicked on it lol

@alexg3348 4 года назад

I was the same at his age, spending on different things but still wasting it all away. A good cautionary tale. Good story for Tommy.

@julskechap 3 месяца назад

I checked him social media and hes doing pretty well sctually. Well done tommy

@AM09286 4 года назад

Back when cider was £1.50 a pint 😩😩😩

@greenpenguin7877 4 года назад

It's only £2 a pint at the spoons in Croydon, which is where they were I think.

@AM09286 4 года назад

Green Penguin Jesus 😂 I’m paying £5.50 in bloody Bethnal Green

@futuregirl8803 4 года назад

I don't pay a penny my auntie is the barlady /manager 🍻

@greenpenguin7877 4 года назад

@@futuregirl8803 weird flex.

@futuregirl8803 4 года назад

@@greenpenguin7877 😁😁😁😁don't be jealous/bitchy, I can only drink two pints before falling over anyway

@asimb2455 3 года назад

This is so 2006! The clothes, hairstyles 🤣🤣😂 I remember those checked tops jeeeez a blast from the past

@elebea868 4 года назад

He is adorable. He seems to need some guidance, maybe a male role model.

@dakine4238 2 года назад

Such a sweet young lad. Hope he's doing well.

@B_Bodziak 4 года назад

I was wondering "how can he spend 359 pounds a week? He only makes £10,000." Then, I realized: credit cards.

@thomers2451 Год назад

Don’t you understand the premise of this tv show

@monicanath4859 3 года назад

What a lovely lad. I hope he continues to do really well.

@blackcoffy83 4 года назад

He seems like a nice young man but making poor spending choices. I'm glad he saw the light and changed his ways. I hope he's still doing well :)

@celestialcircledance 4 года назад

I love him . What a transformation !

@jenwaddell9632 4 года назад

Tommy is a good kid. Hes just a lil lost right now. But hes got a good mum n i think hes been taught good morals n has a good foundation. He is fuckin up right now, but i really think he will get it together and he will become a pretty good man. I wish u the best Tommy. I believe u can do it. U are a talented smart young man. U can do it!! Keep your head up and just keep trying to do the right thing! God bless u and your sweet family!

@tommymcnally1513 4 года назад

God bless you for such a nice comment 👌

@traceyparish7403 3 года назад

Lovely guy. I wish him luck. He will make a great dad when he older and settled

@Fletacarling 3 года назад

He’s married now and is very well off!

@traceyparish7403 3 года назад

@@Fletacarling that's really nice to know. Sweet lad. Great to know he has done well.

@thesparklingunicorn8543 2 года назад

Tommy I'm so impressed how you managed to come out the other side and paying off your debt hope you're dept free now

@zenlife321 9 месяцев назад

Really loved watching the way he changed and moved himself forward. Beautiful outcome ❤

@Jen-jo5qu 2 года назад

It's amazing what a bit of guidance and encouragement can do to help someone. What a change!

@oscarzepeda1558 3 года назад

Wow !!!! this was a good one !!!! got me a bit emotional when Tommy started to cry with his mom..... I hope they are doing well !!!

@ilove6kies 3 года назад

You know, watching this I can relate so much. I’m pretty much the same age as him and I used to be in debt (not as much a s he was because my parents bailed me out a few times) and I’m happy to read other comments that he totally turned his life around.

@arlenehutchinson9259 3 года назад

Tommy!Tommy!! Tommy!!! Cheering you on !!! I know he succeeded 🙌🏾🙌🏾🙌🏾🙌🏾👏🏾👏🏾👏🏾👏🏾🥂🍾

@vindheimar2631 4 года назад

I have a problem with it all the mother´s fault not the father who left.....

@aprilstrongquill2019 4 года назад

Exactly Tommy grew up to fast n now that he has access to cash he wants a lot of boyish things that he wasn’t able to get back when... I can relate I did the exact same thing when I was 8 my mother left my father n stuck me with 5 sibling younger than I 2 in pampers I had to learn to cook n clean to take care of my younger siblings so when I was older n started making my own cash all I wanted was to party n act like a child it took a lot of years n some pretty harsh arguments between myself n my own children. That one time my boys told me it feels like they were the parents and I was the child, that really hit home n made me feel very awful I drank hard for another week lmao then I quit cold turkey. It’s been 8 yrs sober n straight my boys are grown, working, n starting there own families n I’m so glad to be here to be able to see some grandchildren n hopefully great grandchildren.

@pinkpotatoes9849 9 месяцев назад

Benjamin often suggests that spending is associated with anger and punishment. I feel that my situation suggests sadness.

@mardcon2002 3 года назад

Tommy I hope you are doing the best. You did a full 180 and I hope you are at your best know. One of my favorite episodes.

@carolspencer468 4 года назад

Its all a front with him, he's a sweetheart. If he has accumulated debt I think its a rebellion because he has felt like he had to grow up too young. He'll be fine, what 20 year old lad didn't overspend and pimp it up?

@gingermacphee7290 2 года назад

I wish they would keep doing this show it really helped me get my act togather and really pushed me to become debt free

@novera.tambunan Год назад

Thank you for helping this financially troubled young man. God bless

@קרקור 5 месяцев назад

It’s scary how much the world changed since this show was filmed. Today this guy would be a youtube phenomenon and make loads of money off filming his soccer gear and watches.

@Klaudia22489 4 года назад

Good kid, just needed someone to guide him in the right direction although, blaming the mother was not only unnecessary but also distressing for Tommy, all to make the episode a little more "appealing"

@tommymcnally1513 4 года назад

This was the only negative part of the experience

@ourstyleminute 4 года назад

There’s at least a bit of the young Tommy in all of us. The new Tommy is brave and I think both folks helped him at a crucial time in his life. So glad he saw the possibilities that life could offer him!

@Elketjeable 3 года назад

What an inspiration he is.. Beautiful spirit..

@joytoyouandme4593 4 года назад

It’s difficult when your put in an adult place while still a child. This kid has the personality to go far, wonder where he is today.

@Probity100 4 года назад

See my post for an update

@joytoyouandme4593 4 года назад

KrisKris Kris Thanks Kris- Glad to hear he has done well for himself. I wasn’t sure about him when the show started, but he really applied himself during the show. He has obviously recognized his talents as he matured-

@jamnbryan1 3 года назад

16:11 $1 for chicken and chips. boy have times changed...

@alamedadanceparty 9 месяцев назад

So happy for him! Her really turned around! One of the best episodes! Love how he sold one of his watches to bay back his debt. Go Tommy!! I think that visual cake metaphor really had a big impact combined with all the work done. So chuffed for him! He should be so proud of himself!!!!!!

@icreatedanaccountforthis1852 4 года назад

How much butter did he put on that sandwich?! Dear lord.

@helenweb 4 года назад

I Created An Account For This it wasn’t butter; it was lemon curd!

@icreatedanaccountforthis1852 4 года назад

@@helenweb Ah well that's a relief.

@Brooklyn-rj3np 2 года назад

Ok this is one of my favorite guests. Lovely young man. Refreshing

@photosynthetics7865 4 года назад

Aw he’s so cute :) wonder what he’s doing now!

@maryapatterson 3 года назад

What is a shame is that there are alot of lads like Tommy who just somebody to believe in them and show them alternatives like the go karting.

@robertpaynter5965 4 года назад

I thought this was a saved by the Bell inside look.

@johannaelizabeth4644 4 года назад

Right the thumbnail looks like AC Slater!

@drinxs505 4 года назад

We all know what happened to screech when that show ended

@freya1136 3 года назад

£1 chicken and chips what a bargain

@natevic1867 3 года назад

Spent the same way as a kid As an adult you get panicky when you hear about people who spend outside their means. Like seriously.... how can you go through life without saving anything?

@mazybee9149 5 месяцев назад

Well done Tommy! You were so great 😊

@rosari3165 Год назад

Good lad…wishing the brightest future for him

@AlbinaFromKz 3 года назад

50 cent, eminem in 2000s 😭❤

@sailorhill1085 4 года назад

I thought that was slater for a minute

@TrashedCasper 8 месяцев назад

bro is hating on the liquid gold that is cider 0;

@millbillygirl765 11 месяцев назад

I like this kid, and I wish him well

@marriettaharrison6266 2 года назад

The music selections are hilarious!

@jeffreysmith8062 4 года назад

Wish they would do updates on these people because it has been several years now.

@kr9896 3 года назад

They are playing Cleaning out my closet in the background 😂

@obiwann785 10 месяцев назад

Ahh what a lovely man. All the way through I was thinking he should get into coaching, has the right personality. Hope he and his mum are doing well!

@Sunny.79. Год назад

What a nice young man, I hope he's doing well 😊

@ohwhatworld5851 3 года назад

A very emotionally intelligent lad. And he is hot. I am glad that he has turned his life around and is now a millionaire apparently.

@TenorCantusFirmus 4 года назад

Never wanted a credit card, and after having seen some episodes of this show I'm even more convinced about my choice. I have a debit and a prepayed card, and I'll stick with them, much better avoid being tempted. I might be a tad bit drastic, but who knows...