An OnlyFans star is in debt after splurging the £2 million she made on the platform – but she still won’t quit.
Annie Charlotte made headlines after revealing she was making a killing on the adult content site, capitalising off of the rare condition she has, uterus didelphys – which means she has two uteruses, two cervixes, and two vaginal canals.
The 27-year-old estimates she has become a multi-millionaire as a result – but has lost all of her money, and more, trying to keep up with the extravagant lifestyles of fellow OnlyFans creators.
Now, she is £100,000 in debt after dropping money on pricey nights out, holidays and designer clothes – all in an attempt to keep up appearances.
“I’ve made about £2 million from my two vaginas – and I don’t have a penny of it now,” Annie, from Surrey, told Need To Know.
“I didn’t buy a fancy house, I didn’t buy anything extravagant.
“I have a car, but I don’t even own it.
“I don’t own anything in my house – not even my TV, it’s still on finance.
“I didn’t spend the money on anything grand.
“Technically, I did buy a bunch of holidays, designer handbags, and designer clothes, but the clothes don’t fit me anymore and the handbags I barely use.
“Honestly, I just spent so much money.
“I was living with this mentality of, ‘It’s fine, the money’s coming.’
“I was always living a week ahead – I’d make the money, but before it even hit my account, I’d already spent it.
“Some weeks I’d think, ‘Don’t worry, I’ve got £10,000 coming in,’ but I’d be spending £12-sometimes even £15,000 before that went into my account.”
It became a slippery slope for Annie, who borrowed money from her mum and friends, before racking up huge credit card bills.
She added: “I was basically living on credit, but in my head it was fine, because I was making so much money.
“I kept telling myself, ‘I’ll just pay it off’.
“What I didn’t realise was that I never kept track of what I was spending, and I just overspent so badly.
“In total, I probably have around £100,000 of personal debt.
“And honestly, I do feel like my success played a part in that.
“But the real reason is that I was naïve.
“I was 22 and suddenly making stupid amounts of money.
“I was a free-school-meals kid – we didn’t have much and my mum worked her ass off to give me everything she could.
“So when I started making real money, I suddenly thought, ‘Well, I’m rich. I’m loaded. Let’s go everywhere. Let’s do everything’.
“I’d spend £5,000 on a night out because my friends wanted to go clubbing.
“I was just dropping stupid amounts of money.
“Then came the fancy holidays, because all my friends were making loads of money too.
“I went to Mykonos, then Marbella, and then back to Mykonos in the same summer.
“Between the three holidays – once you add up flights, spending money, and everything – it must have cost me £30-40,000, maybe even more.
“I did that every summer.
“I kept spending ridiculous money on holidays like it was nothing.”
Trying to keep up with fellow creators in the adult industry was another motivating factor for Annie when it came to splashing the cash.
She said: “My industry friends were making even more money than I was, and I was trying to keep up with them.
“I was trying to keep up appearances.
“Once you get into that lifestyle, you feel like you have to.
“You see people on TikTok saying, ‘Oh, I make £20,000 a day, here’s what my life looks like’, and you start getting sucked into that mentality.
“You start competing.
“And all of it was going on credit cards.
“It eventually caught up with me, especially when the money started going down because I wasn’t working as hard.
“But now, I’m working a lot harder because I’ve realised I need to pay all this debt off.”
These days, Annie describes her lifestyle as “minimal”, saying she is “just trying to survive and get back on track” after the years of splurging.
But while people may expect it to be enough to put her off of OnlyFans, Annie has no plans to quit.
She said: “I don’t have any plans to change my career.
“The thing is, I have the potential to make good money, and I do make decent money.
“I just have a lot of things to pay off.
“What people don’t realise is that your business costs don’t change.
“My business costs have always stayed the same.
“I still have to pay editors, I still have to invest in content, and I still have to cover all the expenses that come with running my page.
“It’s not just profit – there’s a lot that goes out before anything comes in.
“I need a house because I need a place to film.
“I have to pay rent so I can work.
“There are just so many things that add up.
“But no – I absolutely do not plan to change my job.”
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