First up: a university steerage counselor who makes $59,400 per yr. She spends a few of her cash on a pretend nostril ring and an iron.
Occupation: College Guidance Counselor
Location: Brooklyn, NY
Salary: $59,400 (plus freelancing)
Paycheck (Once A Month): $three,100, plus $100-$300/week tutoring
Housing: $1,150 (Boyfriend and I cut up proportionally based mostly on revenue)
Monthly Loan Payments: None
All Other Monthly Expenses
Spotify: $four.99 (I am utilizing a bank card promo that covers half)
Metro Card: $121
Internet & ConEd: ~$100 for my half, much less when it will get chilly
Savings: $700 proper once I get my paycheck on the primary of the month.
403(b): 10% of my paycheck (pretax)
7:45 a.m. — I’m up and within the bathe at this inhumane Sunday hour. I’m heading out to Long Island for the morning and wish to begin my lunch meal prep now. I make a vegetarian candy potato chili within the slow-cooker that ought to final all the week. I’ve made a dedication to no-meat lunches for the yr for my well being and the atmosphere. (And my work meals must be kosher or kosher-passing, so veggies are a lot simpler.)
eight:30 a.m. — The trains from Atlantic Terminal are screwed up, so I schlep to Penn Station. I find yourself taking the Manhasset practice, which is fast however not on my ten-trip ticket. I purchase a roundtrip off-peak and browse my ebook on the practice. I began the Mistborn collection on the advice of a pal and I am having fun with it so much to date. $17.50
10:30 a.m. — It’s my grandma’s birthday! We exit to brunch to rejoice her 80-something years on this earth. I’m lobbed with questions on the place my boyfriend is. This brunch is final minute and he already made lunch plans together with his grandma, so he’s absent. I eat smoked salmon Benedict and chat with my cousins. Parents cut up the price of the brunch.
1 p.m. — Brunch is over and I am again within the metropolis with my winter stuff in tow. I take advantage of the second half of my roundtrip ticket. It’s approach too sizzling for my parka, however higher to have it readily available. I used to stay in a tiiiiiny residence (450 sq. toes with three folks), however I moved this summer season after I graduated and bought my first job. Now I need not use my dad and mom’ house as a storage unit!
2 p.m. — Boyfriend and his brother (our former roommate) come again from lunch with their grandma. Boyfriend’s brother actually likes boyfriend’s new footwear and pants, so we buy groceries as a gaggle to search out him one thing related. It’s good to spend time collectively; it is unusual to go from seeing somebody day-after-day to as soon as every week.
5:45 a.m. — Boyfriend’s brother is staying for dinner. We purchased hen lettuce wrap makings yesterday at Trader Joe’s however must flesh it out a bit to stretch it to a few folks. I resolve we’ll make sesame noodles to bulk issues up. We want scallions, so we cease on the (overpriced, gross) grocery retailer on the identical block as our constructing. We prepare dinner collectively and hang around; a pleasant evening is had by all. It’s enjoyable to be again collectively once more. $zero.58
10 p.m. — We watch TV and I prepare for mattress. This goes to be an insane week for me at work, and the stress doesn’t assist my sleep.
Daily Total: $18.08
5 a.m. — I’m so freaking anxious concerning the PSAT. Test anxiousness? Let me introduce you to check COORDINATOR anxiousness. I stand up, bathe, and make avocado toast for breakfast. I can barely eat one slice so the second goes to waste. I throw the final hunk of a banana bread I made in my lunchbox for a snack.
eight:20 a.m. — Metro Card swipe. An limitless card feels luxurious after holding such an in depth watch on my à la carte swipes for therefore lengthy. Read Mistborn on the subway.
11 a.m. — I wish to get a espresso however I’ve a whole lot of issues to do as we speak. I hold a inventory of string cheese in my work fridge and eat a kind of as an alternative. I’m booked strong, 9 to 5, between youngsters and PSAT duties as we speak.
12 p.m.— A child stands me up. I ship her an electronic mail asking her to reschedule her appointment as I eat my lunch. The candy potato chili is scrumptious, however it positively wants extra liquid. I find yourself consuming it with a fork.
5 p.m. — End of the varsity day. I’m going to pack up and spot the nub of banana bread in my lunchbox. YES. This is essentially the most thrilling factor that has occurred to me as we speak. Good job previous me!
5:45 p.m. — Boyfriend and I eat leftover hen lettuce wraps collectively; tasty! I must rush out and head to my sport, and he simply bought off a crazy-busy time at work. I really feel like we nonetheless by no means see one another.
7 p.m. — I play in a Dungeons & Dragons-type RPG each different week at a sport retailer. It’s a enjoyable passion and never terribly costly. It prices $15 to play and I take into account it cash effectively spent for 4 hours of play time. I usually find yourself shopping for a cookie or one thing on the retailer, however tonight I introduced an apple. We wrap up at 11 and I am pooped. I take the subway house as an alternative of strolling, and rapidly move out in mattress. $15
Daily Total: $15
four:19 a.m. — Jesus. I shouldn’t be up this early; the check is attending to me. I attempt to sleep however surrender round 5:30. I stand up and bathe whereas listening to the Myths and Legends podcast, after which make myself a slice of avocado toast. I eat half of it and put the opposite half wrapped up in my pocket to eat on the best way to work.
eight:50 a.m. — I throw out the avocado toast. It’s simply not taking place; I am too anxious. On the upside, Mistborn is getting actually good. It’s gradual progress for me, however I like having the ability to learn on the subway. One of my freelance purchasers texts me to reschedule whereas I am on my solution to work. This lady is KILLING me. She’s an excellent author however flaky and I fear that she will not get her essays achieved by the early motion deadlines.
12 p.m. — I attempt to eat lunch however there simply is not any time to sit down down. I am working round getting all the things prepared for the PSAT tomorrow. Another instructor emails me to inform me she will not be at school and due to this fact cannot proctor. This is, to say the least, an enormous situation. I attempt to hold calm and deal with it as greatest as I can. It is the primary yr they’ve had a university counselor deal with this as an alternative of an administrator, and on high of that I am new. I haven’t got any authority or any relationships constructed so getting lecturers to cooperate has been a trial.
5:55 p.m. — I depart work nearly an hour late as we speak, however I feel I am able to go for the check. On the plus aspect, previous me threw a banana in my lunchbox that I forgot about. On the best way house one other consumer texts me and I reply his questions. I’m very cautious to not cross my streams — that’s, by no means do freelance work (not even texting or emailing) whereas I am at my day job. Most of my purchasers have discovered to name or textual content me earlier than 9 and after 6.
6:35 p.m. — When I get house, I plop facedown onto my ground. I would like cheese and bread. In any combo. Today was a trial. I order pizza from the super-good (however costly) place. Boyfriend and I not often GrubHub, so it is a deal with. $22.21
7:21 p.m. — After dinner, boyfriend and I hang around when my telephone begins going off; it is my undergrad. I attempt to donate a bit bit to one thing each month, so I assume this month I will throw my alma mater $30. I had an excellent expertise there, and I do know that my poor public college is broke as hell so I do not thoughts giving them a bit bit yearly. They at all times ask for $100 which is simply too steep for me, however perhaps sooner or later I will have the form of cash to have the ability to do this. $30
Daily Total: $52.21
6:15 a.m. — I took a melatonin final evening. I am unsure I consider in it, however I do consider within the placebo impact. I sleep till 6, after which it is go time. I eat toast on the best way to the subway and put on sneakers to work. You know I imply enterprise.
9:15 a.m. — Can I put “Years of my life” as quantity spent? FIVE lecturers didn’t present as much as work as we speak, and it is chaos. Luckily, lots of people step as much as cowl the holes within the proctoring schedule for the PSAT. I am freaking out, however my workforce of school counselors is superb and helps me by.
5:30 p.m. — My workforce is superb and I like them. The check occurred. The youngsters took it. The supplies are packaged and on their approach again to College Board — and I did not even cry.
6:15 p.m. — I tutor on the aspect, doing school counseling (principally group and modifying) for seniors. I’m, nevertheless, an fool and didn’t reschedule my standing Wednesday appointment due to the PSAT. So, off to Manhattan I schlep. I am unable to learn, so I take heed to Dear Hank and John, a comedy podcast about loss of life, on the subway; it helps to calm down me. I cease at Levain to purchase three cookies after I get off the subway. $12
7:45 p.m. — This consumer is my favourite this yr. He’s actually humorous, I like his writing, and he offers me power quite than takes it. I end up with him and stroll to the subway, giving my dad and mom a blow-by-blow of the PSAT whereas I watch for the practice to return.
eight:30 p.m. — Eat leftover hen lettuce wraps and sesame noodles for dinner, and clarify the madness of as we speak to my boyfriend. I apologize for being such a stressed-out mess the previous few days, watch some TV, after which head to mattress.
Daily Total: $12
7:15 a.m. — I sleep in a bit as we speak. My supervisor advised me to return in late however there are issues I’ve to do second interval. I eat breakfast whereas my boyfriend and I talk about dinner tonight. I’ve drinks with buddies however ought to be house at a human hour.
11 a.m. — A a lot much less demanding day however nonetheless SO busy. I eat a banana as a result of I do not know once I’ll have time to eat lunch.
1:30 p.m. — A assembly with a child runs shorter than meant, so I’ve time to eat lunch. Yay, chili! I activate some music, shut my door, and eat alone.
four p.m. — I test my private electronic mail and discover out that my after-work plans have been canceled. I used to be supposed to satisfy up with grad college buddies, however we’re all loopy busy with November 1st deadlines. We punt drinks to subsequent week.
5 p.m. — I head house and share cookies with a coworker on the subway. We speak about our weekend plans; each of us have Halloween events to go to.
5:30 p.m. — Boyfriend’s brother calls and needs to reschedule dinner for tonight. My plans bought canceled so I am down. I textual content boyfriend to coordinate. I do know he is already on the subway and will not get it till he is house in Brooklyn. He’s going to be pissed that he got here house and has to show proper again round to go to Manhattan.
7 p.m. — We exit for ramen collectively. Not boyfriend’s favourite, however I adore it and it is nice consolation meals for the week I’ve had. We’re again in our previous neighborhood, and a whole lot of new issues have opened previously month or so; boyfriend pays for all of us. Boyfriend’s brother makes a stink about the truth that we made him dinner on Sunday and are paying for this, too. It’s not a giant deal to us although; we might already purchased the stuff for dinner on Sunday.
eight p.m. — Boyfriend’s brother asks if we wish to make s’mores dip for dessert. It turns into an argument about who’s going to pay for it since everyone seems to be at all times making an attempt to pay for everybody else. Boyfriend’s brother pays for the dip whereas I am on the telephone with a consumer. We all attempt to cover $20 in one another’s luggage/jackets/pockets to make a degree.
eight:30 p.m. — We eat s’mores dip and watch The Good Place. It is actually an A+ TV present.
10 p.m. — We head house and rush to tidy up the residence. The change in plans led to an explosion of labor luggage and the like throughout. I discover that there is a stray $20 invoice in my bag. Boyfriend’s brother should have snuck it in there. Well performed.
Daily Total: $zero
eight:30 a.m. — I AM SO UNPREPARED. The week has caught up with me and I am scrambling to prepare for work. I resolve that I would quite be 5 minutes late, presentable, and pack my lunch than rush to be on time. I put on considered one of my weirder/brighter/louder skirts to work as we speak. I will dip my toe into the wild wardrobe pool and see the way it goes at work.
9:05 a.m. — Listen to Harry Potter and the Sacred Text on the subway. It’s so freaking good. Get to work 5 minutes late, however I haven’t got an appointment this era anyway, so it is fantastic. My skirt goes over effectively.
11 a.m. — Consider getting a espresso however I haven’t got time. Darn.
11:45 a.m. — Eat chili whereas ready for a scholar to get their be aware signed. I am not hungry, however that is my break as we speak.
2:27 p.m. — We have early Fridays due to the Sabbath, so I am out by 1:30. I am heading to a contract consumer however I am unable to make the freaking practice connection I would like. Very annoying, however my consumer’s mother says her daughter can also be caught, so we should always get there across the identical time.
three:45 p.m. — This consumer has been killing me, however she’s a pleasant child. I am nervous that she will not make the November 1st early-action deadlines, so we schedule one other appointment for this weekend. Not my favourite factor on the earth to do, however I wish to guarantee she really has a shot at a few of her faculties.
four:30 p.m. — I would like to organize an iron-on t-shirt for a pair’s Halloween costume with my boyfriend, however we do not personal an iron. We head to Target to purchase the requirements (iron and ironing board) together with some incidentals for the residence (extra cleaning soap, a storage basket). Laugh about the truth that we’re adults who do not personal primary grownup gadgets. Boyfriend pays however Venmos me for half. We often change off paying for issues, however for residence purchases, generally Venmo is simply simpler when it is so much. $33.62
7 p.m. — Time for dinner. We do not have groceries as a result of we thought we might be out at dinner with boyfriend’s brother tonight. I make the manager resolution to make grilled cheese for dinner. Tasty and value it.
Daily Total: $33.62
7:30 a.m. — We are up and we’re cleansing. There’s a ton to do as we speak so I wish to begin off proper. This week the toilet is mine and the kitchen/sweeping are boyfriend’s. Splitting family stuff often is not too exhausting for us as a result of we’re each clear folks, however as a result of our work schedules have each been so hectic recently, issues have fallen by the wayside.
12 p.m. — The sport grasp in my typical Monday RPG is internet hosting one other sport at a unique retailer for Halloween. I name to order spots for me and my sister. I’ve to place a bank card down; she’ll in all probability pay me again for her $20 spot, however I will not harass her about it. She spots me for issues on a regular basis. $40
12:30 p.m. — Boyfriend and I head into Manhattan to have lunch with a pal who’s on the town She’s consulting in Chicago however is house for the weekend. We exit for Asian tapas. Friend is a large meals individual and we’re extra “eat at home to save money and cooking is fun” folks, so it is a enjoyable splurge to see her. She surprises us by expensing the lunch, however she has a per diem and it is a waste to not use it.
1:30 p.m. — Friend needs to attempt Pop Bars (like gelato popsicles) that are on this space. We go as a result of it is good and heat out; it is underwhelming however tasty. Probably too costly for what it’s, however our pal likes all fairly, Insta-famous meals stuff. Boyfriend pays.
three:45 p.m. — We get house and begin placing on our Halloween costumes. We organize the non permanent tattoos I purchased on Etsy, and I am aggravated to comprehend one of many ones I ordered by no means confirmed up. I really feel like I’m lacking a component and wish one thing to finish my costume, so we head out and go to some shops. I purchase equipment that I feel will spherical out the costumes. I spend over $50, however I’m going to return about half of what I purchased after I see what really works with the costume. $59.34
four:30 p.m. — We are dressed as Hipster Link and Zelda (sure, we’re enormous nerds) and are able to go. I am a lot happier with my costume now that I’ve a hat and a pretend nostril ring. We take some footage earlier than we head to our pal’s residence.
5 p.m. — We cease at a wine retailer earlier than we get on the subway. It’s our pal’s Halloween/housewarming get together and I really feel bizarre displaying up empty-handed. I pay, however boyfriend Venmos me for half. $12.50
5:15 p.m. — We get off the subway and run into one other pal and stroll over collectively. This is a pal from our month-to-month board sport evening, and we determined to do a mini-board sport evening earlier than the get together. We play Codenames and Resistance, and order pizza earlier than the get together begins. I pay for my and my boyfriend’s share. $25
11 p.m. — It is late (for me) and I’m drunk and a bit sleepy. I test the MTA and to nobody’s shock, the subways in Brooklyn are completely tousled. I take advantage of Curb to summon a cab and boyfriend and I say our goodbyes. It seems like such a splurge, however it’s price it. I am pooped. I pay for the cab, we take off our costumes, and go to sleep. We’ll have non permanent tattoos to cope with within the morning. $17
Daily Total: $166.34