Welcome toMoney Diaries , the place we’re tackling what is perhaps the final taboo going through fashionable working girls: cash. We’re asking millennials how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.
This week, we’re trying Money Diaries from individuals throughout the onset of the vacations. Today: an administrator and govt assistant who makes $52,000 per 12 months. She spends a few of her cash this week on a bandana for her husband.
Occupation: Administrator/Executive Assistant
Industry: Tech & Semi-Conductor Facility
Location: Austin, TX
My Salary: $52,000 plus $6,250 annual bonus
Husband’s Salary: $29,000
Paycheck (2x/month): $three,120
Housing: $1,480 mortgage. It’s me, my husband, and our two canines. We’ve owned our dwelling since June and are hoping to refinance to a 15-year mortgage as soon as my husband has a full 12 months of job historical past.
Loan Payments: $980 whole for my automotive, my husband’s automotive, and my husband’s motorbike
All Other Monthly Expenses
Car Insurance: $180 (mixed)
Cell Phone: $90
Solar Power: $158. We simply obtained photo voltaic put in at our dwelling!
Vivint Home Monitoring: $90
Hulu & Netflix: $20
Health Insurance: $32. My firm has GREAT insurance coverage and the vast majority of that is FSA contribution.
401(ok): $160. My firm matches four%, so I contribute that quantity. I obtained a really giant inheritance final 12 months after the deaths of my grandma and my father (inside three weeks of one another). It has all remained invested because it was beforehand and can function the majority of my retirement. Based on projection, I will be capable to retire, fortunately, earlier than I am 55.
7:15 a.m. — Stop for gasoline on my strategy to work. I knew I ought to’ve gone over the weekend, however I actually hate doing so for some purpose. (I are inclined to experience it out till I am genuinely afraid my automotive will die.) Ideally, I would drive a extra fuel-efficient car, however I like my SUV and all of the house. Our canines match comfortably, and as soon as we now have youngsters, it’s going to match the entire household. Plus, as soon as the Model three is on the market, we’re getting one for my husband, and that may ease my gasoline mileage guilt. $42.67
9:45 a.m. — H-E-B affords curbside pickup for groceries and it’s superb. I am going on-line to their web site and order our groceries for the week. They cost greater than in-store costs, however because it retains me from impulse procuring, I’ve saved fairly a bit in the long term. I select hen, shrimp, floor turkey, mushrooms, romaine, tortillas, 2% cheese, waffles, Lunchables, enchilada sauce, buffalo sauce, different produce, wine (DUH), paper plates, new Holiday glade plug-in refills, and Skinny Cow ice cream. I pay for all the pieces and I will choose it up on my means dwelling. $97.25
11 a.m. — Lunchtime! Everyone in my division goes to lunch at 11 a.m., one thing that took getting used to once I began this job in June. Now I am unable to think about consuming any later and at 10:55 — my tummy is growling. I stroll the quarter-mile from my constructing to the onsite cafeteria and flick thru the alternatives. It’s underwhelming, so I go for the deli line. I get a turkey-chicken wrap with avocado, baked Lays, and a bottle of water. Lunch is expensed as a result of my firm deposits $30/month onto our badges to be used within the cafeteria; additionally they match the $30 I contribute, so I find yourself with $90/month for less than $30; it is an awesome deal. It’s virtually the tip of the month, so I’ve about $22 left. Only yet one more day and I will get one other $30, so I am not nervous. ($four.75 expensed)
2:15 p.m. — I ought to be taught that once I get the deli line meals, I all the time find yourself hungry within the afternoon. If it weren’t such a protracted stroll, I would go choose up fruit or a more healthy snack, however that stroll is brutal and it is unnecessarily scorching and humid right now, so merchandising machine it’s! I get Goldfish crackers and eat them at my desk whereas I browse the web. $zero.75
2:45 p.m. — I like my job and the individuals I work with however to be trustworthy, I might do my job in 20 hours every week or much less. I’ve expressed this to my boss and he is engaged on getting me extra to do. Until then, I spend the vast majority of my day looking the web and getting paid good cash to do it; could possibly be worse! I find yourself on Wish, a procuring website that is my weak spot. Everything is so low cost and I’ve all the time appreciated what I’ve ordered. My sister-in-law’s birthday is the day earlier than Thanksgiving and she or he has wished studded-heel booties for some time; I discover the pair she likes for half the conventional value and add them to the cart together with cute kitchen devices I can put in my mother’s stocking. I additionally add a candy necklace for my husband’s grandmother and a necklace for my sister-in-law. I take pleasure in shopping for Christmas items early! Makes me really feel forward of the sport. $36.75
three:15 p.m. — We are internet hosting our first Thanksgiving this 12 months and I’m decided to make it stunning. My greatest associates are flying down from Dallas (sure flying — that drive is actually the worst) and that has elevated our visitor rely to 10. I solely have eight cute napkins and serviette rings, so I am going to Target.com and order yet one more set of every. I additionally determine to order cute wifey and hubby espresso mugs as a result of I am a newlywed and am a sucker for all issues husband/spouse. I browse all their vacation collections however determine to attend and go in particular person with my husband. $47.50
5:30 p.m. — Made it to H-E-B and so they needed to substitute a couple of gadgets, however fortunately the value distinction was tremendous minimal. They load all the pieces in my automotive and I head dwelling. I am greeted by my candy husband and our two cute canines. I pour a glass of wine and sit on our terrace whereas they run round and play. I activate the grill as a result of tonight we’re consuming grilled buffalo hen sandwiches. My husband brings all the pieces out so I can maintain taking part in with the pups. They’re each rescue canines and are really the sunshine of my life. Anything I can do to make them comfortable fills my coronary heart with a lot pleasure. Of course, this implies they get among the cheese I am placing on the hen. Spoiled doggos. $1.72
9:15 p.m. — As we prepare for mattress, my husband mentions that he needs he had extra bandanas for work. He solely has two and he hates sporting them a number of days in a row. His job is all handbook labor and the bandana helps maintain him heat when it is chilly in addition to serving to accumulate sweat in his exhausting hat. I inform him to order some however he jogs my memory that I am the one with the Amazon Prime information, so I hand him my telephone and locations the order. We mixed our funds lengthy earlier than we have been married. I’ve all the time made more cash than him, however I additionally spend considerably more cash than he does, so it has by no means bothered me to mix issues. I typically really feel responsible as a result of he ALWAYS asks earlier than he buys issues and I by no means do. I do not know if that’ll turn out to be a degree of competition as soon as we’re out of the honeymoon section. Time will inform. $15.42
Daily Total: $242.06
7:30 a.m. — On my strategy to work and working a bit late so I take the toll route. I am attempting to chop again on how a lot I pay the toll, nevertheless it makes an enormous distinction in time. I additionally am all the time okay taking the toll when my husband and I carpool. We aren’t carpooling right now although as a result of it is HALLOWEEN! Trick-or-treating begins at 5:30 p.m. in our neighborhood. I will not be dwelling by then, however I wished my husband to get again in time to start out handing out sweet. It’s our first Halloween with trick-or-treaters and we’re so excited! $2.77
11 a.m. — Lunchtime. It’s Taco Cantina Tuesday: two tacos, rice, and beans. I stay up for Tuesday lunch each week! I nonetheless have cash on my badge, so it would not value me something.
2:30 p.m. — I stroll to the cafeteria and choose up a bit container of fruit (additionally coated by my badge). I proceed to stroll across the website and eat my fruit. It’s type of chilly and drizzly, however I am sporting the best jacket and it would not hassle me.
5:55 p.m. — My husband calls and tells me concerning the teams of trick-or-treaters coming down our road, and home on our cul-de-sac became a haunted home. He additionally says he was a bit heavy-handed with the primary few teams and we’ll want extra sweet. I cease at Walgreens and choose up two extra massive luggage. I get Reese’s as a result of that is what I’d need and I absolutely intend to take pleasure in some. I additionally choose up a bottle of purple wine as a result of all I obtained from H-E-B yesterday was white wine and it is chilly out. $27.40
9:30 p.m. — We blew via 5 giant luggage of sweet tonight and nonetheless needed to flip our porch mild out early. It was a lot enjoyable. We sat in our entrance room and performed Jenga, drank purple wine, and passing out sweet. Our canines have been lower than happy that they could not give kisses to each little child, however they managed to get a couple of in. We take pleasure in a couple of items of sweet and head to mattress.
Daily Total: $30.17
7:25 p.m. — Taking the toll right now as a result of we’re carpooling. I take pleasure in using to work with my husband as a result of it offers us an opportunity to talk and maintain fingers. I all the time drive so I am a bit distracted, nevertheless it’s nonetheless good to start out my day with my hand in his. $2.77
11 a.m. — I all the time go to lunch at 11 on the dot. If I might go at 10:55 to beat the push, I’d — however that appears a bit too keen. It’s the primary of the month so I put $30 on my card. I get within the pizza line, which is notoriously lengthy and gradual, however the pizza is nice and definitely worth the wait. Twenty-five minutes later, I am sitting down for lunch. My division all the time has two to 4 tables pushed collectively and we eat as a gaggle. It’s such a pleasant change from my final job the place I’d eat alone at my desk. $30
5:25 p.m. — The day flew by as a result of I had a day stuffed with conferences. I wasn’t capable of do any web procuring, in order that’s for the perfect! On our means dwelling, we determine to go to a recreation store and choose up Reaper Minis, little recreation collectible figurines which are usually unpainted. I am not going to make use of them, however I will take pleasure in portray them with my husband. He plans to make use of them for when he performs Dungeons & Dragons. He’s a gamer and I am not, however we discover small methods to do issues collectively and portray little warriors sounds enjoyable. We will order the paints on Amazon tonight. $26.40
7:30 p.m. — We sit down for dinner and look via Amazon to search out the best paint set and place the order. After, we curl up on the sofa and watch Game of Thrones. We completely missed the bandwagon on this present however determined to start out watching it and now we won’t cease! We watch two episodes earlier than mattress. Lights out earlier than 10. $37.61
Daily Total: $96.78
7:30 a.m. — Not carpooling right now, so I cease to get Starbucks! Venti iced soy chai it’s. My husband calls whereas I am driving to work and we chat concerning the episodes we watched final evening and alternate theories about what we expect will occur. $5.52
10:30 a.m. — A pal of ours works at a neighborhood restaurant and messages me a few wine evening occasion they’re having. She is not working that day and desires to see if my husband and I wish to be a part of her and her boyfriend. Tickets are $30 every and embrace snacks and wine. She sends me the hyperlink so I can purchase our tickets. These associates are our solely “couple” associates and we actually take pleasure in hanging out with them. I am trying ahead to this subsequent week! $60
11 a.m. — Thursday is construct your personal pasta day, however I am not feeling it. I go for a salad and a giant cup of soup. The whole is lower than $5 and I am very happy with my selection. I sit with coworkers who’re principally speaking about work right now. I am an admin for a division of engineers and do not need a lot to contribute. I’ve no clue about what their jobs entail, however I am attempting to be taught so I might help them extra.
four:05 p.m. — My husband sends me a message with a hyperlink to a Christmas tree on the market on Facebook Marketplace. Our home has vaulted ceilings and I informed him how a lot I wished a tall Christmas tree this 12 months. I additionally talked about how bummed I used to be that they are all so costly. The hyperlink he despatched is to a 12-foot tree for less than $225! I am offered and so excited. It’s an awesome value and can look gorgeous in our entrance room. We plan to place our previous, dinky, five-foot tree in our den. Two Christmas bushes to embellish; I can hardly include my pleasure. I inform him how comfortable I’m and thank him for even trying. I message the vendor and agree on the value. We will choose it up Saturday morning. I am going to the ATM onsite and get the money. I am glad USAA reimburses ATM charges in any other case I would be irritated by the $three charge they cost. $225
5:30 p.m. — We each loved that purple wine from Halloween a lot that I cease and choose up one other bottle; we’re watching extra GoT tonight. When I get dwelling, I dance across the entrance room daydreaming concerning the large tree that might be right here quickly. I begin to marvel if it will be bizarre to have it up for Thanksgiving. My husband says sure, however that we are able to put it up the day after our Thanksgiving feast. I agree and cry a couple of comfortable tears. My husband is an unbelievable one that appreciates my childlike pleasure round Christmas. $10.07
10:15 p.m. — We are about to bathe once I discover we’re virtually out of cleaning soap. I inform Alexa to order extra. We purchase it in mega-bulk so, this may final at the least six months. Technology is superb. $15.12
Daily Total: $315.71
eight a.m. — TGIF! I forgot my waffles at dwelling, so I stroll over to the cafeteria. I am not feeling the greasy breakfast tacos, so I get combined fruit and a Cherry Coke Zero. It’s again to being overly scorching for November and I am irritated that I am sweating once I get again to my desk. Really glad I went for the fruit.
11 a.m. — A coworker asks if I wished to go offsite together with her right now for and I settle for. I hardly ever do that, so I do not really feel dangerous about spending the cash. We go to Freebirds, get nachos, and compensate for the newest work gossip and talk about upcoming workplace strikes. It’s going to be very hectic for us each, however I am trying ahead to having new workplace furnishings. She’s trying ahead to shifting to the principle constructing as a result of they’ve WAY higher bogs. (Unfortunately, I will nonetheless have our previous, outdated bogs with horrible AC.) $eight.75
three:45 p.m. — I have been fairly busy till now. With completely nothing to do, I proceed to browse all the web. I want this have been the type of job I might go away early from on Fridays however this it is not. I miss the schedule of my final job — and actually nothing else.
6:30 p.m. — It’s Friday and I do not really feel like cooking dinner. I persuade my husband to get Mexican meals and margaritas. We head to our favourite place and get seated immediately (a part of why it is our favourite). We share queso, I get a fajita soften, and he orders chimichangas. We each get two margaritas. It’s expensive, however we do not eat out a lot and actually take pleasure in margarita date nights. $87
eight:30 p.m. — We get dwelling and ponder watching GoT, however the tequila makes us really feel detached about sitting round and watching TV. Instead, we play with our canines, sit exterior laughing, and have time. We ultimately go upstairs and at last fall asleep round 11 p.m.
Daily Total: $95.75
9:30 a.m. — It’s Saturday! I get up after greater than 10 hours of sleep and I really feel superior. I throw on comfortable garments and head to my mother’s, stopping at H-E-B and choose up bagels and smoked salmon. My mother lives about 20 minutes away and it is nice to have the ability to spend time together with her so recurrently since we’re shut. Today, we plan on sitting on her new sofa and dealing on the Thanksgiving menu. She’s an awesome prepare dinner and I respect any steering she will supply. $9.75
2:45 p.m. — After spending the morning planning Thanksgiving, I take a nap at my mother’s. I get up a bit earlier than three and determine to go dwelling.
6 p.m. — My husband convinces me to order pizza for dinner and Dominos is on the best way. We begin one other episode of GoT whereas we look ahead to our meals to reach. I pour a glass of wine, end it a bit too rapidly, and throw warning to the wind and pour one other. When the pizza arrives, I give them a $5 tip. We chow down, snuggle up, and binge watch till I am unable to maintain my eyes open anymore. Lights out round 11:30 p.m. $32.15
Daily Total: $41.90
eight:30 a.m. — Wide awake and preparing for brunch with my greatest pal. We by no means get to do that as a result of she all the time works on Sundays, however she’s off right now. I am so excited to meet up with her.
11:30 a.m. — We go for a bottomless mimosa brunch buffet since we plan on being right here for some time and getting our fill. She is aware of a number of individuals who work right here, so nobody will thoughts that we plan on holding this desk for at the least three hours. When it is lastly time to move out, I pay for each of our meals and drinks. She’s been going via tough instances and I am comfortable to cowl it. $65
three:30 p.m. — My husband calls to ask once I’m coming dwelling. He wakened with allergic reactions from hell and will use tissues and meds. I inform him I am coming dwelling now and can cease at Walgreens. Poor man! Allergy season in Austin is horrible. So, I get him the nice Puffs (with lotion), allergy meds, and his favourite sweet (Sour Patch Kids). $12.15
5:30 p.m. — Husband is feeling higher and we determine to take our canines for a stroll. We lived in flats for thus lengthy and now that we’re in a home with an enormous yard, we neglect how a lot our canines love going for walks. We contact their leashes and so they can not include their pleasure. We stroll via the neighborhood for about 45 minutes and speak about our plans for Thanksgiving and Christmas. Our household is native and we now have household within the DFW space additionally. I hate the drive up, however he thinks it is foolish to fly. I counsel that he drive and he alters his tune! He to take a look at flights after I clarify I’ve loads of miles to cowl it.
7 p.m. — We are searching for flights and notice there aren’t any good instances to ebook with miles and the costs are steep, nevertheless it’ll a lot much less hectic that we ebook it anyway. I did not even notice we might get a flight dwelling on Christmas Eve at 7 p.m. Now I am attempting to of how to share the vacation spirit with the flight crew working that day. I am additionally grateful for our associates within the DFW who’re letting us borrow a automotive throughout our brief 24 hours there. $530.48
9:30 p.m. — I say it is bedtime and my husband will get grumpy as a result of he REALLY desires to look at yet one more GoT episode. I remind him that tomorrow is Monday and we each sigh and talk about how a lot we want we might simply be stay-at-home canine dad and mom. That’s the dream!
Daily Total: $607.63
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