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A Week In Baltimore, MD, On A $62,000 Salary

(Last Updated On: December 23, 2017)

Welcome toMoney Diaries , the place we’re tackling what may be the final taboo going through trendy 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.

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This week, we’re taking a look at Money Diaries through the (typically costly) vacation season, to see how folks save up — and spend. Today: a inventive director who makes $62,000 per 12 months. This week, she spends a few of her cash on a drone.

Occupation: Creative Director
Industry: Tech
Age: 24
Location: Baltimore
Salary: $62,000 plus fairness
Paycheck (2x/month): $1,962

Monthly Expenses
Housing: $810. I stay in a reasonably good city home with three roommates the place I’ve my very own bed room and toilet.
Student Loan Payments: $581. (I’ve $71,035 in pupil loans.)

All Other Monthly Expenses
Health Insurance: $40 every paycheck
Car Insurance: $91
Renter’s Insurance: $13.07
Utilities: ~$70
Internet: $24
Water Bill: $20
Savings: $1,300-$1,600. I am presently build up my base financial savings; a few of it’s in funding accounts as effectively. Once I hit $20,000 (ought to occur in October 2018), I plan on establishing a retirement fund and funneling extra in the direction of my loans. (My startup would not provide 401(okay) plans but; it is too small.)

Day One

7 a.m. — I am up and off the bed to prepare for work. I down a bottle of chilly water whereas making a chunk of avocado toast and a chunk of jam toast. Trader Joe’s espresso brews whereas I eat. (Their Winter Spice Blend is to die for.)

12 p.m. — I skip the corporate custom of Thai meals to go to Wegmans with my coworker for hummus. We each understand we have by no means been to Wegmans earlier than, and wander round in awe of its magic. There’s a complete vegan aisle. (I am principally vegan — not cautious sufficient at eating places to be full-on vegan — however I’m strict vegetarian!) And there’s an aisle the place you can also make your personal path combine! I am already in love. I purchase two tubs of hummus, a two-pound bag of carrots, pretzel chips, and raspberries. When I get again, I dip among the chips and carrots into the hummus for lunch. I additionally munch on blackberries from residence. $15.15

2 p.m. — I run to Starbucks with my supervisor; we go two or thrice per week. It’s a superb likelihood for me to have one-on-ones with him and be taught extra in regards to the firm. He not too long ago grew to become hooked on peppermint mochas regardless of saying he hates espresso, so I really feel like it is a large win for me. The whole is $2.39 for a grande Pike Place roast, however I’ve a preloaded card with present card money.

5:30 p.m. — On the drive residence, I must cease and get gasoline. I’ve a reasonably economical Honda that I like, and filling up the tank price will most likely final between one and a half to 2 weeks. $19.28

6:45 p.m. — I get residence from the drive. I commute to D.C. one or two instances every week however my firm pays for the E‑ZPass, so I do not thoughts it. I work a bit extra whereas making dinner, a veggie burger on toast with corn and beets on the facet. For the remainder of the night time, I work on freelance initiatives, schedule emails, and plan my Christmas present purchasing (to be finished on Friday — also called payday).

Daily Total: $34.43

Day Two

eight a.m. — Got a late begin this morning. First factor I do after preparing for the day is drink a full water bottle. Mine holds 750 mL, and I often attempt to drink a minimum of three liters a day. For breakfast, I eat avocado toast and jam toast once more, and brew espresso, which I will deliver to work in mason jar (inevitably burning myself through the drive). Every day, I take into consideration shopping for a to-go mug, however right here I’m after two months, nonetheless spilling espresso on my commute.

12 p.m. — Lunch time! My lazy, running-late lunch is hummus from Wegmans and a bag of child carrots with no matter fruit I bear in mind to deliver. I drink two extra bottles of water by the top of lunch and log my consumption into an app, since I am attempting to save lots of my pores and skin from winter.

5 p.m. — One of my coworkers leaves to purchase chips at Subway. I do not need to spend cash, however chips sound so good. I solemnly drink tea at my desk desirous about chips.

6 p.m. — I drive residence and begin engaged on freelance initiatives. I do not do them fairly often, however this one was too superior to say no to, and the extra cash by no means hurts. I hoped to make it to the health club if I completed in time, however that appears unlikely. I make dinner for the night time at residence, roasted candy potato, black beans, corn, beets and salsa. I additionally made a serving for lunch, including in quinoa and snap peas. I am attempting to maintain my spending low through the week since I’ve to purchase Christmas presents this weekend and take my automotive to the store for an oil change. My December bonus is connected to this Friday’s paycheck so it will give me a little bit of wiggle room, though I plan so as to add most of it to financial savings.

Daily Total: $zero

Day Three

6:30 a.m. — This morning sucks. It’s chilly and darkish and wet. I stroll round with blankets wrapped round me whereas brushing my tooth and checking Tinder. I stare at my goldfish for some time with bleary eyes and sip on the water. None of my avocados are ripe, so this morning’s toast is all raspberry jam. I am actually beginning to get sick of toast however I ran out of oatmeal earlier this week, which I is my traditional alternate for breakfast. I get freelance work finished within the morning, which is quiet and stuffed with espresso, and ship emails from residence.

12 p.m. — Lunch time. All my coworkers love consuming lunch precisely at midday for some purpose. I warmth up my lunch from residence and be a part of them. Even although I forgot so as to add mango salsa to my lunch, it is extraordinarily spicy, so I chug water on the velocity of sunshine, additionally throwing ice cubes in my mason jar of espresso. I spend the second a part of lunch attempting to determine what upkeep my vehicles wants because it’s near 100,000 miles, internally hating proudly owning a automotive and being an grownup.

four p.m. — Our co-working area is having a vacation social gathering at this time, which suggests free meals and booze. I graze on the vegetable plate whereas consuming a Corona. Initially, I grabbed spanakopita and a veggie sandwich too, however in an unlucky chain of occasions, I noticed the sandwich labeled vegetarian was truly turkey and needed to throw it. out. I chat with my coworkers and ultimately come out, taking among the free meals residence in my container from lunch.

eight p.m. — I sip on egg nog, eat the spanakopita I introduced residence, and watch a little bit of TV earlier than getting began on freelance work. The particular person I am doing freelance work for calls and we now have a superb dialogue about timelines. Looks like I will make it to the health club tomorrow! It begins snowing exterior, which I’m not about. People in Baltimore are already shit drivers, and this is not gonna assist.

Daily Total: $zero

Day Four

7:45 a.m. — I drive to work. Didn’t have time to make any breakfast or espresso beforehand, however I drink the workplace espresso and later have a packet of prompt oatmeal my coworker/finest pal introduced me after I complained about all of the toast.

10:30 a.m. — I go away work to select up my supervisor from the airport. The airport is simply a seven-minute drive from our workplace so we often go away our vehicles on the workplace constructing. He buys me Starbucks in change for the experience, so I fortunately sip my mocha on the way in which again to work.

1 p.m. — I had a presentation at midday with West Coast shoppers so I missed lunch. They liked what I introduced although, and my supervisor picked up a hummus snack cup from Wawa for me when he grabbed lunch. $three.73

6 p.m. — I have been engaged on our web site redesign and nonetheless have a ton of labor to do, however I need to head residence to go on a run and refresh my thoughts. I drive residence, curse at site visitors, go on a future, after which make a sandwich. During my run, I had a second of readability with how I would like the brand new web site to look, and I attempt to get it on paper. My roommate and I’ve Assassin’s Creed on within the background, and he appears to suppose it is superior. I could not even let you know what occurred. By the time the film is over, it is after 10. I head as much as my room, clear up a bit, and fall asleep.

Daily Total: $three.73

Day Five

7:30 a.m. — It’s payday! And it is bagel breakfast at this time. (One of my coworkers brings in bagels for everybody on Fridays.) My coworker drove us in at this time and we get to work by eight:15 a.m. I drink the workplace espresso, munch on my bagel ($three), and meet with my workforce in regards to the idea I got here up with final night time. They adore it and we spend the primary half of the day attempting to show the idea and iterating on it. When we current it earlier than midday, my CEO loves it, too. $three

12 p.m. — Since my coworker and I each acquired our paychecks and bonuses at this time, we resolve to deal with ourselves to lunch. We go to a hipster place that sells artisan jam as a result of that is a factor now. My vegetarian banh mi and cup of butternut squash soup are superb ($11.41). Would actually cry into my meals if it was acceptable. I deal with myself to an eggnog latte afterwards as effectively, as a result of I have not spent a lot cash all week and am actually enthusiastic about eggnog season. ($three.50) $14.91

6 p.m. — The remainder of the day is fairly regular. My workforce works on illustrations we want for the brand new web site idea. We have a gathering at 5 p.m. with a West Coast shopper that runs previous 6 p.m. When we lastly go away, site visitors is horrible and there are about 4 inches of snow exterior. While the snow is fairly, scraping the ice off of the automotive is hellish.

6:20 p.m. — During the experience residence, I get terrifying textual content from one in every of my roommates, J. Our home was damaged into this morning after all of us left for work. He got here residence and noticed the backdoor had been kicked via. They actually kicked via a fucking deadbolt in broad daylight. I am caught in site visitors for one more 20 minutes and anxious about how dangerous will probably be. J. mentioned the home was trashed.

6:40 p.m. — I get residence and there is a cop sitting on my sofa, cataloguing all the things that was stolen. Honestly, at this level, I actually simply need to test on my goldfish. Ironically, they’re the issues I care essentially the most about though I gained them by chance at a state honest for 2 bucks over the summer time. (I believed the prize was a stuffed animal, however I went residence with 4 goldfish.) I hightail it upstairs to test on them, they usually’re positive! I begin respiration simpler, though the remainder of my room is in shambles. They left my laptop, which was in plain sight on my desk, however they took my iPad, which was in a case in my bookshelf?? They took a pretend pair of pearl earrings, too. I inform the officer what was taken, and test on my roommates’ rooms. J. is the one different one residence for tonight.

7:45 p.m. — The police officer leaves, and J. and I attempt to determine what to do with the backdoor for the reason that lock is damaged and the doorframe is falling aside. We find yourself drilling planks of heavy wooden over the door to blockade it. Then, we clear up our roommates’ rooms a bit earlier than going to scrub our personal. I put all the things I personal within the washer as a result of my stuff was thrown in all places.

eight:50 p.m. — After cleansing, J. and I settle in to look at a film and drink wine. I understand I have not had dinner but, and since I simply acquired fucking robbed, I order my fave meals off Uber Eats. Take that robbers. My chilaquiles ($17.12) are costly, however no matter — they’re good and I deserve it. I’ve already finished the mathematics and understand what was stolen is lower than my deductible, so I minimize my losses. My roommates weren’t as fortunate and misplaced some fairly costly stuff. Two of my roommates who break up renter’s insurance coverage by chance wrote the handle unsuitable, and have been insuring the pizza place down the road. Darkly humorous, but additionally so shitty. We watch films for the remainder of the night time, drink, and smoke. It’s chill. We’re not within the temper for a lot else. $17.12

Daily Total: $35.03

Day Six

7:30 a.m. — I am awake and am not falling again asleep. I had a number of break-in nightmares that will simply work for a horror film. In one, the robber was nonetheless in our home, sneaking round, stealing our telephones once we weren’t trying, after which murdering us one after the other. So, yeah. Didn’t sleep a lot and do not plan on going to return to sleep.

eight:30 a.m. — I hear somebody transferring downstairs and see a textual content from J. that the owner is right here with upkeep to repair the door. They’re taking aside our helpful work first, which they had been stunned to see. Who would not board up a damaged door in Baltimore?! I make espresso and toast, whereas my landlord is wears sun shades and complains about being hungover. It’s too early to take care of this, so I’m going upstairs to handle my home crops, which want their showers. I’ve a few large ones so it is simpler to place them in my bathe to water them as a substitute of utilizing a watering can.

12 p.m. — Maintenance lastly leaves and I am off to Target with my pal. I am spending a little bit little bit of my bonus on new skincare objects. My sister began doing the double wash technique and has been raving about it, so I will attempt it, too. I purchase the Pixi Double Cleanse face wash ($24), and a range pack that features their toner as a result of they’re out of the big bottles. The tester has two mud masks and tonic toner in it, too ($22). I additionally seize a pack of washcloths for my face so I can use a recent one each two days ($three.99). I exploit my bonus cash on this as a substitute of my common price range. $49.99

12:45 p.m. — After goal, we cease in Harris Teeter to purchase groceries for the week. I get raspberries, Tofurkey, corn, peas, black beans, bananas, bread, one frozen entree, avocados, hummus, and low for $39.87. It’ll be sufficient to make it for the remainder of the week. We’re fairly hungry and cease in Chick-fil-A subsequent door for a fast snack. I get medium fries and candy tea ($three.55). It’s fairly clutch. $43.42

three p.m. — To wrap up the purchasing journey, we drop into the liquor retailer. I made a bottle opener per week in the past in a blacksmith class and have not had any bottled beer to attempt it on. I textual content J., who additionally did the category, and asks if he desires to separate. We resolve to get a range pack of Sierra Nevada as a result of we now have totally different beer preferences ($21.50 whole break up two methods). I additionally decide up a bottle of wine to separate with my different roommate, which prices $7.45 after being break up two methods. $18.20

5 p.m. — I get residence and J. actually desires sushi. I am down, so we take among the beers we simply purchased to a BYOB sushi place. It’s superior. I get two avocado rolls and miso soup for less than $11 after tax and tip. $11

7 p.m. — Friends come over and we play poker and pregame for vacation events we’ll later. One is fancy one, the opposite is ugly-sweater themed, so J. and I put on my two ugly Christmas cat sweaters along with his go well with jackets on prime and bowties. I’ve acquired a black skirt and tights on, and he wears good slacks. It’s hilarious and we run with it. We drink beer, play video games, and ultimately head out.

11 p.m. — The second social gathering runs out of alcohol and my pal desires to seize some from the liquor retailer down the road. I tag alongside; it is virtually 11 so the liquor retailer closes in an hour, and I determine I can have another beer. I seize a Modelo Tallboy for myself and one other for J., which he pays me again for. Economical, and can take me some time to drink. When I get again to the social gathering, it appears lots of people know we had been robbed and maintain asking about it. I am kinda over it and simply stick to a few of my good buddies. Around 1 a.m., I head residence with buddies, snack on a little bit hummus, drink numerous water, and go to mattress. $three.45

Daily Total: $126.06

Day Seven

10 a.m. — I get up with a slight headache and put away the final load of laundry whereas consuming water. Around 10 a.m., I head to a espresso store to give attention to work for the remainder of the day. I order black espresso and spinach and feta wrap, deciding that is the very last thing I will eat out for some time. I keep in mind that I mentioned I would begin writing Yelp opinions yesterday at sushi. J. mentioned his pal introduced him to a Yelp Elite occasion that was an open bar and buffet on a very stylish boat cruise. Apparently, it was superb. He’s attempting to get the identical Elite standing now, and we turned it right into a recreation to see who can do it first. I write a evaluation for the espresso store and end the evaluation for the sushi place. $6.88

12 p.m. — I purchase Christmas presents for my household. I break up the price of my dad’s present with my sister and brother-in-law; it is a drone that takes cool photos since he loves nature pictures ($26.40). I purchase my sister two books and a card recreation from her want listing, and a rubber-band gun for my brother-in-law from his ($81.90). I spend the following little bit of time balancing my price range. If I stick with my plan, I ought to save $18,000 from now till subsequent October, which is fairly rad. Thinking about it like that, I will make a severe dent in my pupil loans as soon as I get my base financial savings out of the way in which. $108.30

5 p.m. — I spend the remainder of the time ending a contract challenge I am submitting later tonight. They’re paying me a few grand for it, in order that’ll be a pleasant financial savings bump. I purchase a ticket to a proper occasion in January for a program I am in, make dinner at residence, end up work, and watch a film with my roommates. After this week, I will have $200 left till January 1 primarily based on my price range. I resolve to tug one other $100 for NYE from my bonus. $40

Daily Total: $155.18

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