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Today: a guide who makes $92,700 per yr. This week, she spends a few of her cash on film tickets and a vinyl report.
Occupation: Technology Consultant
Location: Berkeley, CA
Paycheck (2x/month): $1,795 after taxes, 401(okay), inventory, and medical health insurance deductions
Housing Costs: $1,275. My comparatively low lease is without doubt one of the causes I made a decision to remain in my school city after commencement. These days, residing alone in a one-bedroom residence for the quantity I am paying is a tall order within the Bay, and I might be laborious pressed to duplicate it. (I moved in simply earlier than the tech increase actually bought underway and rents exploded.) Had I moved to San Francisco, as a lot of my buddies did, I might simply be paying a number of hundred extra a month for a lot much less house.
Loan Payments: $zero. Thanks, Mom and Dad.
All Other Monthly Expenses
Cell Phone: $zero. Still on the household plan. Another shout out to the ‘rents. My mother and father have generously let me keep on their plan, and in return I share my NYT, WaPo, The New Yorker, and Amazon Prime subscriptions with them. We all take a heavy curiosity within the information and political commentary, and two-day transport, so it really works out.
Health Insurance: $110
401(okay): $1,438; my firm matches 6%. (All I took from my school private finance class was that I ought to’ve began saving for retirement at time of start, or earlier than then.)
Company Stock Purchasing Program: $175. Company-offered program the place staff should purchase firm inventory at a reduction.
Savings: $400. Have no particular targets for the funds but, however grad faculty and/or proudly owning property could possibly be neat sooner or later. I’ve $9,000 in financial savings, $35,000 in retirement, and $33,000 in investments.
Charitable Donations: $40. I assist the UN refugee company, my native meals financial institution, and an org known as Developments in Literacy, which builds faculties in Pakistan.
The New York Times: $7.50
The Washington Post: $three.99
The New Yorker: Comes out to $5.67/month
Amazon Prime: Comes out to $eight.25/month
eight:30 a.m. — Ah, Mondays. Wake up, clean up, and go online to my work pc. I am at the moment between initiatives (as can occur in consulting) and I often make money working from home when unstaffed. Not one to show down the chance to sleep in a little bit!
10 a.m. — I hate consuming very first thing within the morning and keep away from it at any time when it is an choice. Finally make my approach into the kitchen to make a fast breakfast of toast, eggs, and tea. I am Pakistani, and black tea with milk and sugar (a.okay.a. chai) is, as DJ Khaled would say, main key.
11 a.m. — Chat with my HR rep in regards to the begin date for my upcoming undertaking. The onboarding is taking ages for the reason that shopper requires a ton of safety checks and documenting, and I am beginning to get antsy. Being “on the bench” is good at first, however boredom begins to set in fairly quick. In this case, although, there’s not a lot I can do to hurry it up; within the meantime, it appears prefer it’ll be one other sluggish day.
12 p.m. — Read up on the standing of the wildfires raging down in SoCal; they give the impression of being as dangerous as ever. Worried, I shoot just a few texts to buddies who stay in and round L.A. Here within the Bay Area we had our personal flip with wildfires in October, with a whole lot of 1000’s of acres scorched in Napa, Sonoma, and different close by counties. Berkeley itself was okay, however the air high quality was so poor right here that I, and plenty of others, turned to respirator masks to get aid from the throat irritation and coughing. The information says the fires in SoCal are so huge we are able to anticipate air high quality up right here to undergo as soon as extra. It’s scary and saddening to see the consequences of local weather change play out in such a stark and damaging method.
2 p.m. — Do a little bit Amazon shopping, and find yourself shopping for a Kindle Paperwhite for my cousin in Pakistan. He requested me to purchase one for him, and he’ll pay me again; electronics like these are way more costly and troublesome to get there. My household went to Pakistan nearly each summer season after I was rising up, so I am fairly near my cousins there and do not thoughts serving to them out. This cousin in query has a pal in Berkeley who might be returning to the motherland in just a few days, and might take it with him to ship. $115
three p.m. — Realize that I am getting hungry, and reheat the leftover salmon I made final night time —broiled with dill, butter, and garlic, with steamed zucchini on the facet — for a late lunch.
5 p.m. — Log off work for the day. Here’s hoping I can begin my undertaking quickly. One can solely browse a lot information earlier than one’s grip on actuality turns into tenuous.
6:30 p.m. — Leave my residence and head for BART, which I will cost to my pre-loaded Clipper card. I am assembly buddies in San Francisco to look at Lady Bird, which I have been desirous to see for weeks now. I like Greta Gerwig and coming-of-age films, so I am trying ahead to it.
7:30 p.m. — Get to the theater proper because the trailers begin. I rapidly buy my ticket and find my buddies. Thankfully, it is a weeknight so it is not too crowded and we’re capable of finding a gaggle of respectable seats collectively. $13
9:30 p.m. — Lady Bird was beautiful. I actually empathized with Lady Bird’s complicated and infrequently fraught relationship together with her mother; it jogged my memory of my senior yr in highschool. We talk about the movie for a bit earlier than splitting up; it’s a weeknight, in any case, and all of us have work tomorrow. I attempt to keep away from taking BART alone at night time, so name an Uber Pool. $10.89
10:30 p.m. — Get again dwelling and am a little bit peckish, however not sufficient to prepare dinner an actual meal. Settle on toast with PB&J. The classics are the classics for a motive.
Daily Total: $138.89
eight:30 a.m. — Up and at ’em. I get up, clean up, go online, and many others. Toast and tea for breakfast, half two. Make a be aware to get extra preservative-free saline eye drops quickly. I bought LASIK executed final yr, and whereas the professionals far outweigh the cons, the continual dry eyes — particularly with my great amount of display screen time — are actual.
11 a.m. — Still no signal of motion on the undertaking onboarding. It’s greater than a little bit irritating. While checking my e mail, I get a discover from a well-liked occasion organizer within the Bay — Rep. Adam Schiff, D-CA, is coming to talk in San Francisco in February! I’m a fan of the Congressman and admire his bravery and tenacity, so getting a ticket is a no brainer. $23.16
12 p.m. — Mega-cringe for the day: I test in to see how Alabama’s senatorial election goes as a result of I am a masochist, and might solely cringe on the newest ridiculous, doubtlessly bigoted statements emanating from Roy Moore’s camp. I’ve zero thought what’s taking place in America today, or the place these individuals are coming from. It’s like an enormous SNL parody that was rejected for being too on-the-nose has develop into our actuality.
2 p.m. — Lunch is a barely haphazard affair of no matter leftovers I can discover in my fridge. I desperately want groceries. I give you leftover Chinese, and complement it with steamed veggies on the facet. I’m a home goddess.
5:30 p.m. — Head for Trader Joe’s, decided to have a much less pathetic dinner. Buy milk, eggs, olive oil, turkey bacon, tuna steaks, a salmon fillet, Havarti cheese, candy potatoes, brussels sprouts, zucchini, penne pasta, marinara sauce, mushrooms, an eggplant, buttermilk, shrimp, rooster pot stickers, garlic naan, a single-serve palak paneer meal (no judgement zone), and a bar of darkish chocolate. $67.73
7:30 p.m. — Whip out my cast-iron pan and make seared tuna steaks, with roasted brussels sprouts and baked candy potato fries on the facet. It seems fairly nicely, and I really feel I’ve largely redeemed myself.
eight p.m. — Holy hell, Doug Jones gained. Well executed, Alabama. I donated to his marketing campaign final month, however even then thought his to be a quixotic final stand. I’ve by no means been so completely satisfied to be mistaken. I donate $20 to the NAACP in celebration; they had been instrumental in getting out the vote. Spend the remainder of the night studying pollsters’ sizzling takes and exchanging exclamation mark-filled messages with buddies. $20
Daily Total: $110.89
eight:30 a.m. — Tea and, in a shocking break from the norm, oatmeal. Look at me, spreading my wings.
9 a.m. — Start the day with a name: FedEx is outdoors with the iPhone X I ordered final week. It’s not for me, although, however for one more cousin in Pakistan. This is clearly a bigger-ticket merchandise than the Kindle, however this cousin and I are fairly shut and I do not thoughts doing her a strong. (My iPhone 6 continues to be chugging alongside.)
11 a.m. — A sigh of aid: I obtain phrase from HR and my supervisor that I am lastly cleared to start out the undertaking! I will be beginning on the shopper website on Monday. Hallelujah. While I’m undoubtedly a homebody, even I’ve began to go stir-crazy. This may be very welcome information.
1 p.m. — Polish off the opposite tuna steak and the remainder of the candy potato fries (which I might truthfully eat without end, they’re SO GOOD) for lunch. Realize with some alarm that I’ve additionally in some way labored my approach by way of 1 / 4 of the darkish chocolate bar already. I transfer it to a special counter.
2 p.m. — Post lunch, test my e mail to see I’ve gotten a flurry of emails from numerous members of the staff I will be becoming a member of. Even although I begin Monday, there’s at all times an expectation in consulting that you’re going to hit the bottom working as quickly as you begin, so you do not waste the shopper’s money and time. The emails make it clear there is no such thing as a scarcity of demos, overviews of purposes I will be working with and testing, and workflow charts I can begin going by way of. I will be working within the healthcare house, and although I’ve executed different initiatives on this trade, I’ve not carried out this particular position. This is gonna be fascinating. Here we go.
5 p.m. — After work and already feeling the consequences of knowledge overload from the sheer variety of EnergyPoint displays I’ve to look by way of. I swing by the usstore, the place an Amazon bundle was dropped off for me. Grab a latte on the way in which again. $three.30
6:30 p.m. — Spend a while trying over my cryptocurrency holdings. I have been thinking about crypto since I took a course on block chain know-how in school, and a couple of yr in the past, I purchased small quantities of some cryptocurrencies out of curiosity within the initiatives. I’ve seen some positive factors since then, however nothing matches Bitcoin’s explosive development within the final month alone: On November 1, it hovered round $6,000 a coin. At time of scripting this, it’s round $17,000 a coin. That form of development is clearly unprecedented — and completely irrational. I can solely ascribe this parabolic development to the sudden spike in societal consciousness of crypto generally and Bitcoin specifically. I fear that individuals who do not respect how high-risk crypto is are investing irresponsible quantities of cash in it, within the hopes of getting wealthy fast. The cardinal rule of cryptocurrency is to by no means make investments greater than you may afford to lose, and I worry we’re headed for a crash that may have ugly penalties for a lot of.
9 p.m. — Watch an episode of Godless on Netflix. I like Michelle Dockery so I believed I might give it a attempt, however it’s not doing a lot for me. After, I undergo by way of a spherical of HIIT on FitnessBlender. I do not know whose thought mountain climbers had been, however I might like to write down them a strongly-worded letter.
Daily Total: $three.30
9 a.m. — Out the door to fulfill my cousin’s pal. (The one returning to Pakistan, who’s delivering the Kindle and that iPhone.) My familial duties are full. The child appears a bit frazzled; it is finals week, apparently, and he does not appear like he has slept shortly. I definitely do not miss these days. Get a bagel at Noah’s on the way in which again; the cashier surprises me by giving it to me on the home. Nice begin to the day!
11 a.m. — More introductory supplies to undergo. These demos are loooong. Wondering why data switch by way of osmosis is not a factor but.
1 p.m. — Fry some rooster pot stickers with a facet of steamed zucchini for lunch. Read up on the FCC’s vote to repeal web neutrality for a bit earlier than closing my web browser in disgust. (Take that, ISPs!) This is why we will not have good issues, y’all. My periodic need to shun society and take up life as a nomad residing out of a yurt someplace flares up.
2 p.m. — Beat down escapist fantasies and open one other EnergyPoint. I might make a horrible goatherd, anyway.
5:30 p.m. — After logging off for the day, I make penne for dinner with marinara sauce, floor beef, eggplant, mushroom, and loads of spices. Listen to the brand new episode of Pod Save America as I prepare dinner. I noticed them stay final week and so they had been nice; very personable and witty.
7 p.m. — Chat on the telephone with my mother for a bit; she’s happy that I am lastly beginning my undertaking, and we then transfer on to the key topic at hand. My brother’s getting married subsequent month, and South Asian weddings are loopy, in all probability over-the-top, multi-day, loud, colourful, household affairs, with tons of meals, choreographed Bollywood-style dancing. I will be desperately attempting to stay upright in a sari with out by chance ripping the entire thing off because of misplaced steps. My mother’s been in planning mode for months, and although it has been a logistical nightmare, I am trying ahead to the precise occasion.
Daily Total: $zero
eight:30 a.m. — I am going into town at this time to work out of the workplace, which I attempt to do at the least as soon as every week after I’m unstaffed. I pour my tea right into a thermos and eat my toast on the go as I head to BART.
10 a.m. — The workplace is fairly busy since most consultants do not work at their shopper websites on Fridays. My assigned house seems to be in a barely cramped room shared with two guys on a really loud convention name. Yay.
12 p.m. — Escape the room at lunch, going to my favourite halal meals truck and shopping for a gyro rice plate. Probably unhealthy, however I like it an excessive amount of. It’s a pleasant day in SF so I am going for a stroll by way of the Financial District after consuming. $10
1:30 p.m. — Get a really welcome e mail: Thanks to the work survey I took final week, I’ve gained a ticket to see the Warriors play the Grizzlies subsequent week! My agency works with the Warriors so we get alternatives like this every now and then. My primary staff will at all times be the Rockets (11 straight wins, child!) however with six years within the Bay, I’ve adopted the Dubs as a secondary staff. They’re at all times enjoyable to look at.
6:30 p.m. — Meet my buddies on the movie show. We have tickets for The Last Jedi, and as I am very severe about my Star Wars, I insisted all of us get right here early to safe good seats. I refuse to be caught within the entrance row whereas Rey struggles with the darkish facet. My pal bought our tickets on-line yesterday, so I Venmo him as we stroll in. Now, time to enter a galaxy far, distant… $15.69
10 p.m. — Omg. That was so good. I’m, as the youngsters say, shook. No spoilers, however followers of the franchise ought to be happy. Rogue One was superb however I used to be a little bit dissatisfied by The Force Awakens as I believed the plot was too just like A New Hope. There’s no worry of that right here. Also, it was lengthy and I am now ravenous. Aside from nightlife, SF form of shuts down after 10 p.m., however there are just a few bars with dinner menus, so we Uber to at least one (my pal pays). After battling our method to a desk, we lastly eat. I get a cheeseburger, which is scrumptious, and we cut up a slice of cake. $23
12 a.m. — My buddies wish to go barhopping, and although I do not drink, I often accompany them to the primary few spots as a result of it is enjoyable to hang around. Everywhere is crowded, so dialog is restricted, however we end up in a pub with a free desk and publish up for a bit.
1:30 a.m. — I am lifeless and name it quits. BART tragically closes at midnight, so I cut up an Uber again to Berkeley with a pal who additionally lives right here. It’s nonetheless loopy costly, however costs surge after midnight and just about keep there till at the least three a.m. I get dwelling round 2 a.m. and fortunately crawl into mattress. $17
Daily Total: $65.69
10:30 a.m. — Sleep in with zero guilt, and contemplate sleeping extra even after my alarm goes off. Alas, I’ve plans to go mountain climbing with buddies and one is already en route to choose me up. I bid a tragic farewell to my mattress, get myself collectively, and inhale toast and tea by the point she arrives.
11:15 a.m. — We cease by Ike’s, a well-liked Bay Area sandwich chain, to seize rations. I get a Ménage à Trois on Dutch Crunch (they go for zany names). It’s my Ike’s go-to and is called for its three cheeses (cheddar, pepper jack, and Swiss) and three sauces (barbecue, honey mustard, and honey) paired with rooster and lettuce. It’s scrumptious. I cowl my buddies’ meals as nicely, since they’re doing all of the driving. $34.06
1 p.m. — After selecting up our different pal, we make our approach as much as Point Reyes National Seashore up in Marin the place we’ll be mountain climbing. It’s stunning up right here and has an enormous number of nice trails, many alongside the coast. One of my favourite issues in regards to the Bay is its quick access to nature. Since we arrived comparatively late within the day, with not too many hours of daylight left, we choose a average five-mile hike.
three p.m. — Inhale our sandwiches at our stopping level, an exquisite vista overlooking the Pacific. Attempt a number of hilarious backlit selfies.
5:30 p.m. — We return to the parking zone simply because it begins to get darkish. I’m so over daylight financial savings and winter; it is pitch black by 6 p.m. and makes me wish to keep in mattress watching Netflix. It was an important hike, although, and I resolve to do that extra typically. (I am additionally embarrassingly sore, so finally my legs will approve of this alternative.)
6:30 p.m. — On our approach again, we cease at a espresso store, in determined want of caffeine. It’s connected to a little bit classic retailer and I flip by way of their assortment of used data, coming throughout a vinyl of Ella Fitzgerald Sings the Duke Ellington Songbook. I do not assume twice about shopping for it; my dad is a large jazz fan, and I grew up listening to Ella, Louis Armstrong, Miles Davis, Dave Brubeck, and many others. on his report participant. This might be a pleasant shock for him after I go dwelling for the vacations! Meanwhile, my pal covers our espresso. $13.02
7:30 p.m. — Finally get again to Berkeley; my pal kindly drops me off. I am beat, with zero inclination to do something previous showering and turning into pajamas. I just do that, then eat the opposite half of my sandwich. (Ike’s sandwiches are huge.) Next cease: Parks and Recreation. Overall, a very good day.
Daily Total: $47.08
11 a.m. — Peel myself away from bed fairly late, however I am sore from yesterday and cannot be too bothered about it. Looking ahead to a lazy Sunday, particularly with my undertaking beginning Monday!
11:30 a.m. — In the kitchen, I whip up chocolate-chip buttermilk pancakes, my month-to-month custom. They take a short while however are so value it; breakfast is my favourite meal of the day. Have a pancake with turkey bacon on the facet and tea.
1 p.m. — I did not get by way of all of the supplies I want to have a look at for Monday, and since I do not wish to embarrass myself, I dedicate the afternoon to getting in control.
four p.m. — Finally set my work laptop computer apart. There’s solely a lot you may soak up, and the perfect studying comes from doing, so Monday might be a little bit of a crash-course anyway. Have among the pasta I made earlier within the week.
four:30 p.m. — Wanting to stretch my legs a little bit, I am going for a stroll by way of the UC Berkeley campus, which is beautiful and deserted. The college students gone for winter break and I make my approach into downtown Berkeley earlier than turning round. While I like SF, I feel I choose the smaller-town vibe Berkeley has. It additionally smells rather a lot higher than town, which assaults you with a barrage of odors each time you stroll out of a BART station.
7 p.m. — Make my second cup of tea after which, after some consideration as a result of I do not really feel like cooking, have extra pasta.
eight p.m. — Spend the remainder of the night cleansing my residence and planning for Monday, earlier than stepping into mattress by midnight. My sleep schedule is completely shot after my irregular week, so tomorrow morning goes to be painful no matter after I sleep, however no hurt in attempting!
Daily Total: $zero
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