Welcome toMoney Diaries , the place we’re tackling what could be the final taboo dealing with fashionable working ladies: cash. We’re asking millennials how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.
Today: an HR Manager who makes $100,000 per yr, and spends a few of her cash this week on footwear and a jacket from Patagonia.
Occupation: HR Manager
Location: Brooklyn, NY
Paycheck (Biweekly): $2,663.54
Housing: $600. My boyfriend (C.) and I reside in an enormous, two-bedroom house in Park Slope. Even although we will afford to reside alone, we select to have a roommate as a result of C. is freelancing and does not have a gentle revenue, and it permits me to save lots of a ton of cash. Our roommate pays $1,400/month and C. and I cut up the remaining hire and utilities. Occasionally, when C. and I are each out of city, we’ll put up our room on Airbnb. (But I normally let C. put that cash into his account.)
Student Loans: $300. I’ve about $6,200 left to pay, down from the $18,000 I graduated with.
All Other Monthly Expenses
Renter’s Insurance: $13.42, which incorporates C.
Phone: I am nonetheless on my dad and mom’ plan, however C. and I each want new telephones, and we’re planning so as to add me to his plan quickly.
401(ok): 15% of each paycheck
Medical, Dental, Health & Life Insurance: $51.05
Unlimited MetroCard: $121 pre-tax
6:40 a.m. — C. and I spent the weekend at his brother’s farm upstate so we rise up early to catch the prepare into the town. We’re toast after spending a full Sunday doing handbook labor on the farm. C.’s brother drives us to the prepare station, and we purchase tickets on the cell app. $18.50
9:45 a.m. — Finally off the prepare. It takes a switch in Jersey and a subway trip to get to my workplace, and it is Monday morning rush hour. Woof. I determine I would like a bacon, egg, and cheese sandwich to outlive the morning. I order it on an every little thing bagel and fork over my cash. The solely bodega in my work hood closed so now, I’ve to depend on a bougie bagel place for my BEC repair. $eight.11
10 a.m. — Get to the workplace and pour a cup of espresso with cream. I’ve a chew of the espresso cake sitting on the counter and eat my BEC with sizzling sauce at my desk. C. texts to inform me he is stopping for a sausage, egg, and cheese. Snap him an image of my BEC and inform him nice minds assume alike.
1 p.m. — I am not very hungry however I do know the afternoon will get away from me if I do not seize one thing now. Head to a neighborhood joint that has good/wholesome meals. It appears dear however I can save half for a second meal. I get braised Mediterranean hen over candy potato mash and a aspect of kale-avocado-bean salad and cauliflower. $11.38
1:30 p.m. — Ugh. Cauliflower tastes like sulfur. I’ve by no means cherished it, however I all the time hope I will develop out of not liking it. Wrong once more.
2 p.m. — A coworker goes to a fundraiser to learn victims of Hurricane Maria. I need to contribute, so I Venmo him $20. I’ve a stockpile of money in my Venmo account from numerous birthday presents and from overlaying mates, so it looks like Monopoly cash to me. $20
three:30 p.m. — I am bored, and this afternoon has been so unproductive. I minimize up an apple from the workplace pantry and drink some water. I am so sore from the farm work yesterday!
5:10 p.m. — I virtually run out of the workplace. I am so excited to get dwelling. I veg on the sofa for some time with a seltzer and my ebook.
7 p.m. — C. and I watch Jeopardy (our weeknight custom) and make dinner. He went to the shop earlier and bought flank steak, greens, and artichokes. We eat an incredible dinner and binge watch the second season of Master of None. I am asleep earlier than I hit the pillow round 10:30.
Daily Total: $57.99
7:20 a.m. — My alarm goes off and I am not able to get off the bed. I take a fast bathe and head into the town on the subway.
eight:45 a.m. — Stop by the espresso store and get an iced skim latte and a zucchini peach muffin. I’ve a web site go to at my firm’s future workplace, so I put my breakfast on the corporate card. ($7.45 expensed)
10:15 a.m. — The web site go to is over, and I am actually excited concerning the new workplace. There’s a number of marble and swanky lighting fixtures — positively an improve from our present house. I stroll 15 minutes uptown to the outdated workplace.
12 p.m. — My firm is doing a web-based promo to stress-test our web site. They’re providing 50% off three objects for all workers (we normally solely get 25% reductions). I purchase C. a brand new pair of Nikes, a Patagonia jacket for him for Christmas, and I get myself a pair of Vans. $129
1:30 p.m. — Heat up my leftover lunch from yesterday and wolf it down at my desk whereas studying.
2:30 p.m. — Second lunch! C. packed me the remainder of the flank steak from final evening plus greens and dressing so I toss all of it collectively in an enormous bowl that I preserve at my desk.
three:45 p.m. — Spent the final hour looking clothes on Rent the Runway for a gala C. and I are going to subsequent month. I really like dressing up, however I do not personal something fancy, and I need to go large for my first gala. I discover an incredible Badgley Mischka gown that retails for $660 and is just $115 to hire earlier than transport, insurance coverage, and tax. My work bestie sends me a $30 low cost because it’s my first time utilizing RtR, so I apply that and order the gown. $108.34
5:20 p.m. — Leave the workplace and take the subway dwelling. The trains are a nightmare, and I come dwelling in a significant funk to a sunburned and hangry C. I drink a seltzer on the sofa and fume whereas he complains about work.
7 p.m. — We watch Jeopardy. C. makes a sausage and Swiss chard pasta, and I make a salad. We handle to snap out of our funk and watch an episode of Project Runway adopted by an episode of Master of None with chocolate peanut butter ice cream. Hit the hay at 11.
Daily Total: $237.34
7:30 a.m. — Alarm goes off and I stare at my telephone in mattress for 30 minutes. I forego a bathe and head out the door. It’s humid, and the entire approach in, I really feel like I’ll die on the subway.
9 a.m. — Pour myself an workplace espresso and minimize up a banana over oatmeal. This is my regular work breakfast, however I have been dangerous the final couple of days with BECs and muffins.
12 p.m. — My workplace has a city corridor assembly immediately and lunch from Le Pain Quotidien is offered. I take a half ham-and-cheese and a half turkey membership sandwich plus arugula salad, a cookie, and a strawberry.
2:30 p.m. — Nibble on a couple of bitter gummy worms that I’ve stashed below my desk for mid-afternoon candy tooth emergencies.
three p.m. — Walk to the espresso store with a colleague for our weekly 1:1. We every get iced tea. ($four expensed)
5:30 p.m. — Head out of the workplace for an extended stroll dwelling. I must name my dad and mom to catch up, and I like doing that whereas I am on a stroll. I name my mother and trek the four.5 miles over the Brooklyn Bridge and to my house.
7 p.m. — Home simply in time for Jeopardy. I watch with my roommate after which warmth up leftover sausage and chard pasta. C. is at a piece dinner and will not be dwelling ’til later.
10 p.m. — Spent the final couple of hours studying and gazing engagement rings on the web. C. will get dwelling, and we giggle and discuss for an hour and a half earlier than passing out.
Daily Total: $zero
7:40 a.m. — Alarm goes off, and I am up, showered, and out the door.
9 a.m. — Coffee and banana over oatmeal from the work pantry.
12:15 p.m. — Walk to my go-to wholesome lunch spot, and order a small kale, black bean, and avocado salad with candy potato mash and salmon on prime; it is scrumptious. $10.89
three p.m. — Find an virtually ripe peach within the workplace pantry and eat it at my desk.
5:15 p.m. — My afternoon was uneventful at work, however my workplace has a cheerful hour down the road. I stroll over with a pair colleagues and order a beer. ($7 expensed)
6:30 p.m. — I am on my option to meet C. and a few of his mates for dinner and drinks in Brooklyn. When I get there, C. has a beer ready for me. We order 4 tacos, and I pay since C. provides to get my beers for the evening. $18
10:30 p.m. — We have an excellent time and some extra beers, and on the finish of the evening we hail a cab for the mile to our house. C. tells me he’ll pay if I purchase him a slice of pizza. We cease on the pizza place proper below our house and order a cheese slice for C. and a pepperoni slice for me and stumble upstairs to mattress. $6.50
Daily Total: $35.39
eight a.m. — TGIF, however oh man, I am hungover. Three and a half beers by no means made a dent in me earlier than; I’m clearly getting outdated. I’ve a gathering with my monetary advisor at 10, and my boss is aware of I will be in late. I dress, eat a bowl of cereal, and head out by 9 to go uptown.
10 a.m. — My monetary advisor is so good. I order an enormous espresso, and we go over my investments. We’re shifting cash round and transferring $11,000 right into a mutual fund, and beginning in mid-October, I will be contributing $1,050/month into numerous funding funds. We agree that I can lower my 401(ok) contributions to 10% of my paycheck and nonetheless max out on my employer match, whereas preserving my discretionary funds snug.
11:15 a.m. — Back on the workplace and there are donuts on the counter. I minimize a jelly donut in half and proceed to inhale it.
12:45 p.m. — My colleague asks if I need to seize lunch, so we go to our favourite cute café and determine to sit down outdoors since it is so lovely. I order a steak salad with blue cheese, onions, strawberries, hazelnuts, and snap peas, and it is so freaking good. ($24 expensed)
three p.m. — Snack on bitter gummy worms from my desk stash and reduce my 401(ok) contributions to 10% per my monetary advisor’s directions.
5 p.m. — Eat a pot sticker and a scallion pancake from the workplace earlier than I head dwelling. It’s lastly the weekend!
6 p.m. — The jacket and footwear I purchased earlier within the week arrived! C. loves his footwear and jacket, however I am probably not enthusiastic about my Vans; they’re very white. I am undecided if I will preserve them for subsequent summer season or ship them again for a $30 refund.
7:30 p.m. — C. and I every drink a beer, and he suggests we hang around on the sofa and order supply for dinner. We’ve been courting for nearly a yr and a half, and we have actually by no means finished this earlier than. We determine on our favourite Szechuan place and order spicy marinated cucumbers, spicy pork wontons, and double-cooked hen. I pay and inform C. he can get groceries tomorrow. We chill on the sofa for the remainder of the night. $37.50
Daily Total: $37.50
11:30 a.m. — We slept in till 9 a.m., and C. makes espresso for us to drink in mattress with our books. I lastly get hungry, so we scramble eggs with sausage and eat that with toast and potatoes.
2 p.m. — We bathe and kick across the thought of grabbing a beer within the neighborhood, however as an alternative we head to the grocery retailer. We get hen breasts, carrots, onions, mustard, bathroom paper, Kleenex, sponges, crackers, brie, and greens. C. pays since I bought dinner final evening.
three p.m. — C. sears the hen and will get it happening the range in a pot with water, carrots, onion, and garlic. I make a fast dough within the meals processor and put it within the fridge to sit back. We put collectively the leftovers of dinner from final evening for a late lunch, then drink beers with cheese and crackers.
6 p.m. — A buddy stops by for a drink, and C. and I cut up a beer whereas I de-seed a pomegranate. After our buddy leaves, we shred the hen and make filling for a hen pot pie. I roll out the dough and we pop it within the oven. While it is baking, C. makes hen salad with the leftover hen for lunches subsequent week, and a inexperienced salad to go together with our hen pot pie. I prime the inexperienced salad and the hen salad with pomegranate seeds.
9 p.m. — C. has a candy tooth, so he makes a fast peanut butter fudge with butter, sugar, vanilla, and peanut butter. After it chills within the fridge for an hour, I eat a small piece after which head to mattress.
Daily Total: $zero
6:40 a.m. — Ugh. We’re up so early for a Sunday as a result of we’re going again to C.’s brother’s vineyard to assist harvest grapes. C. places espresso for us in thermoses and buys yogurts and an apple for the street from the bodega downstairs. Our mates decide us up of their automobile.
9:30 a.m. — We’re lastly on the winery, the place we decide grapes all day. It’s backbreaking and C. and I cease halfway down our row of vines to share a donut and drink seltzer.
5 p.m. — We’re lastly completed and leaving the winery. I wished to move again to the town by 5 p.m. to keep away from Sunday visitors, however it seems like that is not taking place. We get to C.’s brother’s farm the place he is made a feast for everybody who helped with the harvest. We drink a number of good wine and eat sausages, cheese, bread, and tons of contemporary veggies from the farm, plus the remainder of C.’s fudge from final evening.
10:30 p.m. — I can not consider we left so late. Of course we hit visitors, and it takes us over three hours to get dwelling. I bathe and crawl into mattress extraordinarily cranky and unenthused to finish my weekend this manner.
Daily Total: $zero
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