Welcome toMoney Diaries , the place we’re tackling what could be the final taboo dealing with 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.
Today: a senior relationship supervisor who makes $125,000 per yr. She spends a few of her cash on Nespresso pods.
Occupation: Senior Relationship Manager
Industry: Real Estate Finance
Location: San Diego, CA
Salary: $125,000 plus fee (ought to be $60,000 this yr)
Paycheck (2x/month): $three,207
Housing: $2,120 — $1,700 mortgage plus $420 HOA. I reside with a roommate who pays me $1,000/month, so my price is $1,120. My mother loaned me $40,000 (curiosity free) to go towards the $80,000 down fee after I bought my rental. Since I used to be capable of put down extra, was capable of cut back the month-to-month quantity. This is not actually a daily month-to-month price, however I’m paying her $5,000 quickly from a fee examine, which can make the stability $35,000.
Student Loans: None. I graduated with about $15,000 in loans that I paid off inside two years.
All Other Monthly Expenses
Car Lease: $299
Car Insurance: I make a lump sum fee each six months, however that breaks right down to ~$102/month.
Indexed Universal Life Insurance: $300
Housekeeper: $50 (My roommate additionally pays $50)
Cell Phone: $zero — I’ve two; my job pays for one and my mother pays for the opposite (I do know; I am a mooch).
Cable & Internet: $148
Gas & Electric: $30 (My HOA covers water and trash.)
iCloud storage: $2.99
Audible: $14.95 — I am obsessive about audiobooks!
Amazon Prime: $99/yr
The New York Times: $15
HBOGo, Showtime (+ different channels): None, I take advantage of mother’s account and provides her entry to my Netflix and Hulu accounts.
7:30 a.m. — Drag myself away from bed as a result of my contractor begins in the present day! I would like to maneuver the whole lot out of my bar space because it’s being demolished and changed with new cupboards, marble countertop, and a built-in wine fridge (most enthusiastic about this half). The kitchen countertop can also be being changed with marble, and I am including tile and trim round my hearth together with another beauty enhancements. Make myself a Nespresso with brown sugar and get to work.
eight:30 a.m. — Contractor arrives! They arrange their gear whereas I login to earn a living from home for the day. Decide that I ought to most likely eat one thing earlier than demolition begins and my kitchen is out of fee. Toast some olive bread which I high with recent Greek feta and fig jam.
9:45 a.m. — My contractor informs me that he wasn’t capable of finding the bar objects I picked out in inventory at Home Depot, so we go surfing to get them organized. I buy the bar sink and tap ($159 for each) and the 33 bottle built-in wine fridge ($470) to be delivered to the Home Depot near my home. On the brilliant facet, this finally ends up saving me the overhead price of him shopping for them for me. $677.75
10:30 a.m. — Decide that I completely must order Halloween costumes for my boyfriend and me in the present day. After some texting forwards and backwards, we determine on Morticia and Gomez Addams. I order an inexpensive pinstripe swimsuit for him and a wig and costume for me. $58.71
2:30 p.m. — Can’t make my regular quantity of gross sales calls in the present day with all of the noise, however nonetheless handle to be productive. I made a giant sale final week (largest one but!), so I do not really feel as responsible having a catch-up day or two. I sneak into the kitchen to seize a snack of pita chips and chipotle bitchin sauce.
5 p.m. — Contractor wraps up, and I prepare to move to church to direct Greek dance. There’s a giant nationwide competitors yearly that we’re getting ready for. I grew up doing it, and it is an enormous ardour of mine. I direct with my two greatest pals which makes it much more enjoyable. I cease at Jimbo’s on the way in which to seize a tropikale smoothie and a salad from the salad bar. $14.68
9:30 p.m. — I get residence from Greek dance and climb into mattress. It’s at all times exhausting working with so many youngsters! I name the BF and we chat for some time, then I watch some Chopped earlier than falling asleep.
Daily Total: $751.14
7:30 a.m. — Hump day! Climb away from bed and go straight to the Nespresso. Log in to work with espresso in hand. Extremely grateful for my versatile work schedule. Because I am in a gross sales position masking the western U.S., I do numerous touring normally. On weeks that I haven’t got any journey scheduled, I attempt to earn a living from home as a lot as I can.
10 a.m. — Make myself a twist on a shakshuka for breakfast: pancetta, shallots, mushrooms, purple peppers, tomatoes, garlic, and basil function the poaching sauce for my two eggs. I crumble some feta on towards the tip and soak it up with some extra toasted olive bread. Eat at my desk.
11 a.m. — Pack up all my stuff for the subsequent few days. My boyfriend lives in Long Beach, which is about an hour and 20 minutes from my home in north SD however near my workplace within the OC. I normally stick with him a few occasions every week, and we spend weekends at my place – this weekend is an exception. He’s planning on transferring in with me come January, so we’re making an attempt to get pleasure from his metropolis as a lot as potential.
11:30 a.m. — Brazilian sugaring appointment. I like my sugaring lady – she’s hilarious and has numerous tales from a current journey to Egypt. The service is $48 and I go away an 18% tip. $56.64
1 p.m. — Arrive at my workplace to work for the afternoon. Meet with my boss who provides me suggestions about an funding committee assembly from Monday wherein one among my proposed investments was mentioned and ultimately accredited. He encourages me to not get defensive when fielding questions from committee members sooner or later, and I agree that that is one thing I must work on. He’s actually proud of my efficiency general, particularly in mild of the large signing final week.
5 p.m. — Stop at Trader Joe’s on my approach to the BF’s home to get provides for the subsequent couple days. I get hen thighs, entire grain mustard, tomatoes, child lettuce, shredded carrots, avocados, inexperienced onions, cave-aged blue cheese (new merchandise!!), bacon, eggs, bananas, blueberries, greek yogurt, lemons, garlic, and a pack of the darkish chocolate quadradini wafers (BF and I are addicted). $50.64
6:30 p.m. — Start marinating the hen thighs in a honey mustard sauce (whole-grain mustard, spicy deli mustard, honey, salt, pepper, lemon juice) and rapidly fry up 4 items of the bacon. Dump a lot of the bacon fats from the pan and substitute with the hen thighs. Assemble a pseudo-Cobb salad with lettuce, shredded carrots, chopped inexperienced onions, tomatoes, avocado, crumbled bacon and blue cheese. Top with the sliced honey mustard hen and a dressing constituted of some additional honey mustard marinade plus garlic and olive oil. Delish!
7:30 p.m. — Eat dinner collectively whereas flipping between the Dodger sport and hockey. Bust out the wafers and have a number of (or 10) every. One of the very best components of cooking for the BF is that he cleans after! We every bathe, calm down, and watch South Park earlier than going to sleep.
Daily Total: $107.28
7:15 a.m. — BF leaves for work and kisses me goodbye. Guess that is my cue to start out preparing! Get my stuff collectively since I will the Haim live performance on the Greek Theater in L.A. tonight with a good friend after work. Grab a banana earlier than I go away the home.
eight:15 a.m. — Stop at a fuel station to replenish. $48.13
eight:30 a.m. — Stop at Starbucks for my regular three photographs of espresso with two pumps of traditional sweetener over ice. Realize my Starbucks app must be reloaded with funds. The espresso is just $three.15 and I reload extra. $25
9 a.m. — Arrive on the workplace and make myself what I’ve dubbed a “banana snack” – sliced banana with peanut butter, granola, and honey that I preserve at my desk.
11:30 a.m. — We have an analyst on the town from out of state for coaching and determine to take her out to lunch as a workforce. We go to a classy Italian place close to the workplace, and I get a prosciutto pizza with goat cheese and figs. I eat half and save the opposite half for tomorrow. There are 5 of us whole, and I cost the $150 to my company card. ($150 expensed)
1 p.m. — Book two flights for upcoming enterprise journeys – one to Sacramento and the opposite to Chicago. Excited to make a weekend out of the Chicago journey since I’ve by no means been! Book my BF’s flights out for Friday with my factors. He’ll return with me that Sunday through my Southwest Companion cross. Charge my flights to my company card, however pay for his flight charges on my private card. $11.20
three p.m. — I am slightly nervous about L.A. site visitors if I stick round too late and determine to move north to my girlfriend’s place close to Brentwood. She simply had her child and is on maternity go away, and I wanna meet the little man! I can take calls and end some work whereas I am there.
5:30 p.m. — The little man is so cute! After some tea and an extended overdue, stress-free catch-up sesh with my good friend (the child sleeps for many of it), I make my approach to Los Feliz for a fast dinner earlier than the live performance.
6:40 p.m. — Meet my good friend at a cute bakery referred to as Alcove close to the venue. I get a buffalo hen wrap and she or he will get a veggie sandwich. We determine to go away one among our automobiles there and drive over collectively. I save half of my wrap for my BF to take to work for lunch tomorrow – he’ll find it irresistible. $16.43
eight:30 p.m. — We get to the Greek, park, get two glasses of rosé, and head to our seats! What an intimate venue! My good friend pays for parking ($25) and I pay for drinks ($10 every plus $2 tip). $22
11 p.m. — Haim was so wonderful! So completely happy to have made the trek out to Hollywood for the present, and had a good time with my girlfriend. The drive again to Long Beach solely takes 35 minutes right now of evening (thank god), so I crawl into my BF’s mattress round midnight and cross TF out.
Daily Total: $122.76
7:20 a.m. — BF is in an awesome temper from the Raiders profitable the soccer sport final evening, and offers me a blow by blow of all the sport. I am excited for him (as excited as I may be whereas half asleep), and much more excited to go to the Ducks sport tonight! I determine to work from his place in the present day since I usually keep away from the workplace on Fridays (site visitors is normally double), and I do know I will be extra productive with the place all to myself.
eight a.m. — Make espresso utilizing a folded paper towel as a filter since I am out of them. While it brews, I make Greek yogurt topped with sliced banana, blueberries, granola, a dollop of peanut butter, and honey. Get again to work placing collectively an funding committee bundle I’ve to current on Monday.
1:40 p.m. — Heat up the opposite half of my leftover pizza from yesterday within the toaster oven. I eat the crusts with among the cave-aged blue cheese with balsamic on high. I do not really feel responsible; this cheese is orgasmic.
four p.m. — BF will get residence, so I cease working for the day/week. We lay round (wink wink) and slowly prepare for the Ducks sport!
6:40 p.m. — Arrive at Honda Center. Parking is $20. I pay since BF drove (and I at all times have money and he by no means does). $20
6:55 p.m. — We get provisions earlier than heading to our seats – three IPAs (two for BF, one for me), jalapeño cheddar popcorn, and peanuts. BF pays the $56 (ridiculously overpriced, I do know).
eight p.m. — We determine to go to the workforce retailer between durations since I desire a new beanie and BF needs a brand new hat. We choose some out that we like, and I determine to pay as a result of I am the very best girlfriend ever. $78.64
9 p.m. — More beers! BF pays the $28 for 2 (one and a half for him, a half for me since I am driving us residence).
10:30 p.m. — Ducks beat the Habs 6-2! What a sport! Since the Ducks scored greater than 5 targets, the entire crowd will get free Chick fil a. We determine to money in and go to the one by his home on the way in which residence.
11:15 p.m. — Chick-fil-A is closed; epic fail. Good factor In-N-Out is throughout the road. I pay for my cheeseburger and his three x three plus Animal Style fries for each of us. We feast at residence, and once more, cross out. $17.09
Daily Total: $115.73
9 a.m. — We stand up comparatively early for a Saturday since I’ve to run a Greek dance errand in downtown L.A. (sure, there are Greek dance errands – principally costume associated). We determine to go to a brand new Greek restaurant after, referred to as Good Greek Grill, that some pals of ours opened in Hollywood. It is meant to have essentially the most genuine gyro in SoCal. We went to Greece collectively this summer time and had some meals withdrawal, so we’re completely happy to make the journey.
11:30 a.m. — OMG these gyros and freddo espressos hit the spot. One of the homeowners is there and offers us some free baklava bites coated in Nutella to attempt. These are life-changing, and I die and go to heaven. I determine to pay since I dragged BF with me to the Greek dance errand earlier (and in addition as a result of once more, I’m the very best girlfriend ever). $29.83
1 p.m. — We search for one thing else to do in Hollywood whereas we’re up there, and uncover that the Museum of Death is down the road from us. What may very well be higher for a Saturday in October? We head over and BF pays for our $30 admission ($15 every).
2 p.m. — Holy shit that was creepy. I extremely suggest the museum to anybody who’s fascinated with serial killers and needs to see precise crime scene photographs (so intense!). We each go away in type of a bizarre temper and begin heading to Long Beach. On our approach, BF takes me to see the mansions in Bixby Knolls, an upscale historic Long Beach neighborhood. I fall in love with all the homes instantly – it’s my dream to rehab a historic home sooner or later! BF is completely happy about my over-the-top reactions to all of the properties. Imaginary home procuring is the very best.
four p.m. — We get residence, calm down, and begin on the lookout for issues to do tonight. We have been planning on going to the Queen Mary (haunted ship docked within the Port of Long Beach), however tickets are offered out. Instead, we rally the troops and plan on going to the Oktoberfest in Anaheim.
7:30 p.m. — I begin getting hungry, so I make avocado toast with chopped tomatoes, the cave-aged blue cheese (sure, once more), and balsamic. BF at all times encourages me to snack, in any other case I get hangry.
eight:45 p.m. — Arrive at Oktoberfest with my BF’s greatest good friend, his new chick, and my BF’s cousin in tow. We additionally meet up with a few different pals there. It’s $10 entry per particular person, and you have to buy tickets for food and drinks. Since its money solely (and also you guessed it, I’ve money), I cowl mine and BFs entry together with $60 price of tickets (comes out to about $eight per beer for 5 beers plus a $14 hen schnitzel dish and a $four pretzel). I will not ask him to pay me again – he’ll simply cowl the price of our subsequent exercise. If you possibly can’t already inform, we’ve got a fairly casual cost-splitting association. $80
12:30 a.m. — Head residence from the festivities. Such a wild crowd! Really humorous individuals watching. We have to tug over on the way in which residence for my BF’s greatest good friend’s new lady to throw up (eye roll). Then we drop off my BF’s cousin. The couple stays the evening on the sofa, and we hit the sack round 1:15.
Daily Total: $109.83
10 a.m. — I am feeling drained in the present day, however want to move to SD to show Greek dance at 12:30. Pack up my stuff, kiss BF goodbye, and hit the highway.
12 p.m. — Arrive in SD with time to spare to seize Starbucks – thank God. I get my regular three photographs of espresso with two pumps of traditional over ice, a turkey sandwich protein field factor, and a few salt and vinegar chips. Comes out to only over $10 however pay with my app.
four:30 p.m. — Arrive at residence to see all of the enhancements the contractor made final week! Getting so excited. Slowly unpack and get settled whereas listening to My Favorite Murder.
7 p.m. — Go to my fridge to scope out what I could make tonight. Take some shrimp out of the freezer to defrost underneath heat water, and determine to roast the broccoli I’ve because it’s about to go unhealthy. Season it generously and put right into a 435-degree oven for 20 minutes (According to Yotam Ottolenghi, 435 is the right temperature to roast greens.). Drizzle with balsamic when it is virtually finished to caramelize it. Turn oven off and broiler on. Broil the shrimp (three minutes on both sides) after tossing with garlic, lemon juice, salt, pepper, purple pepper flakes, olive oil, and chopped recent tomatoes. Put shrimp on high of roasted broccoli with some crumbled recent Greek feta.
eight p.m. — Netflix, bathe, and brightening face masks earlier than mattress. End up getting hooked on the brand new present Mindhunter and keep up later than I needed to. Finally fall asleep round 11:30 p.m.
Daily Total: $zero
6:30 a.m. — WHY do we’ve got eight a.m. division conferences Monday mornings?? And on high of it, I’ve to current to funding committee at 9. Drag myself away from bed and discover the power to straighten my hair (since sleeping on moist hair by no means ends in a very good morning search for me). Make a double Nespresso for the highway and head to work.
eight:10 a.m. — Arrive on the workplace having already participated within the first 10 minutes of the division assembly over the telephone. Oops.
9:30 a.m. — Investment committee assembly went effectively! Make myself an avocado “toast” utilizing the entire grain crispbread from Trader Joes as a base (actually good bread different).
12 p.m. — Decide to make use of my lunch break to lastly go to the Nespresso boutique close to work to fill up. I usually go each 4 months or so to refill my pods. I additionally lastly flip in my bag of used pods for recycling which were behind my automobile for weeks! $88.20
12:30 p.m. — Pick up a poke bowl on my approach again to the workplace. $10.19
four:30 p.m. — Leave the workplace and get fuel on my approach residence. $48.06
5:30 p.m. — Get residence and totally intend on going to the fitness center, however begin getting a headache and might’t convey myself to do it. Run to CVS to select up my contraception (coated by my insurance coverage).
6:30 p.m. — Go to Trader Joe’s to select up groceries for the week. I restock on coconut oil, coconut milk, Spanish deli meats, tomatoes, feta (they’re out of the recent Greek feta in brine so the common sort should do – so unhappy), black pepper Toscano cheese, pre-grated parmesan, cauliflower, haricot vert, purple bell pepper, mushrooms, and carrots. I additionally seize a bottle of sherry to attempt because it appears to be like like TJ’s would not promote my favourite dessert wine anymore. $47.29
7:30 p.m. — Make some pasta to combine in with my broccoli and shrimp creation from final evening. Eat this in my mattress whereas watching extra Mindhunter.
9 p.m. — FaceTime the boyfriend who tells me to fall asleep. I hear and cross out instantly. Such an extended week!
Daily Total: $193.74
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