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A Week In St. Paul, MN, On A $130,000 Salary

(Last Updated On: January 10, 2018)

Welcome toMoney Diaries , the place we’re tackling what is likely to be the final taboo dealing with 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.

Today: a VP of scholar affairs who makes $130,000 per 12 months. This week, she spends a few of her cash on Pepto for teenagers.

Occupation: Vice President, Student Affairs
Industry: Higher Education
Age: 39
Location: St. Paul, Minnesota
Salary: $130,000
Full-Time Paycheck (2x/month): $2,787 (fundamental job)
Freelance Paycheck (Once Per Month): $750

Monthly Expenses
Housing Costs: $1,426. I personal a home with my husband and two children.
Student Loan Payments: $670 in scholar loans

All Other Monthly Expenses
Cell Phone: $180
Cable & Internet: $170
Utilities: $175
Gym Membership: $120
Car Insurance: $80
Roth IRA: $250

Day One

eight:15 a.m. — My husband is answerable for getting the youngsters out the door to high school, so I sleep in as late as potential after which hustle to get to work on time. On the way in which to the school campus the place I work, I hit the McDonald’s drive-through for a big Diet Coke and a sausage biscuit. McDonald’s Diet Coke makes my morning potential. $four.74

10:15 a.m. — I’ve a fast break in between conferences, so I perform a little on-line purchasing. I am a kind of people who has completed Christmas purchasing by October, however I see a Liverpool FC t-shirt my husband will like, so I order it and ensure it will get shipped to my workplace. My husband is a stay-at-home dad so he is dwelling many of the day, which makes hiding on-line purchases difficult. We’re actually open about monetary stuff, however the holidays are nonetheless a time for a bit minor sneakiness. $27.50

2:45 p.m. — I am in conferences all day, however am out of the blue so hungry I really feel like I would barf. I’m going to the cafeteria in school and get a cup of soup and half sandwich. I am too hungry to be irritated at how overpriced our cafeteria is for a way boring the meals tastes. $9

5:15 p.m. — Tonight is “snack-dinner movie night” at dwelling. I make popcorn on the range and a frozen pizza for dinner for the youngsters, together with a bowl filled with Halloween sweet to nibble on. They select Mary Poppins from OnDemand and I lease it for $2.99. My Friday nights are significantly inexpensive than they was! $2.99

Daily Total: $44.23

Day Two

eight:15 a.m. — The weekend begins with a visit to the YMCA. The children go to the childcare space; two hours are included with the household membership, which is a good deal contemplating two hours of babysitting would run us no less than $20. I hit the pool for some laps and purchase a bottle of water from the merchandising machine once I’m executed. $1.25

10:35 a.m. — My husband is working at his part-time job at a sporting items retailer, so I drag the youngsters to Costco. We are out of mainly every part, so I replenish on meat, bathroom paper, snacks, nutritional vitamins, laundry cleaning soap, and extra. After we store, we hit the meals court docket for the $1.50 scorching canines and share a $1 churro. I am amazed at how straightforward it’s to spend over $200 on meals and home goods. I grew up very poor, and was wildly in debt in my 20s, so generally it nonetheless looks like magic that there’s at all times sufficient cash within the checking account for groceries or no matter else we’d like. $254.89

1:30 p.m. — I take the youngsters to a non-public indoor park to allow them to run off some power. While they play, I work on a contract article. Even although my job pays fairly effectively, I really feel safer if I’ve more money coming in, so I’ve a facet hustle. I am going to make $150 as soon as the article is completed, so $16 for park admissions looks like a very good funding. $16

Daily Total: $272.14

Day Three

11 a.m. — My husband and I attempt to ensure we every get some alone time every weekend, so I head out to an area espresso store with my laptop computer. I get an iced espresso and work on my actually horrible first try at a novel for a couple of hours. $four.50

1:15 p.m. — I discovered the proper, cozy tunic-length sweatshirt high (with pockets!) on sale on-line a couple of weeks in the past. At $14 every, I order two extra colours and take a look at to not really feel crabby in regards to the $7.95 transport fees. I do not succeed. $37.84

1:45 p.m. — My fuel gentle is on so I cease for a refill of my 2010 Subaru. My automobile has been paid off for a couple of years now, and is shortly approaching 100,000 miles. It’s been completely dependable, so I am hopeful we’ll get no less than one other 5 years out of it earlier than we have now to interchange it. I have been attempting to place a bit cash apart every month towards an eventual automobile substitute, however I nonetheless owe over $65,000 in scholar loans from grad college and undergrad so I’ve a tough time not eager to throw all my more money at these loans as an alternative. $35

Daily Total: $77.34

Day Four

7:30 a.m. — McDonald’s Diet Coke once more. Hello, lover. I do not get any meals at the moment as a result of I have been promised that there can be bagels at my first assembly of the day at work. I’ve by no means been one to show down free carbs. $1.08

12:15 p.m. — I meet up with a colleague from one other faculty for lunch. I get the salad bar and one other Diet Coke. My lunch date is newly married and a few decade youthful than me. We find yourself speaking about children (she’s on the fence about having them) and I shock her by telling her how a lot daycare and preschool price in our space. My daughter began kindergarten this fall and the truth that we not have a $904 month-to-month preschool invoice has been wonderful for our funds. $17.58

6:15 p.m. — I am pooped once I get dwelling and my husband is headed out to his drop-in artwork class ($20), so I make a last-minute dinner determination to get Chinese delivered. I order one soup and three entrees. We’ll simply get three meals out of this, so I pack up among the lo mein for my lunch tomorrow. $35.12

11:45 p.m. — My son wakes us up as a result of he has barfed in his mattress. My husband begins clear up duties and I drive to the drug retailer to get Gatorade and youngsters Pepto. I accurately predict that we’re in for a tough evening. I find yourself sleeping on my son’s ground for many of the evening. $11.63

Daily Total: $65.41

Day Five

11:45 a.m. — After a crappy evening of sleep as a consequence of my son’s abdomen bug, I name in sick to work to compensate for sleep. Once I get up, my husband goes to the YMCA for a run and I order supply of soup and bread from Panera. I give my son some applesauce we bought at Costco over the weekend and hope I do not catch his bug. $14.45

2:45 p.m. — I lease a Harry Potter film for the sick kiddo and we cuddle up on the sofa to look at it. I discipline work emails on my telephone for many of the film and keep in mind to approve time sheets for my direct studies so that they receives a commission. $three.99

Daily Total: $18.44

Day Six

7:45 a.m. — I get breakfast at Panera (a bagel sandwich and a Diet Coke) utilizing a present card. I take advantage of a bank card with rewards factors for nearly each buy after which each couple of months, money these in for a present card to Target, Starbucks, or Panera. We by no means carry a stability on the cardboard, so the $100 present card looks like free cash. I spend 30 minutes engaged on my novel earlier than I head into work.

four:30 p.m. — After a traumatic day at work, I perform a little on-line purchasing earlier than I head dwelling. Do I want $26 price of latest pens? No. But shopping for artwork provides is soothing and cheaper than remedy. I additionally order a bottle of lube, grateful to the gods of on-line purchasing that I haven’t got to purchase that when I’ve my children in tow at Target. $36.75

eight:15 p.m. — My son’s college is doing one other discipline journey, so I tuck the sector journey payment into his lunch field. We’ve been again at school for lower than 4 months and that is his fifth or sixth discipline journey. I am glad he will get to do enjoyable stuff, however I do not know the way some households afford the extras for stuff like this. The price of this one is $5 for the bus, however we put in an additional $10 for scholarships in case there are children who cannot afford it. $15

11:45 p.m. — I get an e mail from Planned Parenthood requesting a donation, so I give $50. I am attempting to be extra constant in our charitable donations however we’re nonetheless not as beneficiant as we in all probability must be. $50

Daily Total: $101.75

Day Seven

7:56 a.m. — Diet Coke and a yogurt from the college cafeteria. I actually need to begin consuming breakfast at dwelling, however college days really feel a bit chaotic and I attempt to not preserve soda in the home so the youngsters do not ask for it. Thankfully, the youngsters each get breakfast in school (free for all children in our district) so I haven’t got to fret about feeding them. $three.21

11:45 a.m. — My assistant makes a espresso run, so I give her $5 and he or she brings me an iced latte. Just the factor I must get by way of a funds assembly this afternoon. $5

eight:45 p.m. — Registration opens for some child actions for the winter. I signal my son up for indoor tennis and a robotics membership. My daughter will get tennis, ice skating, and neighborhood ed tumbling courses. I am at all times looking for the stability between not over scheduling them and giving them probabilities to attempt new issues. I am guessing I am going to must put aside one other $50 for brand new ice skates for my daughter earlier than classes begin. $260

9:15 p.m. — Last summer time, we went to household camp for every week and it was wonderful. The camp is tremendous fashionable, so that they maintain a lottery for registration spots. I put down the $150 deposit and cross my fingers that we’ll get fortunate within the lottery. If we get a spot, it is going to price us just below $2,000 for the week, however I’ve already bought cash put aside for that. I work over 60 hours every week, so I look ahead to that trip all 12 months lengthy. $150

Daily Total: $418.21

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