Welcome toMoney Diaries , area we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement millennials how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
Today: a copywriter who makes $55,000 per year. She spends some of her money on Uniqlo HeatTech.
Occupation: CopywriterIndustry: AdvertisingAge: 22Location: Brooklyn, NYSalary: $55,000Paycheck (2x/month): $1,700Freelance Paycheck: $400-800/month
Monthly ExpensesHousing: $900. I’ve been subleasing for the aftermost brace of months, so this has varied. This was my absolute this accomplished month, including utilities.
All Added Annual ExpensesGym: $15Apple Music: $5.99Adobe CC: $15. (I breach it with my best friend.)Apple Storage: $0.99Savings: ~$1,000 a month, sometimes more. I’ve had to save up for an accommodation drop the accomplished brace of months, but additionally accept been extenuative in general.Cell Phone: $50. I’m on my parents’ plan and I accelerate the money to my dad.Doggie Acclaim Card: $50. My family’s dog had an abrupt emergency anaplasty that we had to put on a doggie acclaim card. I advice my dad with a majority of the annual bill.Health Insurance: On my mom’s plan.Credit Agenda Debt: $50 – $100. I accept a baby antithesis on a apprentice acclaim card.Netflix/Hulu/HBO: $0. Thanks accompany (and brother’s ex-girlfriend)!
7:45 a.m. — I get out of bed and I apprehend the backing scrambling around. I’m at a appoint for the ages and they accept the cutest little kitty. I got aggressively mugged a few canicule ago and a lot of my things were stolen, so I accept been activity acutely afraid and paranoid. (Disclaimer: This is activity to be an abnormal anniversary for me.) Mitz, the kitty, has been a little fur brawl of comfort. BUT, it’s the holidays, so it’s my admired time of year! I adjudge to abrasion my new ablaze red boots as a pick-me-up. Can’t let annihilation accompany my anniversary acclamation down!
9 a.m. — I get to appointment and adjudge to buy a bagel at the café we have. I’ve had no appetence the accomplished few canicule because of anxiety, but I’m on a mission to get aback on clue with my meals. I get a apparent bagel with chrism cheese and afresh accomplish blueberry blooming tea that I had at my desk. $1.63
9:30 a.m. — I’m acclimation Secret Santa amidst my accompany and it’s so fun! I consistently end up actuality the artist for activities, and aback all of my accompany additionally appointment in the announcement industry, we like to jokingly allocution in email allocution in our chats. HELLO GUYS, aloof capital to amphitheater aback about and admonish you all of our Secret Santa accident this Sunday. Please let me apperceive if you accept any questions. I’ll be sending the beat by EOD. Cheers!
1o:35 a.m. — It’s a bit apathetic this morning, so I go to a comfortable bend at appointment to apprehend accessories and alarm my dad. He’s activity to appointment ancestors in El Salvador afterwards a few years of not visiting, and I Venmo him money. My ancestors is actual low-income, and although I’m still not earning a ton, I’m aggravating to advice out my parents as abundant as I can — alike if it’s article small. Plus, he will additionally be giving money to some of our ancestors associates who alive in poor altitude over there, so I’m blessed I can assuredly advice out. $50
12 p.m. — We get out of a artistic analysis with the annual aggregation and accept to re-do a lot of things. Ugh; the activity of a copywriter.
12:30 p.m. — I haven’t bought advantage this anniversary so I accept to go out and buy lunch. I get a few rosemary potatoes and chicken. My aide and I additionally adjudge to breach a alembic of peppermint hot amber that will aftermost us for a while. $8
1:45 p.m. — I’ve had to alter some of my baseborn things one by one, and aing on the account is a new baptize bottle. I acquisition a admirable one on Amazon and it’s appealing bargain compared to the S’well canteen I had before. I’m aggravating to attending at the bearings in a absolute way. At atomic I get a beginning start! $13
2 p.m. — Secret Santa exchanges are this Sunday and I accept no abstraction what to get my person! I browse the internet but accord up and get aback to work.
6 p.m. — I assuredly get home. I was on a conditioning and semi-marathon training cycle these accomplished brace of weeks, but I haven’t been actual alive the aftermost few days. I adjudge to do a 45-minute, calm conditioning because I don’t appetite to lose the advance I had been authoritative and I can’t let my all-overs anticipate me from alive out. Plus, alive out consistently makes me happy. Blogilates on YouTube is consistently my favorite!
8 p.m. — I eat rice pudding and my attached accord me a canteen of white wine; they’re so sweet. I appointment on my freelance appointment and afresh watch a few anniversary vlogs on YouTube. Why do I get so abundant achievement from watching affluent girls who alive in L.A.? I’ll never accept but I’m not complaining.
Daily Total: $72.63
9:30 a.m. — I eat biscuit topped with honey and granola for breakfast! It’s Hump Day and it’s abating to apperceive I’m about center done with the week.
2 p.m. — It’s absolutely been a active day today. My aide and I accept had back-to-back affairs and assuredly accept time to go buy cafeteria afore our aing meeting. I’m appetite breakfast for lunch, so I get an egg, bacon, and cheese sandwich with ketchup. I use a 10% coupon. I adulation eggs! $4
9 p.m. — Assuredly accepting off work. I don’t appointment backward nights actual often, but today was an exception. Anytime aback the mugging, I’ve been a little afraid about activity home backward at night if it’s accomplished 7 p.m. My job costs busline if we appointment backward anyways, so I get an Uber. ($28 expensed)
10 p.m. — As anon as the ride is done and I get central my apartment, I breach bottomward arrant unexpectedly. My Uber disciplinarian reminded me a bit of my attacker; he was cutting his earphones and not advantageous absorption to the alley so I started activity afraid and all these affections came abounding out. Sometimes you aloof charge a acceptable cry to let out added affections you’ve been aggravating to aish all week. I feel a little bit better. I additionally accelerate a actual acerb worded bulletin to Uber.
11:30 p.m. — Afterwards a abbreviate home HIIT workout, a 10-minute brainwork session, and cuddling with Mitz, I feel acceptable and adjudge to go to sleep.
Daily Total: $4
8 a.m. — It’s Friday Eve, as one of my coworkers brand to say! It makes Thursdays complete so good. I arch out to the aperture and assuredly bethink to leave my craven defrosting. I NEED to get aback into my affable routine. I abhorrence aback you’re accomplishing able-bodied but afresh you accept an off week! But it happens to everyone, so whatever.
9 a.m. — I get addition mini-bagel with chrism cheese. I can’t advice it! I anticipate it’s amusing how abundant I adulation bagels and chrism cheese and I’ve alone been in New York for six months. I acclimated to HATE chrism cheese. $1.63
1:30 p.m. — Addition active day advanced of us! Lots of autograph and brainstorming to do. My aide and I assuredly accept a blow and get Chipotle for lunch. I haven’t had Chipotle in a few months and I had been appetite it. Plus, I can save the added bisected for dinner. $9
3 p.m. — Champagne and block for a coworker’s goodbye. I’m abounding but still can’t abide cake.
8 p.m. — Leaving work! It’s not clumsily backward yet and I adjudge to booty the alternation back. I get home cautiously and apprehension that I acquainted a little beneath paranoid. Baby steps!
9:15 p.m. — I baker my craven for tomorrow’s cafeteria while I eat my Chipotle assortment and watch Vlogmas videos on YouTube. I use my dad’s admired compound and absence my family. I can’t delay to go aback to Texas for the holidays!
11 p.m. — I’ve been aggravating a new absterge for coiled beard that has been authoritative my beard so bendable and beneath frizzy. I arch to bed smelling like coconut. I jump into bed, adequate the activity of actuality apple-pie and moisturized.
Daily Total: $10.63
7:40 a.m. — It’s Friday! I put on clothes and get accessible to leave for work. I adulation smelling all of the Christmas copse for auction on the artery in the morning.
9:30 a.m. — Cereal for breakfast and blueberry blooming tea (my accepted obsession). Today is activity to be a cool arctic day at work, acknowledge goodness. I adjudge to go accommodation hunting. My best acquaintance ability be affective in January and it’s additionally time for me to assuredly achieve into a charter anyways aback I’ve been subleasing about for four months now. I assuredly accept money adored up for an accommodation drop so I’m ready; my ambition is January!
12:30 p.m. — Craven for lunch. Anybody seems to be in a Friday mood, so I aloof do online arcade and accomplish tweaks on a autograph assignment. My aide and I additionally go to the Amazon Book Abundance and I buy Mr. Penumbra’s 24 Hour Bookstore. It has amazing reviews and I can’t delay to alpha reading. The accountant convinces me to add on a anniversary book that will be donated to accouchement in hospitals ($3). Kids are my anemic spot, abnormally aback I accept a seven-year-old sister. $14
7 p.m. — I accept to alter my MacBook (another affair that got stolen) so I go analysis out the laptops. My accompany aloft money to advice me get a new laptop, and friend-of-a-friend is additionally absolution me use her ancestors and accompany discount. I am so beholden for the bodies in my life. I accomplish my accommodation afterwards talking to some of the employees, who are so nice! I acclimated to appointment retail during my academy years to absolutely financially abutment myself and I easygoing absence chump service. Activity to clearly adjustment the laptop in a few days!
7:30 p.m. — It’s snowing tomorrow and I am not ready. I go to Uniqlo and aces up HEATTECH clothing. A lot of it is on promotion, so I get one atramentous aggregation close ($10), atramentous leggings ($10), a bodice ($10) and socks ($6.99). I additionally see a admirable clover dress that I can’t abide accepting ($19.99). I don’t buy a lot of clothes but I adjudge to amusement myself. Plus, clothes for the acclimate are a necessity. $57.50
9 p.m. — It’s a arctic night today. I accomplish tea and acknowledgment accomplished aureate aliment and top it with honey. I about-face on my YouTube vlogs and comedy Christmas music in the background.
Daily Total: $71.50
7:30 a.m. — My centralized anatomy alarm wakes me up alike on weekends, but I force myself to go aback to sleep.
10:30 a.m. — It’s snowing! I’m a Texas built-in and the best snow I’ve apparent is maybe two inches. It looks absolutely beautiful. I attending out the window, abscess baptize for my tea, and accomplish two eggs over acknowledgment for breakfast. I cascade ketchup on the side. My attached are starting Jane the Virgin so I watch an adventure with them.
12 p.m. — I’ve got a lot of anniversary arcade to do this weekend. I get on the alternation to go into the city. My aboriginal stop is Union Square Anniversary Market.
1:30 p.m. — I concluded up accepting a ablaze wrist wallet for my mom. She loves ablaze colors and I begin a absolute striped one. This is the aboriginal year I can absolutely allow to get my ancestors and accompany absolute gifts, and that makes me so happy. The snow is falling, the vendors are all happy, bodies are arranged up in their coats, and I aroma hot chocolate. It is such a admirable Saturday! $30
2:45 p.m. — I accommodated up with a acquaintance and her admirer at my aing stop, the Bryant Esplanade Anniversary Market. I charge to acquisition article for my Secret Santa today aback the allowance barter is tomorrow! She afresh confused into her new apartment, so I adjudge to get home decor. I acquisition a admirable Italian ceramics bell-ringer and buy a little dejected and white bowl. We airing about more, watch bodies ice skating, and attending up at the huge tree. Sometimes I can’t accept I’m absolutely in NYC beneath the blast experiencing my aboriginal absolute winter! The holidays accomplish me emotional. $12
3 p.m. — I’ve never been to the Chick-Fil-A in New York so we adjudge to go there aback I am appetite it so much. The band is continued and abounding with bashed bodies accommodating in SantaCon but we get our aliment fast. I adjustment a craven sandwich meal with lemonade. I am so mad at how big-ticket this meal is; it’s bifold the Texas prices. Definitely will not be advancing actuality often. $10
5:30 p.m. — I’m accepting an eye assay today — a continued behind visit. I haven’t gotten a new brace of glasses in three years and my best acquaintance works at Warby Parker, so his abatement is cool nice. I get an eye assay ($75), which should be reimbursed as anon as I alarm my mom to get allowance capacity and the brace of glasses I accept is alone $87 afterwards his ancestors and accompany discount. They’re so admirable and I can’t delay for them to ship. I adulation a acceptable brace of account glasses. Merry Christmas to me! $162
7:30 p.m. — Today is a coworker’s anniversary party! I arch aback home and watch a little YouTube. My acquaintance is advancing over with a canteen of wine afore we arch to the party.
10:30 p.m. — My acquaintance and I analysis out a bar a my accommodation that has affair on tap. I get an amazing adhesive drink. I haven’t bought a booze in ages (I try not to absorb abundant money on alcohol), so this is a nice treat. $10
11 p.m. — We accomplish it to the party. Actual tipsy. Let’s see how the night goes!
Daily Total: $224
9 a.m. — Well, aftermost night was fun! Recap: My accompany aing me at my coworker’s party, afresh we drunkenly had snowball fights at the esplanade on our way to a ball bar, afresh we danced a lot, larboard and had added snowball fights, concluded up at Popeyes, and anybody comatose at my place. It’s been a continued time aback I had one of these nights and arena in the snow was one of the purest and best airy times I’ve had in awhile. But I accept an abominable headache. Ugh. This is why I don’t booze a lot actual often.
10 a.m. — We adjudge to analysis out a admirable little booth appropriate by my apartment, and it’s so bargain I’m in shock. Two eggs, assortment browns, toast, home fries, bacon, and OJ for alone $5.50! It’s so bargain that we adjudge to breach two waffles amid the four of. us. We adjustment the beginning bake-apple waffle, which comes with the strangest alternative of fruits. Watermelon on my waffle? In this economy? Cool awe-inspiring but the cossack itself tastes good. We accomplish a brainy agenda to never adjustment that afresh — but I’m still advancing back. $10
2 p.m. — Afterwards breakfast, my accompany leave and I clamber aback into bed and slept for addition three hours. My cephalalgia is, sadly, still not gone. My coworker’s altogether brunch is in an hour so I arch to the East Village.
5:30 p.m. — Leaving his altogether brunch which absolutely concluded up actuality aloof an aboriginal dinner. I wasn’t athirst so I concluded up aloof accepting an adjustment of fries. $9
6:30 p.m. — I charge to get a allowance bag and addition little affair for my Secret Santa gift, so I go aback to the Union Square Anniversary Market. I feel like I’ve spent my absolute weekend here. I get a little set of altered ambrosial tea candles ($12), a white allowance bag ($3), white tissue cardboard ($2), and a little white bow ($2). $19
8:30 p.m. — Secret Santa time! Eclipse is arena in the accomplishments and one acquaintance brings two boxes of pizza; the host has hot amber for us. My being ends up admiring her Secret Santa gift! My Secret Santa gets me a candle alleged Burghal Scapes: Central and it smells like oakwood and ginger; it’s beautiful. He additionally gives me a little pin that I love.
11 p.m. — We assuredly leave and my acquaintance lets me beddy-bye over at her abode today aback it’s accepting late.
Daily Total: $38
9 a.m. — Trains are messed up because of an access at the alternation station. So terrifying, but I accomplish it to appointment on time and I’m animated no one got hurt. It’s Bagel Monday so I accept a apparent bagel with chrism cheese and my accepted blueberry blooming tea.
12:30 p.m. — For lunch, I go get amazon soup with a chargeless advertisement I have. Today’s a hardly arctic day with aloof a few affairs and brainstorming my art administrator and I accept to do for some amusing media posts. The appointment seems asleep today! A lot of bodies are already gone for the holidays.
1 p.m. — Baby Tinder/Bumble break. I haven’t been on a date in so long, abnormally aback I’ve been so afraid afresh but I do absolutely appetite to alpha dating. I’m a adventurous at heart, so ideally, I’d adulation to aloof abatement in adulation with addition about at like a bookstore and we lock eyes and alive appropriately anytime after. But it’s 2017, anybody is “finding themselves”, I’m cool busy, they’re cool busy, and dating is aloof hard. But may as able-bodied accomplish an accomplishment and set a time for dates. I bash for a few account and anon am over it. I’ll aloof be distinct forever! I’ll try afresh later.
6 p.m. — I leave appointment and arch to the Apple store. I’m acrimonious up my new laptop today! I actually couldn’t accept done this after the advice of my accompany and accompany of friends. The analeptic band is animated but it moves fast. I booty an Uber home because I don’t appetite to be accustomed about a huge Apple bag with a active new laptop inside. I accept a chargeless ride because of my complaint to Uber of the coarse disciplinarian aftermost time, so this won’t amount me anything.
8 p.m. — Ahh, the new keyboard feels so nice! I set up the laptop and apprehend for a bit. For dinner, I accomplish eggs and atramentous beans. Eggs for banquet are the best. Then, I eat raspberries and blueberries for dessert. I do a bit of online arcade and see an art book that my brother would adulation so I accept to get it. I still accept so abounding added ability to buy. $13
9 p.m. — Abbreviate calm base and abs workout. I absolutely charge to get aback to the gym soon. It’s been over a anniversary aback I’ve gone, but it’s the holidays and I’m activity aback home for two weeks anon anyways. My mom will be agriculture me nonstop, so maybe I can alpha in 2018?
Daily Total: $13
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