Welcome to Money Diaries, area we’re arrest what ability be the aftermost anathema adverse avant-garde animate women: money. We’re allurement women how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
Today: a claims investigator animate in bloom allowance who makes $48,000 per year and spends some of her money this anniversary on a Venti Starbucks Coffee.
Occupation: Claims Investigator Industry: Bloom Allowance Age: 27 Location: Pittsburgh, PA Salary: $48,000 Paycheck Amount (2x/month): $1,286
Monthly ExpensesRent: $630 $25 pet fee (I animate abandoned in a one-bedroom)Student Loans: $450 (I still pay these alike admitting I’m in deferment)Utilities: $150Car Payment: $230Bus/Trolley Pass: $60Car Insurance: $62Cell Phone: $91Internet: $68iCloud Storage: $0.99Netflix: $0 (my dad pays for this and I pay for the others)Spotify Apprentice (Showtime & Hulu Included): $5.34HBO Now: $16.04Payment Plan for EDC Las Vegas 2020: $60Medical, Dental, Vision Insurance: $36 ($18 deducted from anniversary pay)401(k) Contribution: $220 (6% anniversary paycheck, employer matches up to 6%)
9:30 a.m. — My dog wakes me up by putting his base in my face. I ask if he wants to go outside, but all I get aback is a agape attending like he has no abstraction why I would ask such a question. I apprehend O., one of the brace of men on my agenda (if you don’t get this reference, watch That Awkward Moment), texted me at 1 a.m. aftermost night allurement me to appear over so I acknowledge giving him bits and allurement if he’s alive. My dog assuredly settles bottomward and we alluvion aback to beddy-bye for accession hour.
10:30 a.m. — I’m awoken from my coma already afresh but this time by the elephants admiral stomping around. This appears to be the new accustomed aback my acquaintance got a new roommate. It’s boilerplate abreast as bad as my old neighbors so I aloof beam and buck it. While I’m up absolution my dog outside, I about-face on the TV for some accomplishments babble and annal through amusing media. I additionally absorb some time action through the emails that accept accumulated overnight.
12 p.m. — I’m action to see a cine with my dad today, but my abode is freezing so I delay until the aftermost accessible additional to get out from beneath my three blankets to battery and get ready. I don’t pay the baptize bill at my apartment, so I booty abounding advantage and booty a long, hot shower. I put on some CeraVe moisturizer and bound dry my beard because my dad texts me and asks if I’ll be accessible beforehand than planned (typical).
12:45 p.m. — While active to the cine theatre, my dad interrogates me about what “boyfriend” I’ll be seeing tonight (he knows me too well) and asks me about the MBA affairs I got into that I’ll be starting in January. In archetypal dad fashion, he makes abiding the added apprentice loans are annual it in the continued run and I assure him it is, abnormally aback my accepted employer has a actual acceptable [$6k/year] allegation agreement program.
2 p.m. — Cine Time! Anytime aback I was a kid, my dad and I accept affirmed over movies. We’re action to see the new Maleficent cine today. My dad pays for both tickets aback he has an AMC cine pass. The cine ends and my dad drives us aback to his abode area we aces up his puppy and arch over to the dog esplanade to absolution some of that Husky Pup energy. O. texts me on the drive aback to my dad’s and we accomplish affairs for me to beddy-bye at his abode tonight aback tomorrow is one of my appointed assignment from home days.
6:30 p.m. — My dad makes us breakfast for banquet (my fave!) — farmers bazaar eggs, thick-cut brindled bacon, and accomplished aureate toast. We eat banquet alfresco abutting to the blaze pit while sipping on some acicular hot cocoa. My dad drives me aback to my abode about 8. I ablution some dishes, bundle with my pup for a bit, afresh arch over to O.’s for the night.
9:30 p.m. — O. surprises me with my admired attic beer aback I get to his abode — I knew I kept him about for a reason. We watch the Watchmen premiere on HBO and as anon as the credits roll, we’re all over anniversary other. Sex with O. actually never gets old or boring. Besom our teeth calm and canyon out by 11.
7:30 a.m. — I’m afraid to see O. aback my aboriginal anxiety goes off this morning aback he was determined that he was action to get up at 5:30 and go to the gym afore assignment this morning. O.’s aboriginal anxiety for the day goes off appropriate afterwards mine, we catnap both until 8. O. gives into my whining and we bundle for 15 added annual afore he all-overs in the battery and I drive aback to my accommodation to alpha animate for the day.
10:30 a.m. — My abdomen was glottal during my absolute morning affair so I whip up a little breakfast of low-fat cottage cheese with bake-apple and beverage my additional cup of atramentous coffee for the day.
1 p.m. — I calefaction up some added addle craven pizza for cafeteria that V. (#2 on my roster) ordered on Saturday and accomplish myself a third cup of coffee…coffee is acceptable for you right?!
5:30 p.m. — I get ashore online afterwards than I had planned and absence the hot yoga chic I was action to go to tonight, so I adjudge to accumulate the drive action and assignment until 6:30 so I can accomplish it to hot yoga at a altered studio. I forgot that my gas ablaze came on during my drive home from O.’s this morning so I stop to get gas and cantankerous my fingers I won’t be backward to class. $33.67
7 p.m. — By a achievement a acceptable luck, I acquisition a parking atom abutting to the studio. I analysis into chic and am blessed to see that I still accept bristles classes larboard in my package, so I won’t allegation to buy added this time (student amount $80/10 classes about lasts me three or four weeks).
9 p.m. — Home to battery off the diaphoresis and accomplish a quick sandwich for banquet with craven breast, pepper jack cheese, spinach, and habanero mayo afore abrasion my teeth and accomplishing my simple caliginosity adorableness accepted (Pixi Glow Tonic Cleansing Gel, Clindamycin 1% lotion, and CeraVe moisturizer).
11:30 p.m. — I bolt up on a few shows, about-face my TV off (I can’t abatement beddy-bye with any lights or noise), bung and about-face for 45 minutes, and apprehend it’s gonna be accession hawkeye night unless I booty something. I cantankerous my fingers and achievement one of the Valerian Root supplements works or it’s action to be a shitty day at assignment tomorrow. I abatement comatose about about 2, borderline if it’s the Valerian Root acceptable or not.
Daily Total: $33.67
8 a.m. — I don’t bethink audition my anxiety action off this morning or comatose it this long… I sluggishly get out of bed and try to get the dog to go alfresco in the rain, but he’s not accepting it; we’re acutely on the aforementioned folio this morning. I apprehend that I’m action to be added backward if I booty the bus so I drive to the parking lot abutting to the trolley base and esplanade there for the day. The trolley arrives ~15 annual afterwards and I’m off to assignment (I use my pre-loaded card).
8:45 a.m. — Mobile adjustment from the Starbucks in the basal of my arrangement architecture while boarding the trolley. I can already acquaint I’m action to allegation the added caffeine today so rather than my archetypal Venti Algid Beverage I opt for a Venti Iced Blonde Americano (with two pumps of Sugar-Free Cinnamon Dolce, one pump Sugar-Free Vanilla). My antithesis is low so I reload my Starbucks account. $25
11 a.m. — My boom artisan acquaint a last-minute aperture on his Instagram adventure aftermost night. I’ve been eyeing up a cartoon on his Halloween beam area for a few weeks now and it feels like fate, so I anxiety the flat to accomplish an appointment. While I’m on the buzz scheduling an appointment, he waives the bead (typically $100) aback he knows I won’t aback out and texts me that he’s aflame to see me for our appointment.
1:30 p.m. — One of my assignment accompany had a altogether yesterday, so my bang-up chock-full at a bakery on the way aback from her affair this afternoon and got cupcakes for our team. We sing “Happy Birthday” and eat corrupt cupcakes while blank our assignment for 20 minutes. I try to get aback to work, but admitting accepting a amoroso aerial from the cupcake, I can’t concentrate.
4:15 p.m. — I backpack up my bag to assignment from home afresh tomorrow and stop at the ATM to grab banknote to tip my boom artisan afore communicable the trolley aback to the parking lot to aces up my car ($8). It’s starting to get algid out, so I adjudge to analysis out the sweater alternative at the Salvation Army. I end up affairs six sweaters ($26). $34
6 p.m. — I baker myself some craven breast, spinach, pesto pasta, and accomplished aureate garlic aliment for dinner. I relax with a bottle of wine that V. bought me on Friday and eat my banquet while watching an adventure of American Horror Adventure 1984. I additionally argument with my best friend, H., about affairs for the weekend. I got appointed to assignment at my part-time confined job on Saturday for the academy football accession bold but still accede to go to a Halloween affair with H. on Friday.
11:30 p.m. — I do tonight’s skincare routine. I additionally booty accession Valerian Root supplement bolus (I’m still not abiding if it works but I’m accommodating to accord annihilation a try). I annal through amusing media and dating apps until I abatement comatose about midnight (right now my ambition is to body a roster, not attending for love).
Daily Total: $59
7:30 a.m. — The aboriginal of abounding alarms go off. I catnap this anxiety and anxiety my dog in from his bed on the couch to bundle with me until I alpha working. I bang myself bottomward on the couch and log assimilate the arrangement about 8. I don’t accept any affairs today so I will be able to breeze through my assignment rather quickly.
12 p.m. — Instead of demography my appointed half-hour for lunch, I backpack up my laptop and arch to my dad’s abode to do the laundry that I’ve accumulated over the accomplished two weeks. Argument O. and accomplish affairs to absorb the night with him afresh tonight.
5 p.m. — I get home and my dog is all over me because he can aroma my dad’s puppy. I feel bad for abrogation him forth for bisected of the day, so we booty a continued airing afore it gets aphotic outside. Already we’re back, I calefaction up a chipotle craven sausage and buzz Brussels sprouts with olive oil, salt, pepper, and Marie Sharp’s Habanero Pepper booze (I brought home a ton of this hot booze from my cruise to Belize aftermost April, it’s delicious). O. texts me and says that he’s done with assignment and to appear over whenever, so I battery and arch over to his abode about 8.
9 p.m. — O. sets an anxiety for 5 a.m. tomorrow so he can go to the gym afore assignment — aloof the anticipation of this makes me appetite to cry. I admonish him that alike admitting I’m animate from home tomorrow, I accept a 9 a.m. affair that I can’t miss, so I won’t still be in his bed aback he gets back. O. and I accept sex and are comatose by 10 because we’re basically an old affiliated couple.
Daily Total: $0
7 a.m. — O. is still in bed aback I deathwatch up to go to the bathroom, either he went to the gym and came aback already, or he skipped again. I don’t affliction either way because I still get my morning snuggles. I accept abundant time to stop and get a adorned coffee from my admired coffee boutique on my way home ($7.50) and still accomplish it online in. time for our annual aggregation meeting. In archetypal fashion, we babble for 20 annual afore diving in. It’s abundant animate from home, but actuality the alone actuality on the buzz for this affair is arresting — it feels like I’m consistently arresting accession abroad aback I accept ascribe on a topic. $7.50
12:30 p.m. — Eat a quick bite (spicy hummus, pretzel thins, and carrots). I log off assignment for the day to arch to my boom appointment. Aback I formed this morning, my aggregation doesn’t accept to awning annihilation for me, which I’m abiding they all acknowledge because we’ve been ashore recently.
3 p.m. — I’m one of those bodies who doesn’t apperception the action of accepting stabbed a agglomeration of times in the name of art, but the aback of my arm feels like it’s on fire. My boom artisan mentions during our babble that he’s tattooing at the Expo afresh abutting year and aback we’ve been animate on my sleeve together, we plan for him to do my abutting boom while there!
5 p.m. — We’re assuredly done! We booty pictures of my newest accession for Instagram and blanket up my arm, so the ink doesn’t drain on my clothes on the ride home. I pay the agent ($380 including tip), accord my artisan a big hug, and plan to accommodated up with him in January to get an abstraction bottomward for my abutting tattoo. I’m bottomward the artery from a friend’s abode and bethink that I’ve had her son’s altogether present in my car for a month, so I beat by her abode to bead it off on my drive home. $380
9 p.m. — I allegation accept accidentally dozed off aback I got home beforehand — I consistently balloon how backbreaking accepting tattooed can be. I bare my boom to ablution it and administer attic oil, afresh complete my nightly accepted and go to beddy-bye early.
Daily Total: $387.50
8 a.m. — I get accessible for assignment and am able to bolt the bus aback I’m not active backward and am at my board by 8:30. Bisected of my aggregation is off assignment today and it feels like a apparition boondocks in the office.
11 a.m. — I absorb my morning communicable up on emails. It’s the aftermost day for the farmers bazaar in the esplanade by my office, so those of us who are at assignment today booty a quick airing over to grab lunch. I get a behemothic blimp zucchini with auto dill sauce. We all accede that it’s too algid to eat cafeteria alfresco today so aback to our desks we go. $8
4 p.m. — I leave assignment a little aboriginal and stop at the pharmacy to aces up my decree on my way to the bus stop. Public busline is the affliction — two acutely bashed bodies are agreeable at anniversary added the absolute ride to South Side. $20
4:45 p.m. — I appetite to let my beard air dry as abundant as accessible so I battery as anon as I airing in the door. I rarely abrasion make-up, so I try not to go over the top alike admitting I’m action to a Halloween affair (primer, matte foundation, concealer, bronzer, blush, highlighter, countenance gel, and mascara). I additionally coil my beard with my wand.
7 p.m. — H. texts that she aloof ordered Chinese for us, so I appeal an Uber to her accommodation to eat banquet and pregame. We eat banquet afresh get afflicted into our atramentous bodysuits and covering skirts. Apparently, we’re actuality Charlie’s Angels tonight, but you’d accept no abstraction because this is a accustomed action out accouterments for me. $12
9 p.m. — Afterwards a few drinks at her place, H. gets us an Uber to the party. Aback I accept to be up early, so I set several alarms and cantankerous my fingers that I don’t beddy-bye through my shift.
11 p.m. — Tequila makes aggregate better, but I don’t apperceive anyone at this affair aback they’re all H.’s coworkers. Afterwards a few hours, I appeal an Uber home and am in bed by midnight. $15
Daily Total: $55
7:30 a.m. — I’m appealing abiding I’m still drunk… this is gonna be a continued day. I bandy my beard up in a ponytail, besom my teeth, and do the aforementioned composition accepted as yesterday. Aback I was out bubbler aftermost night and parking will be batty abreast the stadium, I appeal an Uber to the bar and somehow accomplish it there early. It’s been over a year aback I’ve formed a academy football bold and I can’t say I’m attractive advanced to it. $11
8:30 a.m. — My friend/co-worker N. and I adjustment Starbucks from Postmates — we use my annual and she Venmo’s me her bisected ($8). Customers alpha to cascade into the bar about 9:30 to alcohol afore the football game. $8
12 p.m. — The football bold starts and aloof like that, the area of the bar that I’m appointed in is dead. It’s been aqueous on and off all morning and starts to rain about 1, so all of a abrupt it picks up again.
5 p.m. — I was declared to bifold today, but it’s not attractive like it’s action to be crazy active afterwards the blitz we had for the bold this morning, so I get cut early. My friend/co-worker B. and I haven’t apparent anniversary added in a brace of weeks, so we accede to break and alcohol calm afterwards our shifts. I delay for my aftermost two tables to abutting out their tabs, do my ancillary work, tip out the bar, and alarm out about 6:30.
7 p.m. — Aback I started afore B. this morning, I get cut afore her, so I sit at the bar and babble with the bartenders until she’s done. I adjustment a Blue Moon from D. (my added best friend/best bartender ever). She won’t let me pay and puts this alcohol on her atone tab. About I wouldn’t break at the bar so long, but I promised I would delay for B. to get off assignment so I bottomward a brace added Blue Moons while I wait.
8:30 p.m. — B. is assuredly off assignment so we can play! B.’s admirer joins us afterwards his about-face about 10. We all accede that it’s been a shitty day, so I adjustment a annular of Auto Bead Shots for the three of us. $30.50
12 a.m. — V. has been texting me to accommodated up all day and I bethink that he mentioned he would be at accession bar bottomward the artery for their Halloween Affair tonight. D. refuses to allegation me for my beers or let me tip her on my agenda so I leave banknote on the bar aback I leave ($20). V. and I accept a few drinks at the abutting bar (cue down-covered tequila brain), but I’ve had a continued day, so we get an uber home (V. pays). Besom teeth, ablution face, canyon out. $20
Daily Total: $69.50
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