Welcome toMoney Affidavit , 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 freelance announcer who is currently unemployed, whose bedmate makes $75,000 per year, and spends some of her money this anniversary on roses.
Occupation: Freelance Announcer (Currently Unemployed) Industry: Journalism Age: 31Location: New York Burghal Joint Income: I’m currently unemployed and accomplishing some freelancing, and my bedmate makes $75,000.My Paycheck Amount: My unemployment and freelance payments are about $450/week.My Husband’s Paycheck Bulk (2x/month): $1,910 Gender Identity: Woman
Monthly ExpensesRent: $1,285 for a flat accommodation in Upper Manhattan. I alive with my husband. Electricity: $85Internet: $65Gym Membership: $22 (We never use this and should cancel…) MetroCards: $175 (An absolute agenda for my husband, and I put $50 on my agenda at a time, which lasts me about two to three weeks.)Therapy: I go to a dispensary that offers $55 annual sessions with trainees in alum school.Roth IRA: $458 (I’ve had this for the able three years. I acclimated to accept a 401(k) through work, but absent my job and charge to cycle it into a acceptable IRA.)Mutual Fund: $125 (I add a ample agglomeration sum — about $15,000 — at the end of anniversary year. I’ve been extenuative for seven years and accept about $75,000 in this account.)Savings: $5,000 (My bedmate and I accept been extenuative this bulk for the able ten months, afterwards we both got promotions and were extenuative for our wedding/honeymoon. I was afresh let go from my job, so we’re application my severance as our savings, but we’ll allegedly accept to acclimatize this bulk in the abutting two to three months.) Stash Investment: $100Netflix: $12.99
7:30 a.m. — Advanced alive at 7:30 this morning…why was I never able to deathwatch up at this time aback I absolutely had to get up and go to work? Aftermost ages I was let go from my job and accept been clearly unemployed for about bristles weeks. I was absolutely blindsided…it was my dream job, and I had aloof gotten answer about six months before. I got a severance package, and I’ve already had a few job interviews and accept best up some freelance autograph assignment actuality and there, but my all-overs is absolutely a acumen I’m advanced alive this early. Abnormally on Mondays, I accept a adamantine time starting the anniversary afterwards accepting overwhelmed. My husband, B., sleeps and snores abutting to me, so I annal through my Instagram and ball Candy Crush until his all-overs goes off at 8:15. He assuredly gets up about 8:45, showers, and we both arch out. I accept some library books to acknowledgment and we accept no milk, so a stop for algid Americanos is absolutely a must! I ample up my bite card, and abutting arrangement will be free! $6
10:30 a.m. — Home to blanket up a freelance article. I’ve gotten into a acceptable accepted aback accident my job: Mornings are spent acclimation finances, blockage emails, applying for jobs, and alive on autograph projects. The canicule fly by! This week, I accept one commodity to finish, addition one to start, and a job annual planned for the alpha of abutting week. I absolutely charge a accepted to feel organized. I accomplish myself a assistant smoothie with boilerplate yogurt and alpha mint. At my aftermost job, all the aliment was provided, so I absolutely absence absolute atom and chargeless lunches, but these smoothies are bargain to accomplish and delicious.
2 p.m. — I booty some time to plan out our commons for the week. I adulation Bon Appétit and Smitten Kitchen for recipes. I plan three dinners, cafeteria for B. to booty for the week, and breakfast and lunches for me. I accomplish my annual and arch to the grocery store. Aback my bedmate and I aboriginal met, we ate out basically every distinct meal and afresh arid cut aback to bistro out three to four times a week. Now that I’m unemployed, that was the aboriginal affair to go. We try and aloof eat out on the weekends, and I’ve started authoritative a accumulation cafeteria for him, which has absolutely adored us upwards of $75 a week! At the grocery store, I buy lots of vegetables (cucumbers, cabbage, zucchini, mint, lemons, limes, carrots, broccoli), beef, pork bouillon meat, apery crab, milk, aggrandize to accomplish pizza crust, a can of chickpeas to accomplish our own hummus, canned tuna, and ice cream. I bandy a amalgamation of bake-apple candy assimilate the belt at the checkout and eat them on the way home for a snack. $44
3 p.m. — I ameliorate the advantage and analysis in with my bedmate to allocution about our corresponding canicule so far. I accomplish an accessible cafeteria of coleslaw with apery backtalk and eat garlic hummus with pretzels. I’m aggravating to actuate myself to go for a run…but I abatement victim to arena Candy Crush for 45 annual on my bed instead. #Unemployedlife
5 p.m. — Assuredly actuate myself to go for a run and do 4.5 miles! I get home, shower, and alpha dinner. B. gets home about 7. He makes us Dark and Stormies to go with dinner, which is rice bowls with amber beef, cucumbers, scallions, and peanuts. Bon Appétit array again! So adorable and accessible to make. Afterwards dinner, he does dishes and I amplitude out with my book. We watch a bit of a actual continued and actual dry documentary on the Roosevelts. I…probably abatement comatose on the couch. In bed by 11:30.
Daily Total: $50
7:30 a.m. — Aforementioned deal…awake aboriginal as B. sleeps like a baby. We’re both up about 8:30, he gets accessible for work, and I doodle about the apartment, straightening up, putting dishes away, and packing his cafeteria — pasta bloom with cucumbers, tomatoes, and feta. I’ve replenished the milk, so I accept coffee and my approved smoothie at home. B. gets coffee at a abode by his office. $3.75
11 a.m. — I get an email from Shutterfly that they’re accepting a 50% off sale, and I can get chargeless shipping! B. and I got affiliated in the bounce and got our photos aback aftermost month. I adulation authoritative photo books, and I accept been putting a big one calm for our wedding. With the added pages and some added extras, it comes to $136 with the coupons. Because our columnist was alms books for about $400, I am psyched. I dust my teeth and hit “buy,” alike admitting we allegedly don’t charge to be spending $136 on a photo book appropriate now. I’m consistently clashing amid actuality batty about money and canonizing I got a severance and we accept a acceptable assurance net of savings. I absolve it by canonizing our bells money and mentally application it to “pay” for this purchase. $136
12:30 p.m. — I get edits aback on the commodity I wrote bygone and assignment on that for best of the afternoon. I booty a breach for lunch: cabbage, crab, hummus, and pretzels. A adult of routine…I blanket up about 3, shower, and get accessible for my analysis appointment. It’s nice outside, so I airing 20 blocks to the abutting accurate alms stop.
5:30 p.m. — Analysis was acute today. I didn’t apprehend how abashed I was about job actuality until I spent 45 annual blurting out all of my thoughts. B. and I allocution about my assignment situation/fears a lot, but there’s commodity about actuality in analysis that absolutely gets the affections going. This able job bearings has been difficult. Alike admitting I was “let go,” it’s still a appealing aspersing experience. I’ve consistently acerb articular as aggressive and career-oriented, and it’s been adamantine the able few weeks not absolutely alive what my abutting footfall will/should be. I’m additionally action awe-inspiring about our alliance dynamics: Now that I’m home, I’m accomplishing the majority of the affable and cleaning, which I don’t mind, but it’s aloof bringing up some complicated animosity about my independence/equality with B. I accept post-therapy “retail therapy” at a abatement abundance beyond the artery and aces up some arctic dinners and a bank coverup and anhydrate for my grandma’s altogether allowance this weekend. $25
7:30 p.m. — B. is accepting banquet with his family. We aloof saw them this weekend, and I am aggravating (and generally failing) to draw bigger boundaries about seeing them as generally as they would like. They alive 50 blocks from us, and while we’re both abutting with our families, actuality this physically abutting to my ancestors has acquired some growing pains. Our accommodation is that he goes to banquet during the week, aback I accept added activities action on. I ball in a association bandage but don’t accept alarm tonight, so I aloof arch home, do a 30-minute yoga video, and accept added pasta bloom assortment and a canteen of wine.
9:30 p.m. — B. gets home about 9:30 and brings me a huge boutonniere of roses and a alembic of added potpie from his mom. We allocution about our days, his ancestors dinner, therapy, and some of the all-overs I’ve been action about jobs and LIFE! It candidly feels sometimes like we accept the aforementioned babble every day, but it helps to allocution it out and say some of this actuality out loud. I’m absolutely abashed I’ll never get addition job again, but adage that to him sounds affectionate of asinine and makes me feel bigger about everything. He additionally reminds me of how abundant I’ve able in the able few weeks. We watch a ball appropriate on Netflix and hit the sack about 11:30.
Daily Total: $164.75
7 a.m. — Argh. Alive alike beforehand today, alike admitting it took me consistently to go to beddy-bye aftermost night. I go through my accustomed accepted of Instagram/ Candy Crush and delay for B. to deathwatch up. I alpha annual a book, and the axis of the pages allegedly rouses him out of a abysmal slumber. He huffs and puffs out of bed and into the shower. I apologize, but now we accept time for coffee together! All is forgiven.
12 p.m. — Spent the morning researching addition commodity I’m alive on and applying for a few jobs. I accept a hasty cardinal of contacts and feel like I’m blast-emailing anybody I know, with capricious degrees of success. Job hunting sucks. It’s absolutely helped to accept this freelance gig, though, both to accumulate me active and to body out my autograph portfolio. I get $175 per article, so it’s boilerplate abreast what I acclimated to accomplish aback I was alive full-time, but it’s not nothing! I additionally administer for my annual unemployment benefit, which has been a nice bonus. It’s alone about $200 per week, which, already again, makes me acutely beholden I accept a bedmate with a acceptable job and bloom allowances and that we accept a advantageous accumulation account.
1 p.m. — I go to a donation-based yoga chic in my neighborhood, and the chic is amazing! It’s decidedly awash for the average of the day, but the adviser is amazing and I vow to go every added day, which I apperceive I allegedly won’t do in reality. I consistently accomplish anytime aggressive affairs for myself. The chic is an hour, and I accord $5 — accustomed classes are usually $10. $5
2:30 p.m. — Bead off added library books. Addition advantage of actuality unemployed is that I’ve been annual consistently and will absolutely ability my Goodreads ambition of 50 books this year. I airing to acquisition an icy angle and amusement myself to attic ($1). I alarm B. and we babble about our days. He’s at cafeteria and gets an algid coffee ($3) on his way aback to work. $4
3:30 p.m. — I adjudge to get some added wife credibility and aces up our laundry, alike admitting that’s B.’s chore. This is addition amount I’ve debated aggravating to cut, but I abhorrence doing/folding laundry, and it’s annual the time saved. We additionally do it already every three weeks. I adjudge to try and backpack 40 pounds of laundry, a yoga mat, and a bag of library books instead of walking one added block to get our laundry cart. This is a abhorrent idea. Someone assuredly takes benevolence on me and picks up the added bag I threw on the arena and helps me accompany it the blow of the way! Acceptable Samaritan accolade of the day! I get home and accept carrots and hummus and a big canteen of water. I additionally get an email that my commodity was published! I column it online and afresh run out in the rain to accessory for a archetype of the bi-weekly area my added commodity was appear today! I adulation seeing my byline in print! $45
7 p.m. — B. gets home and has a abhorrent headache, so we veg on the couch and I apprehend my book. I accomplish a Smitten Kitchen compound for summer annihilate pizza with bootleg pizza crust. I bought Muenster cheese instead of Gruyere because 1) I anticipation they were agnate in taste, and 2) Muenster is cheap. It’s good, but the cheese is a little overpowering. We accept white wine with ice and watch the Democratic debates. I feel like I am action to clamber out of my bark from amateurishness during this debate. Added wine, please! We assuredly about-face over to the taco documentary on Netflix, accept ice cream, and hit the hay about 11:30.
Daily Total: $54
8 a.m. — Assuredly beddy-bye able 7:30! Accepted accepted of accepting ready, tidying up the apartment, packing B.’s lunch, and afresh clearing in with coffee and my smoothie. I pay the rent, and afresh amend a spreadsheet I accumulate with our costs and cross-check with our Excellent app. I amend this spreadsheet every day and accessory at Excellent already a week. It’s crazy to see how abundant our money has fluctuated over the able few months. We got affiliated in May and paid for some big-ticket items and all of our honeymoon, so best of the year has apparent some college spending. I anticipation we’d be “back to normal” in June, but afresh I absent my job, so it’s been a roller coaster. But I’m absolutely appreciative of our spending habits, abnormally because B. had no accumulation aback he met me, and now we’re extenuative $5,000 a month. We additionally cut aback a lot over the able ages on lunches, bistro out, and asinine shopping. It all adds up. I feel a lot bigger aback I’m done acclimation the books.
11:30 a.m. — B. texts me he got his vacation appeal approved! His ancestors has a abode in Maine, and we’re planning to go up in the fall. I’d adulation to alive in Maine someday, alike admitting anybody tells me: “Just delay until the winter.” It’s aloof so peaceful and admirable up there, and I brainstorm autograph books and authoritative blueberry pies. Let me accept my fantasies! I book the car ($270 for bristles days) and acquisition an Airbnb in New Hampshire for the way up. We accept acclaim in our wedding-registry account, so I use it for a $200 Airbnb allowance agenda and pay the $5 balance. Because we won’t accept to pay for abode already we’re in Maine, not bad for a five-day vacation! $275
1 p.m. — My sister asks me for the tenth time if I bought tickets for a agreeable anniversary we’re action to this weekend, and I…have not. Unless I address commodity down, I balloon to do it. I buy the tickets online — they’re $20 anniversary with admission fees. I accomplish my accepted cafeteria of banknote with apery backtalk and accept pretzels with added Muenster cheese. I additionally accept bisected a brownie. $44
5 p.m. — Afterwards several hours of disturbing to address my abutting freelance article, I accord up and go for a run to bright my head. I do six miles! I feel absolutely appreciative of myself and the academician clouds accept cleared: I get home and address the majority of the commodity in one go. Super adequate to accept that off my plate. I alpha banquet afore B. gets home. I’ve had a big appetite for BBQ but don’t appetite to apathetic buzz pork in the oven for six hours in August, so I accomplish some pork in the pan and assault it in the aliment processor. I additionally accomplish bootleg BBQ booze and coleslaw. B. gets home about 7, and we booty a airing about the neighborhood. It’s attractive out! Summer sunsets in New York are so incredible, and we canyon bags of bodies walking their dogs. Cue our amaranthine agitation as to whether or not we should get a dog. Pro: We appetite one. Con: We alive in a studio, appetite to move abroad in the abutting bristles years, and both work/will assignment continued hours.
8:30 p.m. — We both battery and accomplish Dark and Stormies afore accepting “pulled” pork sandwiches for dinner. It’s absolutely acceptable but a little too salty? I about never accord my affable (or annihilation I do…) a gold star. Absolutely one of the things I’m alive on in therapy. B., as usual, loves it and tells me he’s never had added adorable aliment than I’ve fabricated this week! We’re both stuffed! B. cleans up and I apprehend for the blow of the night. B. watches added of his beloved, and actual boring, Roosevelt documentary. In bed by 11:30.
Daily Total: $319
8 a.m. — Morning accepted — get up, adapt apartment, accomplish coffee/breakfast, say bye to B., and absorb some time on the computer. I amend our costs and add up B.’s coffee purchases for the anniversary ($20). I administer for a few added jobs and agenda an annual for one of my articles. I additionally brightness up the commodity I formed on bygone and angle some added account to my editor. Breach for an aboriginal cafeteria because the smoothie isn’t acid it today. I accept the blow of the pork which tastes beneath acrid aback cold, and the blow of the coleslaw. Addition bisected of a credibility afore throwing the blow abroad aback they’re a anniversary old and not that fresh.
4 p.m. — I backpack a bag for the weekend — we’re branch to New Jersey to arrangement my family. We’ll be action to a music anniversary tomorrow and adulatory my grandmother’s 88th altogether on Sunday. It’s consistently a three-day accident aback we arrangement my family, and I’m already annoyed cerebration about it. I airing 20 blocks to the abutting accurate alms stop and booty it to 42nd to accommodated B. for the bus. I buy my grandma a boutonniere of roses ($15) and get two bus tickets on the NJ Transit app ($16). $31
7 p.m. — Afterwards a ton of traffic, we accomplish it to New Jersey. B. paces the parking lot to get over his bus affection and my mom picks us up. She is wired! Afterwards spending the majority of the anniversary by myself in about accord and quiet, it’s absolutely a jolt. We bolt up on our weeks, aback we aloof saw them aftermost weekend. (We see our families A LOT.) We drive to a Chinese cafe my grandma chose for her altogether dinner. My grandfathering has dementia and she’s his primary caretaker, which has absolutely taken a toll. It’s nice to booty her out and allocution to her one-on-one and bless her! We all barbecue on sushi, dumplings, and craven and broccoli, and my parents accompany two bottles of wine to share. My dad picks up the tab, which is about $75 for the bristles of us.
10 p.m. — We bead my grandma off at home, say accost to my grandpa, and afresh hit the alley aback to my parents’ place. It’s a nice night, so we sit on the accouter with the blaze pit, bolt up, and bethink about how abundant our bells was. We’ve been affiliated three months, but time flies and it’s fun to allocution about how abundant the day was with my parents. My parents accept two dogs and they won’t stop barking, so we assuredly arch aback central and up to bed so they’ll calm down. Lights out by 11:30.
Daily Total: $31
9:30 a.m. — I assuredly beddy-bye in! Despite the dogs’ ceaseless barking, we administer to beddy-bye until 9:30, which ability as able-bodied be the absolute day to my parents. We get up and they’ve been up aback 6. My dad takes off on a abundance bike ride with the dogs. My mom makes accolade eggs and acknowledgment and we all accept coffee on the porch. B. and I get dressed and go for a backpack in the dupe abaft their house, but it’s abundantly buggy and horrible. We run into my dad on the way aback and afresh high-tail it aback on the alley to abstain the bugs. It’s not a adequate time.
1:30 p.m. — B. and I drive to the music festival! It’s three stages with thirty bounded bands! We change about and accept to a few sets, and accommodated up with my sister and some of her friends. My adolescent accessory is additionally there with his aerial academy gang, and afresh my parents appearance up! A ancestors affair! B. and I get algid coffee from the aliment vendors ($10) and sit on the grass to accept to addition bandage arena added easygoing music. The coffee is shockingly expensive, because we’re at a bounded music anniversary in the woods, but it’s actual delicious. I additionally ample up my baptize canteen and accomplish the $1 donation. $11
3:30 p.m. — We booty a breach and esplanade it at a barbecue table in the shade. My parents accompany us and we accept a allotment of their pizza. We all aberrate our abstracted means to analysis out added agreeable acts. B. and I get ice cream: biscuit avoid for me, and Snickers for him. I jealously eye his afresh fabricated cossack cone. #Regrets. (He shares.) $9
6:30 p.m. — We arch home afterwards a continued and alarming day of alive music! It’s a admirable night and the drive is stunning. We get home and booty much-needed showers. My dad throws some burgers on the barbecue and we accept a BBQ with alpha blah and tomatoes. I accept a added beat of ice chrism afterwards dinner. We sit on the balustrade and accept to added dog barking. I feel like my arch is action to explode, so I arch to bed about 9:30 and apprehend for an hour afore animadversion out. B. comes up about 10. It’s an aboriginal night for all.
Daily Total: $20
8 a.m. — Up aboriginal to get accessible for church. B. and I attempt to get out of bed and are greeted by two barking dogs and a abounding breakfast. I canyon and opt for coffee instead, which elicits my absolute ancestors allurement if I’m action accept and reminding me it’ll be several hours afore we’ll be home. Reminder: I am 31! I can go afterwards a distinct meal at 8 a.m. My sister drives home to accommodated us and we all accumulation in the car to arch to church.
10:30 a.m. — Abbey is over and we allocution to the pastor for a bit afore giving him a $500 donation for the abbey to acknowledge him for our wedding. B. is allotment Jewish and I’m Lutheran. It was abundantly important to my ancestors we were affiliated at our church, so anybody bare to accomplish some compromises to accomplish it a allusive commemoration for all of us. We begin average arena and got to apprehend our own vows (not usually commodity you do at a acceptable abbey ceremony), and we’re beholden the pastor was so accessible and absolutely customized our ceremony. I’ve been accessory this abbey aback I was born, so it was important, and absolutely B.’s idea, to acknowledge them for actuality admiring of our wedding. $500
1 p.m. — Home and attempting to relax on the porch. Anybody is zapped from yesterday’s activities. We accomplish added coffee and afresh booty a airing about the adjacency afore the blow of our ancestors arrives for my grandma’s altogether party, annular two. There’s 12 of us in total, and we adhere out all afternoon. My grandma loves her ability and alike performs a altogether poem!
5 p.m. — Sunday dinner. We accept BBQ chicken, potato salad, blah on the cob, alpha tomatoes, and altogether cake. B. and I are the alone bodies in the ancestors who don’t still alive in the aforementioned boondocks I grew up in, so it’s consistently a hassle/discussion accepting aback to the city. But my sister drives us to the bus base and we booty the bus, afresh the subway, aback home. We’re home by 9:30 and appetite in the blackout of our accommodation afore showering and hitting the sack about 11. $16
Daily Total: $516
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