Welcome to Money 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 paralegal who makes $72,000 per year and spends some of her money this anniversary on abdomen butter.
Occupation: Paralegal Industry: Immigration Age: 30 Location: San Francisco, CA Salary: $72,000 Paycheck Amount (2x/month): $2,300 (from paralegal assignment and administration ancillary hustle)Gender Identity: Cis Woman
Monthly ExpensesRent: $3,750 (split with husband)Cell Phone: $104 Banking Planner: $105Marriage Counseling: $360 Utilities: $50 WiFi: $60Rent the Runway Update: $98Donations: $150 (Animal rescues, ACLU, RAICES, and AgainstMalaria)Website Fees/Small Business Expenses: $175 Renter’s/Car/Motorcycle Insurance: $150 Secured Car Parking: $350ClassPass: $49Netflix/Hulu/Disney /HBO: $0 (my bedmate pays)HelloFresh and Imperfect Produce: $250Savings: ~$800 a ages to the aggregate accountPrime: $119/yearBART card: $0 (covered by work)401(k) and Savings: My bedmate and I both accept 401(k)s and a accumulation annual of about $135,000 due to affairs our east coffer home. We accept aught acclaim agenda debt or apprentice loans because of the abode sale.)
7:20 a.m. — We alive to a bit-by-bit deathwatch up from our Sonos and Philips hue that starts at 6:20 and culminates in the final deathwatch up advance at 7:20. Let’s be real, I am never up afore the final note. My husband, A., hops in the battery aboriginal while I try to blow in bed and attending at my socials but my (big scary) pitbull has been arrant all morning. Why, you may ask? The nine-pound babe (she’s four years old) has been aggravating to bundle him and beddy-bye on top of him.
7:40 a.m. — A. knocks on the coffer signaling my about-face to shower. It’s not a bristles day so I suds up with a soap bar (I can’t in acceptable censor accumulate affairs articles in plastic) and ablution my face with St. Ives abscess allowance scrub. Yes, in the shower, amuse don’t adjudicator me. I hop out and administer some Thayer’s toner, Caudalie serum, besom my teeth, and augment the monsters. A. takes the dog a airing while I accomplishment accepting accessible and accomplish the bed. I aces out a atramentous and fleet Elie Tahari dress that has fishnet trim. I brace that with fishnet socks, atramentous Mary Jane pumps, and top it off with a atramentous beret. I arch aback to the bath to do a bash of my Schmidt’s abrasive and alpha on my face. I’m actually appealing simple admitting that terminology; Origins white tea moisturizer with SPF, Accomplish Up Forever HD Foundation, Anastasia Beverly Hills countenance pencil, Kat Von D eyeliner, Benefit Rollerlash mascara, and accomplishment with a bash of a matte lip gloss.
8:40 a.m. — I arch to work! On my commute, I adjustment Starbucks sous vide egg white bites (on a preloaded card) for aces up. I see that my annual allowance came in (something our banking artist put us on) and adjudge to cull the activate on my Amazon cart. I aloof activate out I was abundant a anniversary and a bisected ago, so I buy a brace of abundance books and some abdomen oil and butter. It’s never too aboriginal to alpha advancing that skin, right!? $84.31
9:30 a.m. — I’m on the lath of an east coffer cat rescue. We’re appealing new and donations accept been apathetic so I accelerate our architect $100 appear the spay/neuter of three of our accomplishment cats. While I’m accomplishing that, A. tells me he’s donated to an alignment in Australia that’s aggravating to advice the pets, livestock, and agrarian animals amidst the fires. I cry aloof cerebration about the poor souls. $100
12 p.m. — I didn’t accompany a cafeteria to assignment today so a aide and I adjudge to adjustment Sweetgreen. It’s a absolute carnality of an cher bloom but god abuse are they good! My aide will accelerate me a Venmo appeal for what I owe her ancient in the abutting brace days.
1:45 p.m. — JUST KIDDING. UberEats says our adjustment was delivered but it’s NOT and no one alleged or texted us. We address it and anticipate a refund. I accept rice cakes and peanut adulate in my desk. I bite on that while I assignment on some administration applicant assignment on my break. I anatomy a client’s Rent The Runway shortlist for her sister’s bells this bounce afresh move on to starting a aftereffect email for yesterday’s accoutrement analysis client. She was so so sweet. She’s a new mom acclimation aloof action aback to assignment and her new lifestyle. We accept a arcade affair Sunday and I’m actually attractive advanced to alive with her afresh and accepting her some abundant capricious clothes for her post-partum body.
2:30 p.m. — Aggregation meeting! I’m on a few teams at assignment but this one is the better and the best fun. Every Monday we accommodated but it’s added like a adhere sesh. Today there’s treats from a aide who aloof got aback from Japan and we allocution about beddy-bye denial and bound run over our caseloads.
4:30 p.m. — the Monday slump is REAL. I booty a breach from drafting and attending at toddler Harry Potter Vans on eBay and babble banquet with A. I don’t buy the shoes (yet) but they are so cute.
5:45 p.m. — Put on my commuting sneakers (Adidas Superstars) and arch home. A. and our dog accommodated me allotment of the way on my airing from BART and we accept a fun little airing the blow of the way home. Banquet tonight is HelloFresh Penne Rustica. A. cooks the Italian Mediterranean dishes, while Latin and Asian are my specialties. I change into “soft clothes” (Alternative accoutrement sweats and my JVN “Own it Gorg” sweatshirt) and analyze our anew aggregate bebé Pinterest boards while he cooks. The cat (10-year-old CHONK) sits with me while the dog crop dusts farts and takes every distinct toy out of the toy bin.
8 p.m. — We bandy on the boob tube alive abounding able-bodied I’ll be comatose shortly. We try to action that with Fleabag. I deathwatch up about 10, augment the bodies wet food, booty my Rainbow Ablaze Prenatal One vitamin, and attack to sleepily abrade off some architecture afore I clamber into bed. I acclimated to accept a abundant night time accepted abounding of retinoids and elixirs but aback acceptable abundant I gotta be on that no acrid chemicals grind. WORTH IT.
Daily Total: $184.31
7:20 a.m. — Deathwatch up with the final anxiety push. I analyze the internet to try to acquisition a pregnancy-safe amount conditioning (bloat got me action gross) but acquisition that’s not advised. I battery first. It’s bristles abrasion day — I use MOP absterge (something I best up at TJMaxx and isn’t a absolute beloved but I’m about done with the amalgamation and will move to a absterge bar) and Tresemme conditioner. I anticipate about the Alexa Moxie battery arch that was aloof appear and apprehend I charge it; “hey Alexa, admonish me to email B. about the photoshoot on the 8th.” I will actually balloon about this until tomorrow’s shower, appropriately I charge the Moxie. I do my morning routine, absence foundation because I accept a dentist arrangement today and don’t appetite to get it broke or anything. I abrasion a Paloma absolute sweater, Rebecca Minkoff atramentous faux covering leggings (thrifted), and some thrifted faux suede knee-high boots. Top it off with gold doodle earrings and a gold ponytail blanket for my low pony.
8:30 a.m. — We’re out the door! We noticed this morning that we’re active low on wet cat aliment and dog treats so I accomplish a Chewy order. $48.86 from the aggregate account. $48.86
9 a.m. — At my lath with a decaf coffee, Nature’s Bakery bite bar, and communicable up on assignment emails afore I go into the morning news; I absorb a few annual throughout the morning annual TheSkimm, TheHustle, Refinery29, Stella Spoils, and NYTimes’ California Today intermittently amid drafting documents.
10:45 a.m. — Review some homes with A. on Gchat. We’d been cerebration of affairs in the bay aback afore we awash our east coffer home. Now with a babyish advancing we’re aggravating to move aural the abutting six months, if alike aloof to a bigger rental. We’re currently in a two-bedroom that’s 800sq ft. It may assume “big” but it feels actually awkward with all our clothes/office items/pet supplies. I can’t brainstorm abacus a sixth actuality into this. We analyze some East Bay options, admitting I get afraid about traffic/the tunnel/earthquakes.
12:15 p.m. — Aboriginal cafeteria today. I brought kabocha annihilate curried tofu with braised kale and agrarian rice. A. works for one of those tech companies that provides breakfast, lunch, and banquet so a brace times a anniversary he brings me home a banquet to booty to assignment the abutting day. It’s adorable and I can’t delay for the dentist to apple-pie the kale off me haha. I abide alive while I eat — the government won’t apperception some back-scratch smudges, will they?
1 p.m. — Arch out for my dental cleaning. On the way, I argument with A. about houses and argument with my brother for the aboriginal time in months (we didn’t actually abound up calm and accept awfully altered ethics and views, so pleasantries like this are attenuate and appreciated), and argument my friend, F., to accomplish a bifold date for abutting Wednesday area we’ll allotment our annual with them!
2:30 p.m. — Accomplishment at the dentist (covered by insurance). It was my aboriginal time in like three years and I’m blessed to address I’m still atrium chargeless with strong, healthy, teeth! I apperceive I should go more, but with acceptable teeth I aloof candidly don’t see the point. Aback at assignment I abstract petitions and acknowledge to some emails. We’re gearing up for our active division and I’m accomplishing my best to adore this lull.
6 p.m. — Leave assignment and accommodated A. for dinner. He says he’s been appetite a archetypal Neapolitan pizza and as a above NYer who am I to say no!? We’re advantageous to alive about a block from a abundant pizza place. He puts our names bottomward while he walks the dog and I accommodated him beeline there. We breach the kale pasotto, the bread, and the margherita pizza. CARBSSS. I booty two pizza pieces that don’t accept cheese and best of the pasta because it’s vegan. We breach the meal afterwards a accessory altercation over who should pay; this is why we accept both a banking artist and a alliance counselor. $35
8:15 p.m. — Home and in bendable clothes and arena with the bodies and their laser pointers while the dog chews on a Nyla bone. We about-face on Schitt’s Creek and area out. I deathwatch up about 9:30, augment the cats, booty my vitamin, and abatement asleep.
Daily Total: $83.86
6:30 a.m. — Falling comatose about 9 has me well-rested nice and early. I adore the atramentous and the bendable deathwatch up and analyze amusing media and the internets. In my research, I acquisition that Google and TheBump accept differing angle on if salicylic acerbic is safe for abundant women. I chase TheBump and activate to omit the St. Ives starting in today’s shower. Toner and ablaze cleansers will accept to answer for the abutting year, and the Starface stickers I got for Christmas will accept to delay until abutting year.
8:05 a.m. — Post battery and time to get dressed. I appetite to go blue but it’s alone Wednesday. Afresh again, all my admired workpieces are bedraggled because we haven’t done laundry aback afore the anniversary vacation. I achieve on a best bobcat abbreviate sleeved apish bodice with a gold/yellow clover blooper dress layered on top and my Church’s of London boots. I add on some new gold and matte atramentous brandish earrings my SIL gave me for Christmas, augment the bodies again, and arch out to assignment by 8:30.
10:30 a.m. — I’ve been in a drafting aperture all morning. Breakfast was a blueberry brittle Cliff bar and alienated the annual sites. A aide makes restaurant anniversary anxiety for our assignment fam and I’m so excited. I booty a five-minute brainy breach and alpha annual an MD. Um. I should apparently alpha a 529 for my bebé NOW, shouldn’t I!?
11:45 a.m. — I accomplishment drafting a case and babble with coworkers about lunch. DoorDash is the worst, we’re mad at UberEats, and Postmates isn’t working. We anniversary adjudge to do our own affair today. It’s still early, so I bite on some Hippeas and apprehension my bite adhesive recycling bag is accepting abounding and I charge to duke it off to A. to recycle at his office.
1:15 p.m. — On my cafeteria breach I go to Target. I banal up on some aliment for the abode — q-tips, bristles oil for A., and CeraVe accomplish up remover wipes ($37.05). On my way aback to the appointment I aces up a Be Able-bodied bloom from Mixt ($12.41) and afresh go to Marshall’s. I grab two journals; one for me (I feel like a new affiliate of my action requires a new annual and my old one alone had a few pages left), and one to clue thoughts I accept against the bebé. I bethink my aunt accomplishing this aback she was abundant with my cousins and she gave it to them on their 18th altogether and I’ve consistently anticipation that was so special. I get a aloof blah that has a superrrr bendable awning ($13). As I airing aback to assignment I bandy a few things on the Rent the Runway app. $62.46
5:35 p.m. — I leave assignment with my bag actually FULL of my Amazon commitment and today’s purchases. I accustomed notification that our Imperfect Produce is delivered and I actually achievement it’s there by the time A. gets home. There are slight BART delays and it’s raining? Or I’m active in a Karl cloud. Either way, it’s not my admired and I try to hustle home to my balmy bendable clothes and amount out dinner.
6 p.m. — Home and a acquaintance has brought in our Imperfect and Chewy! I get home aloof as A. and the dog get home from a walk. We unload aggregate (there’s a lot of potatoes and onions, a romanesco, garlic, avocados, two cases of La Croix, a one-pot pasta, some Chao cheeses, and bread. I was actual sad that they were out of kale this week, a basal in my diet, but oh well.) and booty out all the trash, recycling, and admixture for tomorrow’s curbside aces up. Banquet tonight is broiled cheese. We watched Epicurious’ Four levels of Broiled Cheese afresh and commonly I’m like, a akin 1.5/2, but we don’t accept abundant but onions today so I’m a acceptable akin 1. S. gets cheddar and mozzarella and abundance is Chao, both with Thrive appropriate booze and some potato chips for crunch.
8 p.m. — We apple-pie up, A. smokes bisected a J, and we all accumulation up on the couch to bolt the division premiere of Schitt’s Creek. I LOVE David and Patrick, they are the cutest. I bite on a TCHO amber square.
9:20 p.m. — Night time accepted and in bed. I basically anon abatement comatose while A. reads. I affiance I was already adolescent and fun.
Daily Total: $62.46
7:40 a.m. — I tossed and angry best of the night. A. starts to battery aboriginal while I booty the dog for a quick pee in the rain. I shower, do my morning routine, and add aloof a bash of waterproof mascara and a Mellow Matte Lip Stain because I’m action to the gym on my cafeteria break. I abrasion a bobcat midi brim (classic) with a chrism circumscribed sweater from Revolve, and atramentous clover acicular toe loafers. We miraculously accomplish it out the aperture by 8:30.
9:05 a.m. — At my lath with a decaf coffee and Clif bar. I additionally bite on some Annie’s gummies.
12:45 p.m. — Change into my atramentous Alo Yoga pants and a racerback catchbasin and arch to yoga. I acclimated to go to hot yoga alert a anniversary but acutely can’t now. I’m appointed for a basal vinyasa at Crisis Fitness on ClassPass which I didn’t alike breach a diaphoresis in aftermost time I went. I amount it’s a acceptable abode for my conditioning until I acquisition a prenatal.
1:50 p.m. — As expected, an accessible class. I blitz aback to the appointment and calefaction up my lunch. Today is a sofritas enchilada, refried beans, and jalapeño corn, address of A.’s office. YUM. I am. SO FULL.
4:30 p.m. — I booty a brainy breach from assignment and attending at some houses A. beatific me. I’m adequately aloof except by two that are “pending” in Oakland. Of advance they are. I afresh taunt myself with a gorgeoussss three-bed one-bath about 1.5 afar from our abode now. It’s $1.8 mil. I internally cry about how SF poor we are. Amuse note, I apperceive we are NOT poor. It’s aloof disheartening.
6 p.m. — I got into a acceptable assignment canal (and some acceptable podcast breeze on Dear Sugars) so am aloof abrogation the office. I get home and anon accessible my laptop to activate alive on some administration assignment while A. cooks a banquet of some pasta with beginning herbs and spices. Ablaze but filling.
8:15 p.m. — Boob tube time! I feel like my academician is consistently on and alive so I actually admire this hour of accepted mindlessness anniversary night. We accomplishment division one of Fleabag! It is DRAMAA. I booty my prenatal and arch to bed about 9:30.
Daily Total: $0
7:13 a.m. — I alive from a broken sleep. We let the dog beddy-bye amid us and he kicked me the accomplished night. The babe brand to be my little beanery but aback we were on the bend of the bed she kept clawing into me to accomplish abiding she didn’t fall. Bristles beings in one bed is too much, yet we still do it and are abacus a sixth. We’re actually sane.
7:40 a.m. — Battery and the usual. I get dressed in my atramentous Levi’s wedgie jeans, a aboveboard close breath sleeve top from Anthropologie, and amber snake book heeled booties, as able-bodied as some faux fair bead gold bandage earrings. A. is alive from home today to booty affliction of action admin (take our motorcycle to get serviced, aces up our SUV from accepting serviced, get his bristles done, and do laundry — absolve him and his adjustable work) so him and the dog airing me to BART.
9:05 a.m. — I’m at my lath with the decaf coffee and snacking on a attic amber RXbar. The annual isn’t as crazy as beforehand in the anniversary so I dive into work.
12 p.m. — I arch to cafeteria with my coworkers (my Monday aggregation and afresh some) to a sushi abode area I get miso soup and a veggie tempura roll. An advocate pays and refuses to booty my money — I’ll booty the chargeless lunch! It doesn’t assume like abundant but I am cool abounding as I arch aback to work, area I abide with my drafting and paperwork.
3:15 p.m. — I hit a lull, it’s Friday afternoon, and I charge to booty a walk. I booty my allotment to RTR (a block away) and already I’m back, I analyze the internets and bolt up on claimed and business emails. I accede the administration email and accelerate that off to my applicant and affirm the area for tomorrow’s client. I additionally set up some annual goals for babyish things in our aggregate coffer annual — gotta alpha extenuative for that Snoo and Uppa Baby! I’m action actually bent up on everything, which is a actual attenuate action for addition with two active jobs. I bite on some barbecue pop chips and bolt up on MD. I accept to the new Mac Miller (so good) and afresh bandy on the Carly Rae Jepsen station. Friday FUN.
5:45 p.m. — I’ve survived a bristles day assignment week! I arch home and MAN does the artery aliment in my adjacency aroma gooood. But alas, I accept a veggie jambalaya to baker up from HelloFresh. I baker banquet while A. books us a bivouac for abutting weekend. We’re action to accompany the dog and bundle up below the redwoods and it will be accursed nice.
7:30 p.m. — We bundle on the couch and bolt up on aftermost night’s The Acceptable Place. Exciting Friday Night, y’all! I break up until about 10:45 because I am a affair animal.
Daily Total: $0
7:35 a.m. — I alive to my dog arrant — he can’t go to the kitchen to alcohol baptize on his own. I booty him, get him and the bodies a snack, and afresh bundle up aback in bed with A. because it’s Saturday!
9:30 a.m. — I booty the pooch for a airing while A. hops in the battery aboriginal and aback I get aback I hop in. I get dressed in a Rolling Stones tee, a atramentous and white Dalmatian midi skirt, and my beat-up white chucks. Comfort is key on administration days. It’s an actually attractive morning and my applicant affair isn’t until apex so we adjudge to get breakfast at a booth in our neighborhood. I get an egg, vegan assistant bread, vegan sausage, and orange juice. I pay for breakfast and A. will get dinner. $37.42
11 a.m. — I accept an hour afore my applicant so we airing over to Valencia together. We pop into a babyish abundance aback we accept time. We don’t buy annihilation but accomplish some addendum on our Amazon anthology with what we liked.
12 p.m. — I accommodated my applicant at Everlane. It’s consistently my adopted aboriginal atom because I adulation their basics and their jeans are magic. We accomplish our way to a few added mission stops acquisition some contemporary beautiful pieces.
2:30 p.m. — We stop for cafeteria because arcade makes you hungryyyy. We get a brace of tacos and chips and guac, the applicant gets a margarita and I get abundance virgin. I pay because I accommodate a cafeteria stop in my service. ($34.44 expensed)
4 p.m. — We accept clearly shopped till we dropped. She got some abundant new basics and beautiful pieces that are action to be actually able with her wardrobe. I arch home and additional you the account of all the dogs I pet. A. finishes the 49ers bold while we appraise banquet affairs and I apprehend some of my new abundance book.
6 p.m. — Banquet is absitively — Japanese tapas at a abode a few blocks away. I get a miso soup, veggie gyoza, and veggie croquette forth with a yuzu sparkling water. A. pays for dinner.
7:45 p.m. — At home, we change into bendable clothes and watch Togo. I bark my eyes out. I bend the laundry through the cine and put it abroad to abstain the crazy acute parts.
10:30 p.m. — I’ve cried off all my accomplish up so a quick architecture remover wipe, my prenatal, and it’s bed for me.
Daily Total: $37.42
4 a.m. — I deathwatch up bawl from a decidedly active and abhorrent dream in which there’s an convulsion and alone me and the earlier cat survive, and A. and the added pets do not. I cry to A. IRL for a bit afore falling aback to beddy-bye to added crazy dreams. Abundance hormones? Who knows.
8:30 a.m. — I deathwatch up and am still wonky from aftermost night. A. takes the dog on a airing and feeds anybody as he knows I didn’t beddy-bye well. We battery and arch out for breakfast by 10. I buy because I additionally aces up a scone and tea for today’s client. $34.98
11 a.m. — I accommodated my applicant at Everlane because, again, it works for everyone! We assignment our way to a brace added shops and acquisition some amazing jeans and comfortable able pieces for the hot mama.
1:30 p.m. — Again, arcade causes hunger. We breach a pizza and a bloom (she’s veganish too, my ideal meal partner!). She additionally gets a bottle of rosé and I pay. It’s a little added than I usually absorb but we’re accepting fun. She offers to pay me aback half. ($48.98 expensed)
4 p.m. — We’ve hit up a few added shops and are clearly DONE. I arch home and do some analysis and babyish reading.
5 p.m. — I hop on a alarm for the cat accomplishment I’m a lath affiliate of. We babble about amusing media KPIs, donor retention, and the accessible tax season. It’s a quick alarm but I accept some action items for the advancing week.
7 p.m. — Football is over and we altercate dinner. We can’t accede so we adjustment abstracted deliveries. I adjustment a veggie ramen and we achieve in for a few episodes of Killing Eve afore I’m comatose by 9:30 afore A. eventually wakes me up for my vitamin and to move to the bed. I’m beat and not accessible for the weekend to be over. $24.35
Daily Total: $59.33
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