A Week In Brooklyn, NY, On A $fifty five,000 Revenue


Welcome toCash Diaries , the place we are tackling what may well be the remaining taboo dealing with up to date running ladies: cash. We are asking millennials how they spend their hard earned cash all through a seven-day duration — and we are monitoring each and every remaining greenback.

Lately: a copywriter who makes $fifty five,000 according to yr. She spends a few of her cash on Uniqlo HeatTech.

Profession: Copywriter
Business: Promoting
Age: 22
Region: Brooklyn, NY
Revenue: $fifty five,000
Paycheck (2x/month): $1,seven hundred
Freelance Paycheck: $four hundred-800/month

Per month Bills
Housing: $900. I have been subleasing for the final couple of months, so this has various. This used to be my overall this previous month, together with utilities.

All Different Per thirty days Bills
Fitness center: $15
Apple Song: $five.ninety nine
Adobe CC: $15. (I cut up it with my best possible family member.)
Apple Garage: $zero.ninety nine
Financial savings: ~$1,000 a month, on occasion extra. I have needed to keep up for an condo deposit the previous couple of months, but in addition were saving basically.
Cellphone Telephone: $50. I am on my oldsters’ plan and I ship the cash to my dad.
Doggie Credit score Card: $50. My circle of relatives’s canine had an sudden emergency surgical procedure that we needed to placed on a doggie bank card. I lend a hand my dad with a majority of the per month invoice.
Well being Insurance coverage: On my mother’s plan.
Credit score Card Debt: $50 – $one hundred. I’ve a small stability on a scholar bank card.
Netflix/Hulu/HBO: $zero. Thank you pals (and brother’s ex-female friend)!

Day One

7:forty five a.m. — I am getting away from bed and I listen the kitty scrambling round. I am at a sublease for the month and they have got the cutest little kitty. I were given aggressively mugged a couple of days in the past and a large number of my issues have been stolen, so I’ve been feeling extraordinarily apprehensive and paranoid. (Disclaimer: That is going to be an strange week for me.) Mitz, the kitty, has been a bit of fur ball of convenience. BUT, it is the vacations, so it is my favourite time of yr! I come to a decision to put on my new brilliant purple boots as a pick out-me-up. Can not allow anything else deliver my vacation cheer down!

nine a.m. — I am getting to paintings and come to a decision to shop for a bagel on the café we’ve. I have had no urge for food the previous few days as a result of nervousness, however I am on a venture to get again on target with my foods. I am getting a undeniable bagel with cream cheese after which make blueberry inexperienced tea that I had at my table. $1.sixty three

nine:30 a.m. — I am organizing Mystery Santa among my pals and it is so a laugh! I all the time finally end up being the planner for actions, and because all of my pals additionally paintings within the promoting business, we adore to jokingly communicate in e-mail communicate in our chats. HELLO GUYS, simply sought after to circle again round and remind you all of our Mystery Santa adventure this Sunday. Please allow me understand in case you have any questions. I’m going to be sending the itinerary by way of EOD. Cheers!

1o:35 a.m. — It’s kind of sluggish this morning, so I’m going to a comfortable nook at paintings to learn articles and get in touch with my dad. He will seek advice from circle of relatives in El Salvador after a couple of years of now not traveling, and I Venmo him cash. My circle of relatives could be very low-source of revenue, and even if I am nonetheless now not incomes a ton, I am looking to lend a hand out my oldsters up to I will be able to — despite the fact that it is one thing small. Plus, he may also be giving cash to a few of our members of the family who are living in negative prerequisites over there, so I am satisfied I will be able to in any case lend a hand out. $50

12 p.m. — We get out of an artistic assessment with the account staff and need to re-do a large number of issues. Ugh; the lifetime of a copywriter.

12:30 p.m. — I have never purchased groceries this week so I’ve to head out and purchase lunch. I am getting a couple of rosemary potatoes and hen. My coworker and I additionally come to a decision to separate a box of peppermint scorching chocolate on the way to remaining us for a whilst. $eight

1:forty five p.m. — I have needed to substitute a few of my stolen issues separately, and subsequent at the listing is a brand new water bottle. I discover a adorable one on Amazon and it is lovely reasonable in comparison to the S’smartly bottle I had sooner than. I am making an attempt to take a look at the location in a favorable method. No less than I am getting a recent get started! $thirteen

2 p.m. — Mystery Santa exchanges are this Sunday and I do not know what to get my individual! I browse the web however surrender and get again to paintings.

6 p.m. — I after all get house. I used to be on a exercise and semi-marathon coaching roll those earlier couple of weeks, however I have never been very lively the previous couple of days. I come to a decision to do a forty five-minute, at-house exercise as a result of I do not need to lose the growth I were making and I will be able to’t allow my nervousness save you me from understanding. Plus, understanding all the time makes me satisfied. Blogilates on YouTube is all the time my favourite!

eight p.m. — I consume rice pudding and my roommates provide me a tumbler of white wine; they are so candy. I paintings on my freelance paintings after which watch a couple of vacation vlogs on YouTube. Why do I am getting such a lot delight from staring at wealthy women who are living in L.A.? I’m going to by no means be mindful however I am not complaining.

Day by day Overall: $seventy two.sixty three


nine:30 a.m. — I consume oatmeal crowned with honey and granola for breakfast! It is Hump Day and it is comforting to understand I am virtually midway performed with the week.

2 p.m. — It is in fact been a hectic day lately. My coworker and I’ve had again-to-again conferences and in spite of everything have time to head purchase lunch prior to our subsequent assembly. I am yearning breakfast for lunch, so I am getting an egg, bacon, and cheese sandwich with ketchup. I exploit a ten% coupon. I really like eggs! $four

nine p.m. — In any case getting off paintings. I do not paintings past due nights very ceaselessly, however these days used to be an exception. Ever because the mugging, I have been just a little uneasy approximately going house past due at night time if it is previous 7 p.m. My process bills transportation if we paintings past due anyhow, so I am getting an Uber. ($28 expensed)

10 p.m. — As quickly because the experience is completed and I am getting inside of my condo, I holiday down crying rapidly. My Uber motive force jogged my memory a little of my attacker; he used to be dressed in his earphones and now not being attentive to the street so I began feeling uneasy and these kind of feelings got here flowing out. On occasion you simply want a just right cry to allow out different feelings you’ve gotten been looking to suppress all week. I think a bit bit higher. I additionally ship an overly strongly worded message to Uber.

eleven:30 p.m. — After a brief house HIIT exercise, a ten-minute meditation consultation, and cuddling with Mitz, I think just right and come to a decision to fall asleep.

Day by day Overall: $four

Day 3

eight a.m. — It is Friday Eve, as one in every of my coworkers likes to mention! It makes Thursdays sound so just right. I head out to the door and in any case remember that to go away my hen defrosting. I NEED to get again into my cooking regimen. I hate if you end up doing smartly however then you’ve got an off week! However it occurs to everybody, so no matter what.

nine a.m. — I am getting any other mini-bagel with cream cheese. I will be able to’t lend a hand it! I feel it is hilarious how so much I really like bagels and cream cheese and I have most effective been in New York for 6 months. I used to HATE cream cheese. $1.sixty three

1:30 p.m. — Any other busy day in advance folks! Loads of writing and brainstorming to do. My coworker and I in spite of everything have a breather and get Chipotle for lunch. I have never had Chipotle in a couple of months and I were yearning it. Plus, I will be able to shop the opposite part for dinner. $nine

three p.m. — Champagne and cake for a coworker’s good-bye. I am complete however nonetheless can not face up to cake.

eight p.m. — Leaving paintings! It is not highly past due but and I come to a decision to take the teach again. I am getting house appropriately and see that I felt rather less paranoid. Child steps!

nine:15 p.m. — I prepare dinner my hen for day after today’s lunch whilst I consume my Chipotle leftovers and watch Vlogmas movies on YouTube. I exploit my dad’s favourite recipe and leave out my circle of relatives. I will be able to’t wait to return to Texas for the vacations!

eleven p.m. — I have been making an attempt a brand new shampoo for curly hair that has been making my hair so cushy and not more frizzy. I head to mattress smelling like coconut. I leap into mattress, playing the sensation of being blank and moisturized.

Day by day Overall: $10.sixty three

Day 4

7:forty a.m. — It is Friday! I placed on garments and get in a position to go away for paintings. I really like smelling all the Christmas timber on the market in the street within the morning.

nine:30 a.m. — Cereal for breakfast and blueberry inexperienced tea (my present obsession). These days goes to be an ideal kick back day at paintings, thank goodness. I come to a decision to head rental searching. My absolute best family member may well be shifting in January and it is also time for me to in spite of everything settle right into a rent anyhow because I have been subleasing round for 4 months now. I in spite of everything have cash stored up for an condo deposit so I am in a position; my objective is January!

12:30 p.m. — Hen for lunch. Everybody appears to be in a Friday temper, so I do just on-line buying groceries and make tweaks on a writing task. My coworker and I additionally move to the Amazon Guide Retailer and I purchase Mr. Penumbra’s 24 Hour Bookstall. It has superb evaluations and I will be able to’t wait to start out studying. The cashier convinces me so as to add on a vacation ebook for you to be donated to youngsters in hospitals ($three). Youngsters are my vulnerable spot, particularly on the grounds that I’ve a seven-yr-antique sister. $14

7 p.m. — I’ve to exchange my MacBook (any other factor that were given stolen) so I’m going take a look at the laptops. My pals raised cash to lend a hand me get a brand new pc, and family member-of-a-family member could also be letting me use her friends and family cut price. I’m so thankful for the folk in my lifestyles. I make my determination after speaking to one of the workers, who’re so great! I used to paintings retail all through my school years to fully financially make stronger myself and I low-key omit customer support. Going to formally order the pc in a couple of days!

7:30 p.m. — It is snowing the next day and It’s not that i am in a position. I’m going to Uniqlo and pick out up HEATTECH apparel. A large number of it’s on advertising, so I am getting one black group neck ($10), black leggings ($10), a turtleneck ($10) and socks ($6.ninety nine). I additionally see a adorable velvet get dressed that I will be able to’t face up to getting ($19.ninety nine). I do not purchase a large number of garments however I come to a decision to regard myself. Plus, garments for the elements are a need. $fifty seven.50

nine p.m. — It is a kick back night time these days. I make tea and toast entire wheat bread and most sensible it with honey. I activate my YouTube vlogs and play Christmas song within the history.

Day by day Overall: $seventy one.50

Day 5

7:30 a.m. — My inside frame clock wakes me up even on weekends, however I drive myself to return to sleep.

10:30 a.m. — It is snowing! I am a Texas local and probably the most snow I have noticed is perhaps inches. It seems completely stunning. I glance out the window, boil water for my tea, and make eggs over toast for breakfast. I pour ketchup at the aspect. My roommates are beginning Jane the Virgin so I watch an episode with them.

12 p.m. — I have were given a large number of vacation buying groceries to try this weekend. I am getting at the teach to enter the town. My first prevent is Union Sq. Vacation Marketplace.

1:30 p.m. — I stopped up getting a colourful wrist pockets for my mother. She loves shiny colours and I discovered a great striped one. That is the primary yr I will be able to in fact have the funds for to get my friends and family actual presents, and that makes me so satisfied. The snow is falling, the providers are all satisfied, individuals are bundled up of their coats, and I odor scorching chocolate. It’s this kind of stunning Saturday! $30

2:forty five p.m. — I catch up with a family member and her boyfriend at my subsequent prevent, the Bryant Park Vacation Marketplace. I want to in finding one thing for my Mystery Santa lately because the present trade is day after today! She lately moved into her new condo, so I come to a decision to get house decor. I in finding an attractive Italian ceramics supplier and purchase somewhat blue and white bowl. We stroll round extra, watch other folks ice skating, and glance up on the massive tree. On occasion I will be able to’t consider I am in reality in NYC beneath the snowstorm experiencing my first actual wintry weather! The vacations make me emotional. $12

three p.m. — I have by no means been to the Chick-Fil-A in New York so we come to a decision to head there on the grounds that I’m yearning it such a lot. The road is lengthy and stuffed with under the influence of alcohol other folks taking part in SantaCon however we get our meals rapid. I order a hen sandwich meal with lemonade. I’m so mad at how pricey this meal is; it is double the Texas costs. Indisputably may not be coming right here ceaselessly. $10

five:30 p.m. — I am getting an eye fixed examination lately — an extended past due discuss with. I have never gotten a brand new pair of glasses in 3 years and my best possible family member works at Warby Parker, so his cut price is tremendous great. I am getting an eye fixed examination ($seventy five), which will have to be reimbursed once I name my mother to get insurance coverage main points and the pair of glasses I make a selection is best $87 after his friends and family cut price. They are so lovable and I will be able to’t look forward to them to send. I really like a just right pair of observation glasses. Merry Christmas to me! $162

7:30 p.m. — Lately is a coworker’s vacation birthday party! I head again house and watch slightly YouTube. My family member is coming over with a bottle of wine prior to we head to the birthday celebration.

10:30 p.m. — My family member and I take a look at a bar close to my condo that has cocktails on faucet. I am getting an awesome lime drink. I have never purchased a drink in a while (I check out to not spend so much cash on alcohol), so this can be a great deal with. $10

eleven p.m. — We make it to the birthday celebration. Very tipsy. Let’s examine how the night time is going!

Day by day Overall: $224

Day Six

nine a.m. — Smartly, ultimate night time used to be a laugh! Recap: My pals joined me at my coworker’s birthday celebration, then we drunkenly had snowball fights on the park on our option to a dance bar, then we danced so much, left and had extra snowball fights, ended up at Popeyes, and everybody crashed at my position. It is been a very long time given that I had this type of nights and enjoying within the snow used to be probably the most purest and so much carefree occasions I have had in awhile. However I’ve an terrible headache. Ugh. This is the reason I do not drink so much very ceaselessly.

10 a.m. — We come to a decision to take a look at a adorable little diner proper via my condo, and it is so reasonable I am in surprise. eggs, hash browns, toast, house fries, bacon, and OJ for best $five.50! It is so affordable that we come to a decision to separate waffles a few of the 4 of. us. We order the recent fruit waffle, which comes with the strangest number of culmination. Watermelon on my waffle? On this financial system? Tremendous bizarre however the waffle itself tastes just right. We make a psychological word to by no means order that once more — however I am nonetheless coming again. $10

2 p.m. — After breakfast, my pals depart and I move slowly again into mattress and slept for some other 3 hours. My headache is, unfortunately, nonetheless now not long past. My coworker’s birthday brunch is in an hour so I head to the East Village.

five:30 p.m. — Leaving his birthday brunch which in point of fact ended up being simply an early dinner. I wasn’t hungry so I stopped up simply getting an order of fries. $nine

6:30 p.m. — I want to get a present bag and some other little factor for my Mystery Santa present, so I’m going again to the Union Sq. Vacation Marketplace. I think like I have spent my whole weekend right here. I am getting just a little set of various scented tea candles ($12), a white present bag ($three), white tissue paper ($2), and somewhat white bow ($2). $19

eight:30 p.m. — Mystery Santa time! Eclipse is enjoying within the history and one family member brings packing containers of pizza; the host has scorching chocolate for us. My individual finally ends up loving her Mystery Santa present! My Mystery Santa will get me a candle referred to as Town Scapes: Vital and it smells like oakwood and ginger; it is stunning. He additionally provides me a bit pin that I really like.

eleven p.m. — We in any case depart and my family member shall we me sleep over at her position lately in view that it is getting past due.

Day by day Overall: $38

Day Seven

nine a.m. — Trains are tousled as a result of an explosion on the teach station. So terrifying, however I make it to paintings on time and I am satisfied nobody were given harm. It is Bagel Monday so I’ve a undeniable bagel with cream cheese and my same old blueberry inexperienced tea.

12:30 p.m. — For lunch, I’m going get tomato soup with a loose coupon I’ve. Lately’s a rather kick back day with only a few conferences and brainstorming my artwork director and I’ve to do for a few social media posts. The place of work turns out lifeless nowadays! A large number of individuals are already long past for the vacations.

1 p.m. — Small Tinder/Bumble holiday. I have never been on a date in see you later, particularly because I have been so jittery in recent years however I do in reality need to get started courting. I am a romantic at center, so preferably, I would love to only fall in love with anyone randomly at like a bookshop and we lock eyes and are living luckily ever after. However it is 2017, people are “finding themselvesâ€�, I am tremendous busy, they are tremendous busy, and courting is simply arduous. However would possibly as smartly make the effort and put aside time for dates. I swipe for a couple of mins and in an instant am over it. I’m going to simply be unmarried ceaselessly! I’m going to check out once more later.

6 p.m. — I depart paintings and head to the Apple retailer. I am choosing up my new pc lately! I actually could not have performed this with out the assistance of my pals and pals of pals. The pick out-up line is nerve-racking however it movements rapid. I take an Uber house as a result of I do not need to be wearing round an enormous Apple bag with a spanking new pc inside of. I’ve a loose journey as a result of my grievance to Uber of the sketchy motive force ultimate time, so this would possibly not value me anything else.

eight p.m. — Ahh, the brand new keyboard feels so great! I arrange the pc and skim for somewhat. For dinner, I make eggs and black beans. Eggs for dinner are the most productive. Then, I consume raspberries and blueberries for dessert. I do somewhat of on-line buying groceries and notice an artwork print that my brother would really like so I’ve to get it. I nonetheless have such a lot of different presents to shop for. $thirteen

nine p.m. — Brief at-house butt and abs exercise. I in reality want to get again to the health club quickly. It is been over every week considering the fact that I have long past, however it is the vacations and I am going again house for 2 weeks quickly anyhow. My mother shall be feeding me nonstop, so perhaps I will be able to get started in 2018?

Day by day Overall: $thirteen

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