A Week In Jacksonville, FL, On A Joint $158,000 Income


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

Lately: a holiday apartment supervisor who makes $30,000 consistent with yr and spends a few of her paycheck this week on snacks (together with Corn Nuts).

Profession: Holiday Condo Supervisor
Business: Actual Property
Age: 30
Region: Jacksonville, FL
Complete-Time Task Income: $30,000
Phase-Time Process: ~$thirteen/hour. (The hours I am getting range. On a regular basis, I make approximately $one hundred-$250/month.)
My Husband’s Income: $128,000
Mixed Paycheck (2x/month): $four,780 after 403(b) contribution

Per thirty days Bills
Loan: $1,684. My husband and I purchased a foreclosures in a seashore community a couple of years in the past and are solving it up slowly however certainly. My husband’s sister (who has unique wishes) lives with us as smartly.
Scholar Mortgage Cost: $50 for mine. (My husband’s scholar loans are deferred presently.)
Automotive Cost: $1,330, mixed

Clinical, Dental, Imaginative and prescient & Lifestyles Insurance coverage: $385
My Husband’s 403(b): $366.ninety four, which his corporate fits
Aflac: $122. (We feature 3 insurance policies.)
Apple Rent: $fifty seven. (As a result of my husband all the time has to have the most recent generation.)
Mobile phone Telephone: $168. (We pay for ours and his sister’s.)
Comcast TV & Web: $208-$230
Administrative center Systems (For My Paintings): $36
Utilities: $434. (I do business from home and my sister-in-regulation is steadily house, so electrical energy is frequently top. She additionally does a large number of showering and hand-washing, which makes our water invoice slightly top.)
SoFi Transform Mortgage: $887
Automotive Insurance coverage: $250.seventy four
Doggie Daycare: $one hundred ninety
Wireless Ink Subscription: $10.ninety five

Further Bills
Disney Holiday Membership Club: $206/yr

Day One

7:30 a.m. — I get up to my alarm and instantly run into my house administrative center to name a plumber. My task is dealing with holiday leases, and visitors referred to as me final night time with a water heater drawback. The plumber does not solution, so I depart a message and make a remark to name once more in an hour. I’m going downstairs and feature a handful of strawberries. This undoubtedly is not a considerable breakfast, however I really like recent strawberries they usually tide me over. I take a bath and get in a position for the day.

eight:15 a.m. — My husband calls me whilst I am within the bathe, and once I name him again, he tells me the battery in his truck is shot. It sounds as if, ​this isn’t unusual, in keeping with on-line boards, however Chevy would possibly not guaranty vans earlier 36,000 miles. So my husband buys a brand new battery from an vehicle portions retailer; they provide him an army cut price, however it nonetheless hurts. He brings it house to put in himself. $205

nine a.m. — My husband leaves for paintings and declares he’s treating himself to Chick-fil-A as a result of the morning he has had. $6.50

nine:forty five a.m. — I seize a Pop-Tart and depart the home. I display up for my annual physician’s appointment most effective to keep in mind that it used to be rescheduled however I forgot to switch the date in my telephone. Oops. I head out and prevent on the fuel station. I have labored from house for the final yr and seldom depart the home, so I on a regular basis handiest need to refill as soon as a month or so. Fuel costs have long past up and the whole is $30.sixty three. I’m going to Goal to waste time till my subsequent appointment and have the ability to make it out with out spending anything else. Good fortune! $30.sixty three

10:forty five a.m. — I run via Chick-fil-A for a Nutrition Coke ($2.09) ahead of my nail appointment – it is a custom. Then I run subsequent door to get my nails performed. I am getting a gel beauty care each and every weeks ($30). $32.09

eleven:30 a.m. — On my means house, I am tempted to seize a snappy lunch from someplace however I communicate myself out of it. My husband and I have been discussing our budget the opposite day and made up our minds we spend means an excessive amount of cash consuming out. I get to the bottom of to consume lunch at house nowadays and consume popcorn and different snacks at the same time as I watch TV.

2 p.m. — Ultimate yr I took a 2d process doing bookkeeping for an government train. He additionally has an possession hobby in some other corporate that I took over bookkeeping for. I am getting a textual content from the lady who runs that corporate asking me to double test a few stuff, so I head over to the place of business after which run a pair brief errands for them as smartly. I am getting house round three:15 and am ravenous. I do not need to repair a right kind meal as a result of my husband and I’ve a date night time this night, so I consume a bag of chips and a pair Woman Scout cookies.

four p.m. — My husband comes house with a large wonder: As an alternative of going out to consume, he needs to visit Disney Global. We do not take many spontaneous journeys to Disney, however I am all the time recreation! We get in a position in approximately 20 mins and jet out the door. We now have annual passes, so no price to get in. We prevent for snacks, together with Nutrition Coke, Mountain Dew, chips, Corn Nuts, and a Snickers bar at the method there ($eleven.forty seven) and get caught in bad visitors that turns our -and-a-30 minutes pressure right into a 4-hour pressure. Whilst sitting in visitors, I position an order on Amazon for brand spanking new vacuum filters and a small ice dice tray ($35.ninety two). I have been on a DIY cleansing provides kick in recent years and subsequent on my record are dishwasher pods. This tray will have to make pods that simply have compatibility in our dispenser. Additionally incorporated within the order are drain cleaners and different small family issues. $forty seven.39

eight p.m. — We pay for most well-liked parking when we’re there ($forty five) so we should not have to stroll eternally while the park closes in the dark. Our first prevent is dinner. We get seated in approximately 10 mins and feature scrumptious pizza and salad ($sixty two.17). Then we move on a few rides and my husband will get a Mickey Mouse ice cream ($five). We journey a couple of extra rides after which are in a position to head house. We prevent at a sweet retailer to get sugar to pep us up for the force house ($10.38) and in addition prevent for fuel ($31.ninety two). At 2:30 a.m., we in spite of everything get home​ and cross out. $154.forty seven

Day by day Overall: $476.08


nine:forty five a.m. — In any case conscious. I am too antique to be up previous middle of the night. Drag myself away from bed at round 10 and perform a little paintings that got here in in a single day. My husband is going to the fitness center and we agree to satisfy up later on to head grocery buying groceries. I am not very hungry however I consume strawberries for breakfast.

eleven a.m. — My husband is what you possibly can name a planner and he loves to grocery keep on payday weekend for the whole thing we’d like for 2 weeks of foods. We purchase numerous recent produce, eggs for my husband’s breakfasts, dairy, and snacks. I test for honey mangos as a result of I really like making fridge oatmeal with them. They are now not in season but however wish springs everlasting. Seems like bagels for breakfast as an alternative. Our coupons and gross sales shop us $50. We move house and I face up to the urge to signify going out for lunch. I’ve mac and cheese as an alternative. $one hundred seventy five

1 p.m. — I do paintings for my 2d task. Preventing with Amazon to take a look at to get our merchandise indexed is like beating my head towards a brick wall. I take a holiday to head downstairs and prep freezer foods. I am all approximately comfort. I understand I utterly forgot lemon juice, so I run again to the grocer for it ($1.39). Whilst I am out, my husband makes a decision to mend a drawer within the kitchen that falls on our ft each and every time we pull it out. He and his sister run to the ironmongery shop to get a brand new drawer slide ($7.forty seven). Small tasks like this (and bigger ones) appear unending on this space. My husband brings house a flyer from the shop for twenty-four months and not using a hobby if we use our retailer bank card and tells me he has scheduled a size appointment for anyone to return degree our again doorways. They have been rusting once we moved in and want to get replaced ultimately. $eight.86

five p.m. — I get started prepping dinner and dessert (paella with hen and sausage and a small cake). I % up part of the dessert and take the canine to head seek advice from my grandparents. I attempt to see them each and every weekend. My husband comes over for a little as smartly and we in any case head house round 10 p.m.

Day by day Overall: $183.86

Day 3

7:30 a.m. — We get up and get in a position to take the canine to the seashore. I consume a clementine and drink a Nutrition Coke to tide me over. We are living approximately 5 mins clear of the seashore and I promised myself that I might attempt to spend extra time out of doors this yr. I have turn into an actual homebody within the remaining yr and I leave out recent air and sunshine. I drag my husband out and we stroll the canine for somewhat. They adore it.

eight:30 a.m. — We get house and I’ve a bagel for my actual breakfast, whilst my husband prepares his breakfast for the week (eggs and sausage crumbles). We depart round nine:30 to run to the place of work of my 2d process. We’ve got been having critical web issues on the workplace, and my IT husband has presented to lend a hand, so we move and troubleshoot.

10 a.m. — We get house and my husband meal preps his lunches for the week. I may just by no means be as devoted as he’s. I want selection. I paintings on revamping our QuickBooks at the same time as he works on meals. We monitor our price range the use of QB, and he does not really feel like he is keeping an eye on our expenses smartly sufficient. I be offering to take it over from right here on out as a result of it’s my process, in the end.

1 p.m. — I after all take a seat down for lunch (paella leftovers from the night time ahead of) and play on my iPad at the same time as my husband watches a film.

1:30 p.m. — I head again to my grandparents with probably the most canine to satisfy my sister and paintings on just a little venture she wishes to make use of my grandfather’s energy equipment for. The entire thing is a bit ridiculous, however my grandparents benefit from the time spent with them and my canine enjoys the light and folks. I make it house simply in time to start out dinner.

four:15 p.m. — I am getting house and get started creamy garlic hen and rice for dinner. It is a new recipe and I ask my husband and sister-in-regulation for comments. All of them like it. Seems like it is going to make it into our rotation. I did not realize very so much approximately cooking once I first met my husband, however I taught myself so much (thank you, Pinterest!), and when we purchased our new space and my sister-in-regulation moved in with us a yr into our marriage, it began getting in reality pricey to consume out. Plus with me running from house, there is actually no excuse for me not to make dinner. I am indisputably no Julia Kid, however I will be able to whip up a few respectable foods.

7 p.m. — I go back a couple of paintings emails and get ready stuff for day after today.

Day by day Overall: $zero

Day 4

7 a.m. — Get up to my husband coming house from the fitness center. He is going six days every week — I simply do not have that more or less determination. I consume a bagel for breakfast and get in a position for the day. Go back a few paintings emails and giggle to myself. PSA: When you are reserving a holiday apartment, do not use your junk mail e-mail cope with; you’ll lose necessary bureaucracy that method.

eight:forty five a.m. — I get started laundry, take hold of a clementine, and rush to the place of work to allow within the window alternative corporate so they may be able to end changing the home windows within the antique construction we paintings in. I am getting somewhat paintings performed whilst I wait. The fellow is sketchy as hell however there are a few other folks around the corridor who stay wandering by way of the door to test on me and I spend more often than not at the telephone with my sister.

eleven:30 a.m. — The window man finishes in time for me to head downtown and feature lunch with my husband. He’s going to start out running from house complete-time quickly, and we do not have an excuse to visit this a part of the city that has superb eating places. At the same time as we consume, he tells me he solved a quandary with the brand new pc he is construction, nevertheless it necessitated him shopping for a brand new fan cable ($7.86). I do not be mindful any of it, however he constructed my pc and of his personal, so I determine he will have to realize what he is doing. Lunch at a Eastern eating place comes out to $27.37. (It used to be k, however I would not return.) $35.23

three:15 p.m. — My sister-in-regulation and I head to House Depot. She wishes to go back a bath caddy and I pick out up a couple of flower pots, which I paint and promote. (I most effective make approximately $30-$50 per 30 days from them.) Anyone just lately asked a pair in soccer group colours and I used to be in point of fact inspired with how they became out, so I’ll paint a few extra and notice if I am getting any traction round the city. $forty five.12

four p.m. — My husband will get house and we come to a decision on hen parmesan within the Dutch oven for dinner this night. I doubt he recalls however this is among the first foods I made for him when we met; additionally it is certainly one of my favourite fast foods. (That is an ideal aspect get advantages to making plans weeks value of foods. If we do not really feel like one thing one night time, we simply switch with any other night time’s meal.) It is a stunning night time, so I open the home windows to get recent air and switch off the A/C. We do not get many spring days and I plan on playing those we’ve got. We watch Excursion Unknown after which I move slowly into mattress round nine:30 as a result of I’m exhausted.

Day by day Overall: $eighty.35

Day 5

eight a.m. — I consume a bagel for breakfast and paintings on dinner (taco chili). I brown the turkey and blend the whole thing in combination. Part is going within the Crock-Pot and part in a freezer bag to save lots of for later.

10 a.m. — I’ve a hair appointment at 10 a.m. Each and every wintry weather I attempt to do a laugh type colours in my hair. My stylist is fantastic and all the time up for an test. I believe my 2d process a good fortune if it will pay for my hair appointment each and every month. Frequently, it does. This time is only a colour contact-up and a trim, plus I purchase extra shampoo from her. Each and every time I see her, my appointments are no less than 3 hours, so we all the time order lunch from the Panera around the automobile parking space and exchange procuring each and every different. This time used to be her flip, so lunch is loose! $two hundred.eighty

12:30 p.m. — I run to the grocer on my means house to shop for a field of Arm & Hammer Tremendous Washing Soda I want to make dishwasher pills. I am all approximately making my very own stuff to be inexperienced and get monetary savings, however I refuse to make use of one thing subpar, regardless of what quantity of money it saves. I positive wish those paintings! $three.ninety five

1:30 p.m. — I see an internet advert for a kitchen equipment that defrosts meat in mins. I am getting a chit code from clicking at the advert and determine, why now not? The evaluations appear nice. It is $27.33, but when it approach I would not have to understand that to thaw the hen and turkey the night time prior to, I am all approximately it. $27.33

2 p.m. — I am getting a decision from an acquaintance who’s commencing a boutique and needs to understand if I will be able to lend a hand with bookkeeping and stock. As a result of the time crunch (she opens in 10 days), I quote her a top price, which she turns out utterly advantageous with. We agree to satisfy in days to get issues whipped into form. My husband calls later on to mention he discovered new exercise dietary supplements which might be less expensive than his antique ones, so he orders them ($fifty four.22). Issues were very tense given that his mother gave up the ghost and the health club supplies a gentle regimen that is helping his psychological smartly-being immensely​. $fifty four.22

five:30 p.m. — My sister-in-regulation will get house at the same time as I am solving dinner. She’s indignant as a result of a consumer on the grocery retailer the place she works took good thing about her via making her cart his groceries throughout 4 lanes of visitors to his regulation administrative center. She did not realize what to do, so she agreed as a result of “the consumer is all the time proper.â€� I beg her to speak to her supervisor to peer what their coverage is so she does not need to do such things as this someday. Every so often she does not know the way to care for scenarios, and we attempt to provide her as so much steerage as imaginable so she will sooner or later transition out of our space and onto her personal. My husband will get house and we’ve got taco chili.

7:30 p.m. — My husband is enjoying a pc recreation with a couple of of his pals this night, so I take the quiet time to seem up recipes and train myself to make use of the Sq. stock gadget. I test the mail and discover a invoice from my physician for my allergic reaction check. My husband has nice insurance coverage thru his corporate (which handles well being informational products and services), however sadly, ​they do not duvet this. Bummer. I pay on-line and after all move to mattress round 10:30. $one hundred fifteen

Day by day Overall: $401.30

Day Six

eight a.m. — My alarm is going off and I bounce away from bed and clutch a bagel. I do holiday apartment paintings ahead of I’ve a piece name at nine a.m. for task quantity , which wraps up lovely temporarily. We are having a significant issue with the fellow who is meant to be creating our website online and I comply with be the purpose individual at the undertaking as a result of I feel the opposite woman is being approach too great to him.

nine:forty five a.m. — I clutch a clementine and taco chili leftovers and head into the workplace of my 2d process. My boss is in lately, that is all the time a laugh (now not being sarcastic). He presentations me the brand new unfashionable mini refrigerator that were given brought to the place of business and I arrange our new printer. We just lately made over the workplace and he has been actually accommodating in relation to what would possibly make my lifestyles more uncomplicated. He is a keeper!

12 p.m. — My boss finishes his training name and gives to clutch me lunch at our native well being meals marketplace. I introduced leftovers, however a wrap sounds a lot more scrumptious, so I agree. He leaves and I head around the corridor. My family member who rents the opposite a part of the construction runs a spa, and I am getting my underarms waxed through her. I’ve been seeing her for 8 years now and I will be able to NEVER return to shaving. She fees me part worth for waxing, and in trade, ​I proofread and edit all her promotional fabrics. $15

12:30 p.m. — Boss will get again with my turkey bacon wrap and we consume lunch in combination. He treats (as all the time) and we speak about industry and the place issues are going with the opposite corporate he runs. He jumps again on a decision and I paintings on cleansing and organizing a submitting cupboard.

three p.m. — In any case wrap up and head house, the place I chill out with a snack and my iPad till my husband will get house from paintings. On the grounds that my husband’s task is converting and he and all his workers are approximately to start out running from house, they would possibly not be a part of his staff anymore. He’s taking them to peer a film for one remaining group-construction workout on Friday however as a result of finances cuts, ​his corporate would possibly not reimburse him and this one is on us. We pay prematurely and get a mild cut price in view that he has issues from going to the films so steadily. $fifty two.seventy seven

6 p.m. — My husband and I meet my mother and her husband for a double date. Our dinner is incorporated in the price of a price ticket (which we purchased final month), however they rate me $2 for a Nutrition Coke (!!). We consume and watch Little Store of Horrors and tip our waitress $25 later on. We’ve got an absolute blast and agree to return to peer a pair extra presentations with them. $27

Day by day Overall: $ninety four.seventy seven

Day Seven

6:forty five a.m. — My alarm is going off and I take hold of a bagel and a Nutrition Coke. I need to be at my new consumer’s space by way of eight a.m​. Fortunately, she lives approximately 10 mins away, so I do a couple of bits of holiday apartment paintings after which get in a position.

eight:forty five a.m. — I % my pc, a snack, and a Nutrition Coke, and rush out of the home. I seize the canine to drop her off at daycare at the means. Once we moved into our new space, she began chewing holes within the drywall whilst we have been at paintings, so we began striking her in daycare 3 days every week and I negotiated with my bosses to work at home days every week (as an alternative of having a every year efficiency lift). Now that I earn a living from home always, she technically does not want to move to daycare, however I nonetheless like her to get the socialization and workout.

12 p.m. — I end up with my new consumer. She’s now not even positive what she wishes however I helped her thru a few stuff and we agree that I will be able to get started bookkeeping for her so she will center of attention on different portions of the industry. My husband is on the dentist for an annual cleansing ($forty) and he choices up a smoothie at the means house ($6.20). Does not even be offering to get me one, the nerve! $forty six.20

1 p.m. — My husband tells me he is leaving to visit the spa. A family member ran a flash sale lately and I were given him an hour-and-a-part therapeutic massage, so he will use it now as a result of his shoulder is tight. (He guidelines $25.) Proper as he’s leaving, my mom calls me to peer if I need to pass to lunch. I throw hen within the Crock-Pot for dinner and head out. We meet at a sandwich store the place I order small Parisian sliders and she or he has a Reuben​. (Her deal with.) We speak about my sister and her long run after which talk about my mother’s upcoming holidays. As I am leaving, my boss calls to speak about taking over a brand new assets and whether or not it is value it. We come to a decision it is not. $25

2:30 p.m. — I am getting house and do a host extra paintings. I will be able to’t work out why considered one of our condos is renting like mad and any other in the similar complicated with the similar view is getting not anything. I take a look at comps and come to a decision to decrease the nightly price a bit of bit. Perhaps we’re going to get extra pastime. Later on, I blank up the kitchen a bit of bit and blank out my automotive for my oil amendment the next day.

four:30 p.m. — I take the hen out and shred it. There are such a large amount of scrumptious lemony-pepper juices on the backside of the Crock-Pot​ that I do not need to pass to waste so I upload flour in thicken it after which throw the hen again in. I’m going to get started the rice and broccoli in a while. I additionally test our checking account and see HP withdrew our per month wireless ink subscription. I want to communicate to my husband as a result of now that I am not printing so much at house for paintings, I am not positive this cost is worthwhile.

five:30 p.m. — I sauté broccoli and make rice, and we consume whilst observing Space Hunters. I am positive my husband is so in poor health of this display, however I like it and it is a senseless 30-minute software. Simply as we are completing, the blokes display as much as degree the again doorways for alternative. They let us know it is going to be simple and now not customized paintings, so expectantly, it is going to be a cheap worth.

7:30 p.m. — My sister comes over and we watch TV at the same time as completing up her craft undertaking. She leaves and my husband and I move slowly into mattress early as a result of he is not feeling smartly. I learn the scoop prior to going to mattress.

Day by day Overall: $seventy one.20

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She works an element-time task and will pay us $250/month, which we placed against her expenses (telephone, and so forth.). The remaining is going right into a financial savings account for her in case she wishes anything else. It in point of fact has little touching on our budget with the exception of all our expenses account for 3 other folks and so do our dinners.

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