A Week In New York Town On A $forty,000 Earnings

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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 throughout a seven-day duration — and we are monitoring each and every ultimate greenback.

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This week: We are taking a look at Cash Diaries all the way through the (steadily pricey) vacation season to peer how other folks shop up — and spend. Lately, for the final access of our vacation MDs: a movie distributor who makes $forty,000 according to yr. She spends a few of her cash on mini-chocolate champagne bottles.

Profession: Movie Distributor
Business: Movie
Age: 26
Region: New York, NY
Income: $forty,000
Paycheck (As soon as Consistent with Week): $598.07

Per thirty days Bills
Housing: $550. I are living in a circle of relatives-owned condo. My roommate and I each and every pay my oldsters $550 per 30 days to hide the taxes, charges, and utilities my oldsters pay at the condo.
Mortgage Bills: $zero

All Different Per thirty days Bills
Fitness center: $10.forty five
MoviePass: $nine.ninety five
Spotify: $nine.ninety nine
Well being Insurance coverage: $179
Hulu & Netflix: $zero. I exploit my oldsters’ bills.
Cable & Web, Water & Electrical energy: $zero. Incorporated in $550 hire cost.

Day One

10:30 a.m. — I am getting away from bed after my Emergency Do not-Sleep-Later-Than-This alarm is going off, and am uncharacteristically lively. I slip on denims and a t-blouse, consume a troublesome-boiled egg, make a pot of espresso for my thermos, brush my tooth, and head out the door. Dealer Joe’s is packed, although it is sooner than midday on a Sunday. Remaining night time, I babysat with my easiest family member and she or he advised me a few “cleanseâ€� she lately began. The nutritional regulations and required self-discipline gave the impression too farfetched for me, however my largest takeaway used to be to take a look at chopping my sugar consumption. She says that doing so has labored wonders for her pores and skin and effort ranges. I typically spend $30-35 a week on groceries, however spend slightly extra these days. I purchase Stevia packets, avocados, inexperienced peppers, bananas, Greek yogurt, spinach, 3 pre-packed salads, frozen hen breasts, hen sausage, brie, packing containers of pasta, and frozen berries. $fifty three.37

1 p.m. — I take the subway (my corporate will pay for my per thirty days MetroCard) to the Higher East Aspect to satisfy a school family member for bagels at H&H. I spring for lox and we seize up for a at the same time as sooner than strolling a couple of blocks north to peer Coco! I’ve a MoviePass subscription so my price ticket (in most cases $15) is “freeâ€�! We snigger, we cry, we depart, and it is darkish out as a result of wintry weather is coming. $eleven.ninety two

four:forty five p.m. — Hop at the downtown subway and as an alternative of going house, stroll into DSW. I’ve $one hundred forty of babysitting money burning a hollow in my pockets, and I want a new pair of trainers. I spend just about an hour perusing, however not anything speaks to me, so I depart empty-passed and stroll house. I am getting house and am yearning one thing candy, so I’ve a couple of too many pretzel M&Ms. Slicing down on sugar goes in point of fact smartly.

eight:30 p.m. — After a couple of hours of catching up with my roommate, staring at final night time’s episode of Saturday Night time Are living on Hulu, and journaling, I after all in finding myself somewhat hungry. I make natural tomato and roasted pink pepper soup! (A.okay.a., I warmth up Dealer Joe’s soup at the range.)

Day by day Overall: $sixty five.29

Day

7:25 a.m. — I reluctantly roll away from bed after hitting snooze as soon as and get within the bathe. After, I pick out my outfit for the day and placed my Dealer Joe’s salad in my bag for lunch. I additionally take away a frozen hen breast from the freezer to defrost. I am not very hungry but, so I believe ready to consume breakfast till I am getting to paintings. After creating a cup of inexperienced tea, speaking to the roommate after she returns from yoga (and sharing which T. Quick track is caught in our heads — “Delicateâ€� in mine, “Gorgeousâ€� in hers), I am getting dressed and depart my condo to take the subway into Brooklyn for paintings.

nine:35 a.m. — I arrive, slap on a grin, make a cup of espresso from the Keurig, and raid the snack cupboard for a rice cake. I upload peanut butter and honey on most sensible. For the following few hours, I solution more than a few emails, learn a large number of tweets, and watch the selection of “Articles You Have Left This Monthâ€� on The New York Occasions ‘ site pass down.

1:30 p.m. — Lunch time! I paintings above a meals courtroom, so I take my salad and a e-book downstairs to the large eating space, and use my complete hour to consume, learn, and scroll thru Instagram.

6:01 p.m. — I’m OUTTA there! I am a company believer in leaving paintings while you don’t have any extra paintings to do, so I am stored via the 6 o’clock bell! I take the subway house, rocking out to a Christmas playlist I made in highschool, and taking a detour on the Dealer Joe’s wine keep. Every so often there’s a line out the door to only get in, however thankfully it is lovely quiet. I grasp bottles of pinot noir as a result of it is Monday — and howdy, perhaps I’m going to convey one to a vacation birthday celebration! (Or now not.) I stroll house, feeling thankful the day’s over. $12.50

eight:30 p.m. — In any case feeling hungry, I make hen, inexperienced peppers, and penne after in short catching up with my roommate ahead of she is going to a live performance. I, however, were parked at the sofa in entrance of E! Information seeing that I were given house.

nine:30 p.m. — I am glasses of wine in, mindlessly swiping thru Bumble (I am newly unmarried), and gazing the hilarious Seek Birthday party. I am additionally scrolling thru Twitter (being a millennial is all approximately multitasking, is not it?) and studying concerning the president’s endorsement of a kid molester for Alabama senator. Livid, I make a donation to Doug Jones’ marketing campaign ahead of going to mattress. $10

Day by day Overall: $22.50

Day 3

7:30 a.m. — Getting away from bed is so onerous nowadays. It did not lend a hand that I used to be in the course of a tension dream while my alarm went off, so I get started my day in a unusual temper. I hop into the bathe, get out, chat with my roommate (she is the best possible and we adore each and every different very so much!), and she or he leaves early so she will stroll to paintings. I am not very hungry, so I make a bowl of Greek yogurt with granola and just a little honey ahead of I depart.

nine:forty a.m. — I am getting to paintings a couple of mins past due and in an instant make a espresso from the Keurig. Most likely the yogurt wasn’t as filling as I assumed, since the espresso is going all the way through me and I’m jittery AF. Probably the most fun e-mail I obtain is an invitation to enter my boss’ place of business to pick out a reputation for Mystery Santa. I am excited that I select the identify of a woman I do know rather smartly! I brainstorm what to shop for for her, feeling thankful for the $20 restrict.

1:30 p.m. — A brand new worker joins me for lunch, and we pass downstairs with our lunches from house. I’ve a unique Dealer Joe’s salad lately that may be in simple terms greens and I’m frightened, however it finally ends up being lovely tasty and really filling! Perhaps what they are saying approximately greens is right — that you simply will have to, like, consume them.

five:fifty five p.m. — My to-do record has contracted, and I am in reality serious about my night plans. I depart the place of business and take the subway to the Greenwich Village. I’ve an immense pizza yearning, so I prevent into Joe’s Pizza however it is money handiest. Double ugh: I left my wad of babysitting money on my bedside desk. I withdraw $20 (with a $2.seventy five price) from the ATM out of doors of Joe’s, and consume probably the most scrumptious slice of cheese pizza ($three) I have had in a very long time. $five.seventy five

6:50 p.m. — I stroll blocks during the rain to satisfy my family member at a groovy Belgian beer bar. We’ve not noticed each and every different in a couple of weeks, so when I order a lager (she’s been there for a couple of mins and already has one) we temporarily seize up, commiserate approximately paintings, and brainstorm festive Christmas-y issues to do in combination. At 7:30, we understand we are operating past due to our large adventure, so we ask for the test and cut up the invoice. I insist on procuring part of “herâ€� fries as a result of I no doubt ate part of them. $thirteen

eight:15 p.m. — We wait out of doors within the pouring rain for half-hour sooner than in any case being allow into the film theatre to peer Global of Day after today 2, a brief movie through certainly one of our favourite filmmakers! We’re surrounded by way of fellow movie nerds and it’s superb, and the Q&A with the filmmaker is an brought bonus. Smartly well worth the $15 I spent at the price ticket I ordered weeks in the past. After the film, we cut up tactics and I take the subway house, chat with my roommate, and get in a position for mattress.

Day by day Overall: $18.seventy five

Day 4

7 a.m. — I am up in advance than same old nowadays as a result of I’ve a pre-paintings espresso assembly at eight. I roll away from bed, turn into suitable apparel, and consume a banana. Come what may this takes me fifty five mins, and I understand I’ll be a couple of mins past due. So, I energy stroll up the road to the café the place I am assembly somebody for the primary time in years; he messaged me on LinkedIn remaining week asking to seize up. Networking is so awkward, however it is vital in my business.

eight:15 a.m. — He’s operating a couple of mins past due, so I purchase myself a espresso to finish the awkward stare down I am getting from the barista. $2.seventy five

nine:15 a.m. — The assembly is going in reality smartly! He principally attempted to provide me a role interview, which used to be flattering. I might have appreciated to stick longer however I am operating rather past due to paintings, so I head out and take the subway into Brooklyn. As soon as I am getting to the place of business, I face up to taking a loose doughnut from probably the most FOUR bins at the kitchen desk, and choose to make a rice cake with peanut butter and honey.

1:30 p.m. — I am borderline hangry after an organization-extensive “Investing 101â€� assembly. I consume lunch on my own these days, and it is my remaining Dealer Joe’s salad of the week. I take my complete hour, then come again upstairs with only a few emails to respond to. I make a cup of tea within the workplace kitchen, and get again to paintings, which is composed of emailing a couple of folks and FedExing a pair Blu-rays.

6 p.m. — The workday is completed! I take the subway into New york and stroll thru Washington Sq. Park to observe the Christmas tree lighting fixtures. Approximately two hundred individuals are crowded across the large tree, making a song carols along side a brass band. I keep for approximately 10 mins, reveling in vacation cheer, prior to strolling to a book place on a project to shop for a Mystery Santa present. I spend forty five mins wandering the aisles, and finally end up getting a 2018 planner for myself and a mug for my Mystery Santa. $33.86

7:forty five p.m. — I stroll house and warmth up leftover hen from nights in the past. My roommate comes house from yoga a bit after eight, and we seize up and watch Elf in combination at the same time as I paint my nails.

Day by day Overall: $36.sixty one

Day 5

6:30 a.m. — I attempt to move to the fitness center prior to paintings once or more every week, and lately’s the day. Out the door at 6:forty five, I stroll to the fitness center and spend approximately forty five mins there. I stroll house, say howdy to my roommate who has the day without work, and hop within the bathe.

eight:30 a.m. — I’m operating in advance of time table for the primary time considering the fact that my first week at my process six months in the past. I exploit that overtime to make a smoothie with soy milk, nonfat Greek yogurt, part an avocado, spinach, and a frozen berry medley. After one sip, I make sure that I’m a smoothie genius. I take it to-move, and head to the subway. On my trip, I pay attention to a “Before a Tricky Conversationâ€� meditation tape.

10:15 a.m. — I have been at paintings for 35 mins, and it is time to do one thing I have been making plans for months. I hand over my process. Smartly, I installed my weeks realize. However sure, I hand over my first ever complete-time task with (minimum) advantages and a gentle revenue. It’s terrifying and I will have cried somewhat, however I’m so relieved while it is over. I have freelanced within the movie business for the earlier 4 years, and whilst the revenue levels from $10,000-$20,000 according to yr, my happiness pursuing my more than a few passions fulfills me past trust. I textual content roughly one million pals and obtain a wave of congratulatory messages. I completely don’t have espresso, as a result of among understanding this morning and quitting my process, I’m feeling full of life AF. Sooner or later, even though, the odor from the coffeemaker within the kitchen attracts me in, and I provide in.

1:30 p.m. — Thursdays and Fridays are typically the times I deal with myself to lunch from a close-by meals corridor. I walk inside of with a coworker, and we come to a decision on sandwiches. Typically, their wraps are an obscene $14, however on Thursdays, they have got an $10 unique on the whole thing. In fact, I select the wrap that may be $1 additional. After tax, my invoice involves $eleven.ninety eight. My coworker and I consume in combination and dish on my resignation. I’m comfortable at lunch for the primary time in months. After consuming, we have a look within the chocolate store within the meals corridor. They have got the cutest chocolate mini-champagne bottles that I have all the time wanted an excuse to shop for, and I come to a decision that there is not any higher day than nowadays to shop for them. I pick out up ($6 each and every) – one for me, one for my sister, who I am traveling this weekend. $25.05

five:30 p.m. — Everybody within the workplace geese out early for a vacation birthday party hosted via the construction for all of the tenants. There is loud song, dancing, and so much importantly: loose food and drink. I’ve a white wine, a mulled wine … some other mulled wine, and items of pizza. I am skeptical this may increasingly fill me up for dinner, however it is undoubtedly scrumptious. An hour into the birthday party, I name it an evening and take the subway into New york.

7:forty p.m. — My roommate and I meet at our favourite Mexican position for a celebratory drink. Me quitting my process is nearly as fun for her as it’s for me, as a result of she’s needed to spend the ultimate six months consoling me. I order tacos and a Paloma, and she or he will get a taco salad and tequila at the rocks. We cut up the invoice and stroll house. $29.22

Day by day Overall: $fifty four.27

Day Six

eight a.m. — I am taking a psychological well being/paintings-from-house day. I really like how getting up at eight feels luxuriously past due. I chat with my roommate as she will get in a position for paintings, and I make a cup of tea, consume a banana, and take a bath.

10:forty five a.m. — After studying a couple of emails, I stroll across the nook to CVS. I pick out up make-up, deodorant, toothpaste, and picture theater sweet for my Mystery Santa. Usually, I’ve a host of coupons, however nowadays I am coupon-much less and paying complete worth. Rattling. $33.12

12:10 p.m. — I am ravenous and a bit of headachey. I understand I have never had any espresso but, so I make a cup from our Nespresso device and my headache dissipates. Remaining night time, my mother texted to mention that she and my dad have a field of cookies for me at their rental. I stroll over to pick out them up for the reason that they are living a couple of blocks clear of me. On my means house, I prevent in Pret A Manger to shop for a sandwich, as I wouldn’t have any lunch meals at house. $eight.15

2 p.m. — After a 30-minute paintings convention name, I take the luggage I packed this morning and stroll to the subway to get to Penn Station. I am getting there with approximately 20 mins to spare sooner than my teach, and it is a great amendment from frantically operating during the station. I purchase a one-method NJ Transit price ticket to Philadelphia. Off to peer my large sister! $26

five:30 p.m. — I am getting to Philadelphia, and in keeping with my sister’s directions, take a trolley to satisfy her at a cafe. The trolley price ticket is $2.50. The trolley device is so complicated in comparison to the New York subway; there is not any option to understand the place you’re as a result of they do not announce each and every prevent! I come what may be capable of get off the trolley on the proper prevent, and stroll around the side road to satisfy my sister and her coworkers for dinner. glasses of wine and a couple of slices of pizza later (the 4 folks cut up the invoice — $29.fifty six each and every, together with tip), she and I stroll again to her position. $32.06

Day by day Overall: $ninety nine.33

Day Seven

nine a.m. — We sleep in somewhat and get up to a wintry weather wonderland! We each and every have a bowl of cereal in my sister’s kitchen, dress, and come to a decision to stroll during the snow to get espresso. Once we get to her favourite espresso position, there aren’t any seats to be had; seems like everybody in the community additionally sought after a picturesque morning! We stroll a couple of extra blocks to a vegan doughnut save and each and every get a espresso. I additionally order a cinnamon sugar doughnut, and she or he orders a lemon raspberry. I pay for either one of us. $nine.18

10 a.m. — We make a couple of stops at the stroll again to my sister’s position, together with to a bit bookstall, a puppy retailer (sooo tempted to undertake one of the crucial kittens within the window), and her meals co-op. She buys groceries so we will be able to make lunch, and insists on paying.

2 p.m. — When we make lunch (rice, beans, and veggie stir fry) and consume a couple of too some of the cookies my oldsters gave us, we stroll across the nook to observe a loose choral efficiency within the out of doors pavilion of a gardening retailer. Tremendous cool!

6 p.m. — We spend a couple of hours warming up in her condo, then take the trolley ($2.50) into downtown Philly to take a look at an enormous ice rink and wintry weather hotel arrange through the river. It’s so stunning and festive, and “All I Need For Christmas Is Youâ€� performs approximately 3 times in a row. I’m in heaven. We heat up subsequent to a hearth, then stroll into probably the most Christmas-y taking a look pub we will be able to in finding for dinner. Feeling a chilly approaching, I order a scorching toddy (sister does, too) and am surprised on the low worth of $7.50. “Welcome to Philly!â€� my loving sister name callings. I am getting a hamburger, she will get fish and chips, and we each and every get a drink referred to as “Festive Fashionedâ€� after our scorching toddies. This spin at the Antique Formed is a value I am extra used to, $eleven. Utterly value it. We cut up the invoice. $forty.70

eight p.m. — I want to purchase any other experience at the trolley to get house, and my sister indicates I purchase trolley tokens for $four as an alternative of 1 trolley card for $2.50 in case we journey the trolley the next day. I’m going to say it once more: the Philly subway/trolley gadget is complicated. $four

nine p.m. — We get house after a very snowy and festive day, and get in touch with it an evening — satisfied to be comfy and heat in combination.

Day by day Overall: $fifty three.88

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