A Week In New York Town On A $one hundred,000 Income


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 final greenback.

These days: a paralegal supervisor who makes $one hundred,000 in keeping with yr. This week she spends a few of her cash on a family member’s wedding ceremony and a inexperienced smoothie.

Profession: Paralegal Supervisor
Business: Regulation
Age: 26
Region: New York, NY
Revenue: $one hundred,000
Paycheck (2x/month): $2,578 (after tax and pre-tax deductions)

Per month Bills
Housing Prices: $1,112.50. I percentage a studio at the Higher West Aspect with my boyfriend of over 9 years (henceforth referred to as “BF”).
Scholar Loans: $164.sixty four. I’ve approximately $10,000 left to pay, out of the $forty,000 I graduated with in 2013.

All Different Per month Bills
Fitness center: $205. (This worth features a company cut price as a result of my company. We additionally get $four hundred each and every six months if we will be able to turn out no less than 50 fitness center visits for the ones six months, which I do.)
ConEd: ~$20 after splitting with BF
Web: $25 after splitting with BF
Circle of relatives: $one hundred twenty for my sister’s allowance at the same time as she’s at school. I do that most commonly to lend a hand my oldsters.
MetroCard: $121. (I want to work out the way to get this deducted pre-tax ASAP!)
Tidal: $10. (I do know, I do know.)
Hulu: $eight. (I am getting Netflix and HBO from pals, and I provide them Hulu in go back.)
Laundry: ~$eighty (extra in this later)
Mobile phone Telephone: $70 towards my oldsters’ plan, however my company provides me $eighty/month to learn paintings emails on my private software.
Renter’s Insurance coverage: $five.38 after splitting with BF
Financial savings: I deduct 10% of my earnings to my 401(okay) and deposit no less than $two hundred/month into my Barclays Dream account to save lots of for large journeys.

Day One

7:30 a.m. — Get up and prep nowadays’s lunch. I used to be intended to try this the previous day, however I were given house later than anticipated. I % my bag with exercise garments so I will be able to optimistically make it to a yoga elegance after paintings.

eight:30 a.m. — Want to reload my MetroCard! I simply began a brand new process and am ready to deduct my transportation bills from my paycheck, pretax. I frequently get a limiteless card, however I’m going to be out of the city the following few weekends, so it does not in point of fact make feel to get one at this time. $26.25

nine:30 a.m. — Breakfast at my table. I attempt to stay breakfast meals at my table always so I shouldn’t have an excuse to spend cash. I consume a sprouted entire-wheat tortilla with almond butter and chia seeds, plus an apple. I even have my workplace’s gross (however loose) espresso.

12 p.m. — Lunch that I made this morning! Kale with garlic lemon dressing, brown rice, and cannellini beans with my favourite Healthade Kombucha taste — blood orange, carrot, ginger. And a work of darkish chocolate for dessert.

four p.m. — Snack time: inexperienced tea and Lesser Evil Buddha Bowl popcorn from the stash I stay at my table.

five:30 p.m. — Paintings is quiet so, it seems like I’ll make it to yoga! I sprint out of the workplace with a coworker-family member to ensure we get a great spot for the 6 p.m. elegance.

7:30 p.m. — Simply getting house from yoga. I’ve leftovers from meal prepping this morning, however I need to make sure that I’ve lunch for day after today, so I sauté candy potato cubes and recent cremini mushrooms, and consume that with leftover brown rice and cannellini beans, crowned with tahini and scorching sauce! Delish.

nine:30 p.m. — It takes me FOREVER to do the dishes. (We would not have a dishwasher.) I left dishes within the sink this morning and introduced extra from dinner simply now, and I’ve to prevent and dry 3 times sooner than I end. My boyfriend is space/canine-sitting this entire week so I’ve our studio to myself, which is sweet. (I really like dwelling with him, however I additionally in reality get pleasure from and wish on my own time.) However doing chores is more or less a drag in view that I am so used to splitting the whole thing with him. When I end, I munch on strawberries and hunker down for the season finale of The Leftovers! I cast off staring at it till all of the episodes have been launched. I am so unhappy it is over!

10 p.m. — Laundry pick out up! I do know I will have to more than likely move to the laundromat to do my laundry, however with all of my exercise garments, I want to do laundry as soon as every week. Having anyone wash and fold them, and with the ability to hold-dry my stuff for approximately $20/week is MORE than value it for me.

eleven p.m. — I’m going to mattress hoping I would not have nightmares from The Leftovers.

Day by day Overall: $26.25


6:30 a.m. — Alarm is going off! I attempt to snooze 10 mins, however rise up as a result of I am having a nasty dream besides. It wasn’t associated with The Leftovers, however some other one the place I’m on the airport looking to make my flight however I stay operating into issues and can not make it to the gate! I am getting dressed and head to the fitness center.

7:30 a.m. — Fitness center time. The StairMaster device I love is taken, so I stroll at the treadmill till it frees up. I do the fats burner environment on arduous for half-hour, then do a velocity exercise at the treadmill for 15, after which quarter-hour of an arm exercise. I really like beginning the day with a tricky exercise. I head to the locker room to bathe and, rattling it, I forgot to % a bra. My sports activities bra is just too sweaty to even ponder dressed in it for the day, however fortunately the get dressed I am dressed in is lovely thick and I feel I will be able to break out with it. (I simply have Bs besides.) I shouldn’t have a large number of conferences, so I will have to be capable of lie low in my place of business!

nine:30 a.m. — Submit-exercise breakfast is a tortilla with almond butter, apple, and chia seeds once more. I even have iced espresso that I introduced from house.

1 p.m. — Lunch is final night time’s candy potato, brown rice, and leftover kale salad. It has SO MUCH garlic in it folks can most likely odor me from a mile away, however I do not care as a result of I like it.

five p.m. — Inexperienced tea and popcorn from my stash. I was a snacker at my antique task as a result of I labored till 7 p.m. or later, so I wished a lil’ one thing round five p.m. to get me thru to dinner.

7 p.m. — I prevent on the retailer to pick out up issues for dinner (extra mushrooms and kale). I additionally need to make cookies for my group. I simply began this supervisor place, and I’ve to regulate a gaggle of approximately 20 up to date grads! I am lovely worried, and I don’t believe making cookies is in any new supervisor’s manual, however what the hell. $eleven.fifty five

nine p.m. — Laundry will get dropped off. I’m too drained to make cookies, so I skip that and get in a position for mattress. I’m going to lead them to day after today. I arrange the whole thing I’m going to want for the fitness center and the workday in my backpack. If I do not arrange completely the whole thing I want the night time ahead of (right down to the socks), I would possibly not rise up. $19.fifty three

Day by day Overall: $31.08

Day 3

6:30 a.m. — Get up for fitness center time! I am getting myself in combination in 10 mins and make it in time to do a snappy stroll at the treadmill sooner than making an attempt a brand new elegance referred to as “athletic conditioning.� It is in point of fact simply circuit coaching, however it will get me sweating so I am proud of it.

eleven a.m. — I am so unhappy for everybody in Mexico that suffered from those final devastating earthquakes. I used to be in a importance 7.6 earthquake while I used to be eleven, and it used to be probably the most scariest reviews of my lifestyles. There is not any prep time for earthquakes, and there’s not anything like strolling round together with your mother purchasing for pajamas one 2d and the following, the earth begins to transport beneath your ft and people are operating for his or her lives. I analysis respected companies and donate $20. It is not so much, however there’s such a lot happening at the present time I think like I’m making donations each and every different week. $20

1 p.m. — My family member is getting married on Saturday, and I in reality want to get my nails performed. I used to be going to take a look at to visit my favourite nail salon in my place of birth the day of, however with hair and make-up appointments that day too, I do know it is going to be too loopy to additionally do nails. I glance on-line for salons that do SNS powder gel and head over. I do not care what any person says approximately SNS; it lasts 3 weeks with ZERO chips, and I adore it. I additionally get a pedicure with callous remover as a result of I want it! $eighty

five:00 p.m. — Paintings is lovely quiet nowadays, so I am chilling at my table, studying Cash Diaries and consuming inexperienced tea with popcorn.

6:30 p.m. — The subway in point of fact sucked this afternoon, so it takes me forty five mins to get house as an alternative of the standard 30. I prevent at Entire Meals and pick out up the cookie provides and foods for shakshuka, a weekly staple at our position; it is simple to make and is superb for paintings lunches. I additionally deal with-purchase kombucha and strawberries. $30.seventy two

eight:30 p.m. — It is been a cooking marathon this night! I chop the whole thing for shakshuka and whilst it chefs I make the cookie dough. It is a vegan recipe, so I exploit banana and coconut oil as an alternative of butter. Handiest BF is exactly vegan, however I’ve to mention it is very pleasant to discover a scrumptious vegan recipe.

nine p.m. — OMG: BF makes a wonder look! I knew he used to be beginning to leave out me. We hang around, and he attempts to consume all the cookies I made, however I’ve to prevent him as a result of I need to percentage them at paintings! They’re actually superb despite the fact that; it is the New York Occasions ‘ Banana The whole thing Cookies recipe, however I swapped the canola oil for coconut oil and the white sugar with turbinado. I used to be going to lead them to entire wheat, however given that I sought after to percentage them I did not need to take too many probabilities with the recipe. BF leaves to return to his canine-sitting tasks, and I watch an episode of Gilmore Women that I have already noticed one million occasions and move to mattress.

Day by day Overall: $one hundred thirty.seventy two

Day 4

five:fifty two a.m. — For this 7 a.m. elegance in Tribeca, I have discovered that five:fifty two a.m. is the very best alarm time as a result of I snooze till 6 a.m., then I want 10 mins to get in a position, and I am out the door via 6:12 and there’s on a regular basis a teach while I am getting there and I make it with 10 mins to spare ahead of the category. Now not getting a great spot for a category provides me such a lot nervousness. Occasionally I do not even pass to the category if I’ll be not up to 5 mins early.

nine:30 a.m. — Yoga elegance and aerobic have been fab, and I am feeling nice these days! I make breakfast and face up to consuming a cookie with each and every fiber of my being. I most effective have 10 left and have not even shared but. Whoops! I attempt to percentage the cookies with the paralegals I am in command of and none of them need any. Oh smartly. Bet I’m going to have to take a look at one thing else with them! Weirdos…

12 p.m. — I meet with a few coworkers within the cafeteria for lunch. I consume my shakshuka with avocado, percentage the cookies with my lunch buddies, and they’re a success. In any case a few appreciation!

five p.m. —Inexperienced tea, popcorn time, and a cookie.

five:30 p.m. — I have had an iPhone 6s for just about years now and am in a position for an improve. I do know I am not going to splurge for the iPhone X, however with my plan I will be able to make industry in for the iPhone eight for a similar per thirty days worth I am paying now. I’ve to pay improve charges and taxes, and I’m going to even have to shop for a just right case, however I’m going to take care of that when I in reality get the telephone! $103.sixty six

7 p.m. — I am getting house and make leftovers for dinner; I am consuming shakshuka for the 3rd time in a row, however I’ve a large weekend in advance of me — my very best family member’s wedding ceremony — and there can be a large number of bills.

nine p.m. — I % up the whole thing I want for the large weekend and move to mattress early. My get dressed continues to be on the tailor, so no less than I would not have to fret approximately lugging it round day after today.

Day by day Overall: $103.sixty six

Day 5

five:fifty two a.m. — Health club time. I am feeling tremendous groggy this morning, so I prevent at Amish Marketplace so that it will the health club and purchase a kombucha. After elegance, I stroll at the treadmill for 20 mins. While I am performed, I head to the locker room to bathe and do my weekly weigh in. Ever seeing that I began doing yoga and consuming extra plant-primarily based foods (way to sharing foods with BF), I’ve began feeling nice. $three.ninety nine

nine a.m. — Breakfast with espresso. I am looking to get the whole thing performed ASAP at paintings lately due to the fact I’ve to go away early to make it to the marriage practice session. Fortuitously issues are quiet, and I will be able to have a leisurely lunch with coworkers.

eleven:15 a.m. — I forgot my Spanx at my rental, and I surely want them for my bridesmaid get dressed, so I run to Century 21 and get any other pair. $15.ninety nine

1 p.m. — I meet coworkers within the foyer of the construction and head over to Eataly around the side road. I am getting slices of pizza and we seize up and chat approximately paintings, consume, and benefit from the great climate. My coworkers come to a decision to get gelato for dessert, however I am too complete. $thirteen.seventy two

three:30 p.m. — I meet any other coworker within the company’s cafeteria to seize up. I simply began this process and need to get to understand everybody in order that I’ve a few visibility on the company, and will begin to generate concepts for my new position. I convey tea from my table and simply ask for decent water, so I do not purchase anything else.

four:30 p.m. — Head to Grand Relevant to seize the teach to my place of birth the place the marriage will probably be. I am so excited for the weekend, I prevent and purchase a pleasant part-bottle of Sauvignon Blanc for the teach experience ($14.09). I’ve an off-height, 10-travel teach cross I purchased a whilst again, however this can be a height hour teach and I’m going to need to complement my move with $five. $19.09

7:30 p.m. — The practice session is going smartly! The bride is in point of fact stressed, however we be capable to get everybody in combination to head during the motions of the large day, and I feel everybody shall be ready. The daddy of the bride introduced sandwiches for everybody, so we consume and hang around for somewhat. A number of the bridal birthday celebration leaves, however the bride and groom, and a couple of different bridesmaids and I head to the bar subsequent to the venue for a submit-practice session drink. I purchase the primary spherical. Striking out with people are great, however everybody round me feels so grown up with all in their child and wedding ceremony communicate; I begin to really feel stressed. I am so satisfied for my highest family member, however I’m now not in a position for the duties of marriage or motherhood. I want a holiday and ask my more youthful sister to pick out me up. $26

nine p.m. — I am for sure feeling the vodka sodas I simply had, and my sister could also be in a “funâ€� temper. She by hook or by crook convinces me to head out and drink extra vodka in her room, however after being round all of the “almost grownups,â€� I come to a decision to sign up for the recklessness. My boyfriend is operating till middle of the night besides, so it is not like I’ve anything to do! My sister shall we me borrow her garments, and we pregame in her room whilst our mother watches TV upstairs. Seems like highschool and I adore it.

10 p.m. — We take an Uber to a bar approximately quarter-hour away (now not like highschool). We’re unquestionably under the influence of alcohol, and I truthfully do not remember that so much of the night time. After checking my bank card the following morning, seems I spent $24 on beverages on the bar we went to. $24

eleven:30 p.m. — Sooner or later, I understand my sister is just too under the influence of alcohol to be out (k high quality, so am I), so I name an Uber to return get us. I additionally name my boyfriend to satisfy me at house, so I will be able to stick with him at his oldsters’ position the place he’s space/canine sitting. $14.seventy two

Day by day Overall: $117.fifty one

Day Six

eight a.m. — OOOF. Tough night time. I get up with a pounding headache and no concept the place my telephone is. I legitimately assume I misplaced it within the Uber as a result of I do not keep in mind that so much. I am additionally intended to be on the lodge with the opposite bridesmaids getting in a position, however I will be able to’t face them like this, and I want to work out my telephone state of affairs.

eight:30 a.m. — Fortuitously I’ve my Apple Watch, which nonetheless works with Wi-Fi. I textual content my sister and ask her WTF came about to my telephone, however she is in a worse state than I’m and has no concept. I textual content the bridesmaids that I am operating past due however will prevent through prior to my Drybar appointment at eleven a.m. I inform my sister to return pick out me up so I will be able to pass pick out up my bridesmaid get dressed on the tailor ($20) and so we will be able to get hangover-preventing inexperienced smoothies ($7). $27

nine:30 a.m. — We get to my oldsters’ space and my telephone is nowhere to be discovered! I check out calling it however no solution. I will be able to’t consider I left it within the Uber. Particularly on account that I simply ordered a brand new telephone and want to hand that one again to Verizon so I do not get charged!

nine:forty five a.m. — I force to my boyfriend’s space to do a final test for the telephone — and ta-da! It is in a room I did not test in advance. THANK GOODNESS! I textual content the bridesmaids that I’m on my method!

10 a.m. — I am getting to the lodge room and hold with the bridesmaids, making an attempt desperately to cover my hangover. Thankfully, people are targeted at the bride. I consume popcorn I randomly discovered within the automotive. I feel I play it off lovely smartly, however I NEED espresso.

10:50 a.m. — Rush to my Drybar appointment! I park and pay $1 for parking. They provide me espresso! $1

12 p.m. — Truthfully, I actually do not like how my hair became out. I appear to be a schoolgirl and the glance simply is not running, however lately isn’t approximately me and I shouldn’t have time to whinge and attach it. I pay and head again as a result of my make-up appointment on the lodge is subsequent. $sixty five

1 p.m. — Again on the lodge and people are in a frenzy looking to get in a position. The photographer is taking footage, make-up is getting performed, individuals are getting dressed, the flower women are crying and wish consideration, however there are mimosas and people are loving the thrill. I drink a mimosa, and I feel my hangover is in spite of everything long past!

2:30 p.m. — In any case my flip for make-up. I truthfully do not put on so much make up, and I feel $one hundred is a large number of freakin’ cash for it, however all of the bridesmaids are doing it, and I am a staff participant. The artist does a just right process and although it is not in reality my taste, I glance just right! $one hundred

three:30 p.m. — We sprint to the marriage venue! The bride is making an attempt her absolute best to not cry and destroy her make-up, however it is all taking place and it is so fun!

five p.m. — My absolute best family member is married! The rite used to be stunning, and the elements used to be absolute best. The newlyweds are highschool sweethearts, and my family member reads what she wrote to her hubby of their senior yr yearbook; everybody cries, together with me. Up to I shy clear of adult stuff like marriage, it is stunning to peer folks so satisfied in combination.

five:30 p.m. — We dance the night time away, and it is a highest night time! My boyfriend and I provide $eighty five to the bride and groom, however I pay $60 as a result of he does not need to provide greater than $25. I do not really feel like preventing approximately it, and she or he’s my absolute best family member, so I do not thoughts chipping in additional. I might provide extra, however I already spent such a lot at the bachelorette, bridal bathe present, get dressed, make-up. It is been so much! The whole thing is going and not using a hitch, and the bride and groom are satisfied as may also be. I sign up for in at the after birthday celebration at some other native bar, however my boyfriend needs to go again to the town and I am so drained, so we do not keep lengthy. I say good-bye to the bride and groom and we head house. $60

Day by day Overall: $253

Day Seven

10 a.m. — I am drained however boyfriend and I ultimately get away from bed. I make us his favourite vegan banana pancakes, and we kick back and feature espresso.

eleven a.m. — It is intended to be #SundayRunday, however we’re too drained. We come to a decision to only pass out for an extended stroll. We stroll thru Crucial Park to one hundred and tenth Side road, and my boyfriend presentations me a few of his favourite skateboarding spots. I’ve by no means been in a position to skateboard (and he has attempted to get me to be informed repeatedly), however I really like how passionate he’s approximately it — and his ensuing health is not so dangerous both ;).

12 p.m. — We prevent at a bakery I’ve all the time sought after to take a look at and get a baguette and an iced espresso. We attempt to shop the bread for once we get again, however scouse borrow a couple of bites at the stroll again house. $7

1 p.m. — We prevent at Healthnuts and get stuff for lunch and dinner — kale, chips, hummus, a cucumber, a six-% of beer, and a couple of different little issues. He will pay and Venmos me for part. $20

three p.m. — SO drained from that stroll. We consume after which I take a snooze. Now not positive what boyfriend does whilst I nap, however he quietly hangs within the studio at the same time as I sleep.

four:30 p.m. — Boyfriend has to go away to pick out up somebody on the airport quickly (the woman he canine sits and does atypical jobs for), so we opt for any other little stroll to the park and take a seat on a blanket with a lager. We attempt to play Frisbee, however it is unseasonably scorching out, so and handiest pass at it for 10 mins.

6 p.m. — Boyfriend leaves for the airport. I make a very easy kale salad and shop the remaining for lunch the next day to come. For dessert, I’ve chocolate I introduced again from my contemporary go back and forth to El Salvador.

10 p.m. — Mattress time!

Day by day Overall: $27

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