I Week In S Colorado Ski Town, On I $forty two,436 Salary

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

This week: a supervisor who makes $forty two,436 consistent with yr and spends it on batteries for a water gun.

Occupation: Manager
Industry: Hospitality
Age: 29
Location: Ski Town, Colorado
Salary: $forty two,436
Paycheck (2x/month): $M,293.19

Monthly Expenses
Housing Costs: $800 (my part)
ATV Loan: $sixty three for my part, despite the fact that we frequently repay extra
Car Loan: $280

All Other Monthly Expenses
Cable & Internet: $60 for my part
Electric: $35 to $one hundred eighty for my part, relying at the season
Car Insurance: $131
Cell Phone: A paid my oldsters for a whilst however they later insisted on taking good care of it, and O generic the present. Come at me.
401(okay): $282.ninety (or H% of my paycheck taken out pre-tax). My corporate fits as much as F%.
Health Insurance: $seventy six, taken out pre-tax.
Dental & Vision: $zero. Covered one hundred%.
Savings: Whatever is leftover month to month, which levels from $one hundred to $B,000.

S a.m. — Get up and get in a position for paintings. A have the similar regimen each and every paintings day: get started espresso for my husband, bathe, take the canine out, feed them, and clutch meals for myself. Today, A take a 9-grain bagel and leftovers from ultimate night time’s dinner for lunch.

H a.m. — Eat my bagel with cream cheese at my table.

12 p.m. — Heat up leftovers for lunch: a red meat sandwich and fries.

M p.m. — Finally holiday down and order a few maternity garments. S idea O may just break out with dressed in a few of my extra “flowy” tops, however sadly, my whole frame has modified, now not simply my abdomen, and so much of my pre-being pregnant garments simply do not have compatibility. A did not need to spend cash in this, however S cannot be uncomfortable anymore. My stepmother graciously purchased me pairs of labor pants and 2 denims a couple of months in the past, so A’m k on bottoms. S purchase from retail outlets. At Old Navy, A get a tank most sensible, complete panel leggings, a chambray blouse, and a get dressed. The overall with reductions and gross sales $fifty five.seventy seven. At A&C, A purchase a tank most sensible, a brief-sleeve blouse, and lengthy-sleeve shirts, totaling $forty.sixty six. Hoping this will get me thru the remainder of my being pregnant! $ninety six.forty three

F p.m. — A get house from paintings and chat with my husband for just a little. It’s a pleasant day out of doors, however A have plans to visit a yoga elegance. It’s now not a pre-natal elegance however is all the time a small staff in a non-heated room, and the instructor courses me for pre-natal yoga. A used to do heated yoga 3 or 4 occasions every week ahead of the being pregnant, however it is made me just a little apprehensive to do anything else so excessive, so those native categories are a just right alternative. O pay the drop-in price with a test. $15

S:30 p.m. — O get out of yoga and notice a textual content from my husband that he is out of Diet Coke. S’m proper through the marketplace, so O swing via. $F.ninety six

nine p.m. — Tonight for dinner, O make beer-battered corn with mac and cheese and steamed broccoli. My abdomen is after all beginning to get smashed through my uterus, so larger foods are becoming more difficult. S nonetheless have the ability to have compatibility a bowl of Cinnamon Toast Crunch at the same time as staring at TV.

Daily Total: $116.39

S a.m. — Same regimen: A clutch a bagel and a few frozen Amy’s foods O stay to be had at paintings.

S:30 a.m. — A used up the ultimate of my cream cheese the day before today, so O prevent via the marketplace for you to paintings to get some other one. O test the knock-off film kiosk, however there is not anything new. $T.ninety seven

10:30 a.m. — Ugh, A’ve been assembly with contractors and house owners all morning and not were given to consume. S in spite of everything toast my bagel and feature it with veggie cream cheese.

M p.m. — S repay a part of our bank card invoice so O can repay much more of our ATV mortgage. (We repay the cardboard one hundred% each and every month, and do it this manner for the money again. Free cash.) Our bills are most effective $126 a month, however we repay extra each time we will be able to. This month, it is $500. My husband will pay this month’s invoice for the reason that he had an ideal month financially and will have the funds for to. (He owns his personal industry.) A give a contribution my common $sixty three.

T p.m. — O have a past due lunch as a result of A ate my bagel so past due. A go for the spinach ricotta ravioli as a result of they are a bit of smaller than the enchilada S additionally introduced.

F p.m. — S prevent via the marketplace on my approach house to get a packet of taco seasoning for dinner and a few vegetable oil. $O.21

H p.m. — A spend the night catching up on chores. A do a little dishes, the laundry, and mop the hardwood flooring. S additionally needed to do a little paintings on invoices for my husband’s industry and rectify a couple of bills. It took a few of the night time! For dinner, O made elk tacos, rice and beans, and selfmade fried corn tortilla shells for him, and O consume a taco salad. We wind down while A’m performed with my paintings by way of gazing the finale of Genius.

Daily Total: $S.18

S a.m. — Same regimen. S take hold of some other bagel.

12 p.m. — Starving. Heat up my Amy’s Cheese Enchilada for lunch. S freaking love this meal. O additionally snack on an apple and cheese a coworker presented me.

M p.m. — After consuming at my table, S take a bit of of a holiday to name a few of my husband’s shoppers approximately invoices, and fill out a few monetary bureaucracy. We’re making an investment $10,000 — our first funding in combination — within the I&K 500 and a few Indian price range. It’s now not a ton of cash, however it is an excessive amount of to go away sitting within the financial institution. We nonetheless have our 3-to-5 month emergency fund within the financial institution, plus O have a small private financial savings account. There’s numerous bureaucracy, and O understand S would not have my new checkbook at paintings, so S’ll have to put in writing a test while O get house and mail it the next day to come.

S p.m. — O get house and get started a few pasta sauce at the range. The longer it chefs, the easier! S defrost a few floor elk to make use of, and cheat with a jarred pasta sauce A jazz up with onion and garlic. We come to a decision to take the canine on a 3-mile stroll alongside a motorcycle trail via our space. S flip the sauce off, we get their harnesses on and head out. The larger S get, the slower A transfer! It takes approximately an hour at an overly sluggish %.

H p.m. — S placed a few garlic bread within the oven, make a Caesar salad, prepare dinner a few spaghetti, and we consume one of the most pasta at the same time as gazing a couple of presentations we recorded at the DVR. S lend a hand him order stuff on-line he is sought after and crash at the sofa.

Daily Total: $zero

S a.m. — Oops, out of bagels. O prevent by way of the marketplace to pick out up a breakfast sandwich, however they do not glance nice. O finally end up getting any other bagel, and A nonetheless have veggie cream cheese at paintings. $B.25

B p.m. — S introduced leftover pasta with meat sauce and goat cheese for lunch, which S consume at my table. It’s been a loopy busy day at the telephone for me, and A’m scared to stroll away even for 10 mins!

F p.m. — O depart paintings in a daze after the busy, again-to-again day S’ve had. S prevent by way of the financial institution to deposit a few exams for my husband’s industry after which head house. O actually need to pass to yoga, however there is not any night elegance this night! When O get house, O understand how drained S am, and finally end up falling asleep at the sofa for approximately an hour. O get up feeling higher, however nonetheless groggy.

nine p.m. — A make a few bake-at-house French bread and prepare dinner the additional-massive % of bacon we now have. A additionally caramelize a few onions that A purchased remaining weekend. Tonight, we now have BLTs with caramelized onions and crinkle fries (yum), with vegetables from the lawn. With the additional French bread and bacon, S make a sandwich with goat cheese, caramelized onions, vegetables, and bacon. My mother despatched my husband his favourite Texas ice cream for his birthday, so we dig into probably the most part-gallons. It tastes like house!

Daily Total: $B.25

S:30 a.m. — S get up past due nowadays on account that S did not sleep smartly ultimate night time in any respect. A move to the marketplace to get breakfast and come to a decision it is Friday and A deserve it, O need a donut. S additionally purchase a bag of candy onion chips to head with my sandwich. $A.fifty five

eleven a.m. — The white flour glazed donut does not fill me up in any respect (no wonder), and A’m already hungry. A warmth up my bacon, goat cheese, caramelized onions, and vegetables sandwich within the toaster oven and feature lunch at my table with the chips A purchased in advance.

H p.m. — We meet a family member for dinner this night. We have been intended to head tenting, however the street were given close down after an twist of fate — a head-on collision. We meet at an area Mexican eating place, the place we order ceviche tostadas to percentage. S get the carne asada plate, my husband will get a shrimp quesadilla, and our family member orders the fish tacos. The men most sensible that off with a margarita and a lager, and we pay to regard our family member to a belated birthday present. The overall involves $eighty one, plus a $sixteen tip; my husband and A cut up the invoice. $forty eight.50

12 a.m. — We move as much as the campsite to revel in a hearth and hang around. S’m now not feeling nice and am exhausted, so A lie down within the truck to relax my disappointed abdomen. My husband wakes me up so S may also be the sober motive force house.

Daily Total: $fifty two.05

nine:30 a.m. — We did not get to mattress till in reality past due final night time, and we have been so drained that we each slept in lovely past due. We get the goats collared up and take them on a hike on our assets. It’s most effective a few -mile spherical go back and forth max, however it is tremendous heat out of doors, and the terrain is mountainous. The goats are SO satisfied.

eleven:30 a.m. — S finalize my grocery listing and head to the shop, which is set half-hour away. S prevent first at a bakery and purchase part dozen bagels for the week ($S.eighty one). Then on the retailer, A get deli cheese, brioche bread, parmesan, broccoli, tomato bisque, smoked salmon, natural milk, bitter cream, cheddar cheese, packs of Diet Coke (on sale!), sugar-loose Red Bull for my husband, cashews, bins of cereal, cornbread combine, beaten tomatoes, canned beans, chili combine, Oreos, fruit chews, sprinkles, cream cheese, bean dip, tuna, baking soups, hashed browns, 3 Amy’s foods, and a large bag of pet food. The pet food makes this a much less reasonable week, however we handiest have to buy it as soon as a month. The overall is $161.forty six, however A placed it on our joint card, so it is going to be cut up. $eighty.seventy three

12:30 p.m. — S move to the fuel station the place A can use my grocery issues (even if O can not stack them right here, S nonetheless get $zero.10/off in line with gallon), and refill my tank. S’m loving my new automotive as a result of A get the similar time/mileage in line with tank as S did my remaining truck, however the tank is part the dimensions! $25.38

12:forty five p.m. — S move during the force-through at Wendy’s and get a Jr. Cheeseburger with worth fries as a shockingly scrumptious snack. $A.86

B:30 p.m. — A get house, sell off all of the groceries, make lunch for my husband and a family member who is traveling — turkey and salami bagel sandwiches with Havarti cheese. They holiday into the bean dip and Oreos. O spend the remainder of the afternoon puttering round and cleansing. Out of nowhere, O really feel extremely drained and come to a decision to take an hour nap at the sofa.

S p.m. — We’re going over to a family member’s space for tacos to have a low-key birthday party. S stated S’d deliver queso, so S want to convey the Velveeta type. As a Texan, it hurts my center, however it is all the time asked for a few explanation why; they understand what A installed it, so oh smartly! Of path, A have Rotel tomatoes, however no Velveeta, so we prevent by way of the marketplace in an effort to their space. S get Velveeta and tortilla chips, and O placed it in combination once we get there. We consume dinner, snack on all of the Mexican meals other folks introduced, and head house round eleven p.m. $10.eighty

Daily Total: $one hundred twenty.seventy seven

S a.m. — Up early after a tight night time’s sleep! S make a bowl of cereal for breakfast, get within the bathe, after which have slightly of a lazy morning.

10 a.m. — A head out to run errands within the nearest large the city, approximately an hour away. My first prevent is Wal-Mart. O glance for an inexpensive, small rug we will be able to installed our front room to exchange the antique one we simply got rid of, however S do not love the choices, and they are slightly overpriced for the little or no S used to be prepared to pay.

eleven a.m. — I little early, however O get lunch. S’m yearning Subway, so O prevent and get a veggie six-inch with lettuce, peppers, cucumbers, onion, jalapeños, cheese, and candy onion sauce, plus baked chips and a Sprite. A’ve been loving Sprite right through this being pregnant however have attempted to restrict myself. S consume in my automotive like a trendy woman in order that O can pay attention to NPR One. $S.ninety five

12 p.m. — A get to Ross, the one retailer love it within the space that A can get to with out riding for hours. S get there simply ahead of midday, while it opens, and snigger at what number of people are looking ahead to it to open up! Ah, small the city lifestyles. A spend WAY too lengthy perusing and making an attempt on a few garments, and finally end up with a brand new pair of maternity pants ($12.ninety nine), a get dressed for a marriage O’ll be going to in a few months that may have compatibility a large bump ($19.ninety nine). O additionally purchase a brand new F’x6′ rug ($19.ninety nine), a carpet pad, a rest room shelf, and 3 candles from the clearance segment that odor scrumptious. Definitely a splurge lately, however S used to be in a position to get the whole thing O’ve been short of and desiring in recent years for part the fee O idea O’d need to pay. $ninety six.fifty six

B p.m. — S can not face up to — S prevent via my favourite burger position to get a small strawberry shake and water, and O tip $M. $F.34

M:30 p.m. — My husband calls and asks if S can pick out up a small water gun, which we use for goat coaching. O return to Wal-Mart, however they are it sounds as if utterly out of water weapons (in June?). O move via a battery kiosk and understand that we are out of AA batteries, so A seize a %. $F.forty

T:30 p.m. — A come to a decision to regard myself to a final-minute nail clipping. S get shellac and on a regular basis stretch it for 3-to-5 weeks in order that S kind of get my cash’s value. A used to just do that two times a yr, however with this being pregnant, A can not drink in fact, or consume sushi, or use a sauna. There are such a lot of can’ts, so manicures will probably be my vice till A provide start (and shouldn’t have time to get one thing like this performed besides). Also, my nails are tremendous robust and lengthy way to the pre-natal nutrients. $35 plus a $S tip. $forty two

A:30 p.m. — Last prevent of the day is the automobile wash. There’s actually no just right, reasonably priced automotive wash in my space, until you wish to have to do it your self. S on a regular basis do, however my stomach is going in the best way and making it take longer, this means that it finally ends up being costlier than the automated. At least this position does a pre-wash scrub for you. While the out of doors will get scrubbed, A wipe down the interior with automotive cleansing wipes and mud all of the sprint, console, cup holders, and so forth. S provide $14 plus a $T tip to the attendant. $sixteen

S p.m. — A get house, unpack all my chocolates, do a load of dishes, and mop the ground the place the antique rug used to be. Then we placed the brand new one down. With the candles, the home feels superior. A virtually put out of your mind to mow our garden, which we need to do weekly or it will get out of keep an eye on. My husband did part the day ahead of, so it handiest takes me approximately an hour. The solar is so robust, and there is not anything like getting your sunscreen coated pores and skin coated in minimize grass. We hook the canine as much as take them on a -mile stroll.

H p.m. — Dinner this night is “fancy” grilled cheese (brioche and jalapeño Havarti) with tomato bisque. S get it at the range, bathe, and we consume dinner whilst staring at presentations on DVR. A have chocolate ice cream and sprinkles for dessert and cross out at the sofa.

Daily Total: $171.25

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