Welcome to Cash Diaries, the place we’re tackling the ever-present taboo that’s cash. We’re asking actual individuals how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.
At this time: an intern who makes a $5,500 stipend and spends a few of her cash this week on bisexual earrings.
Editor’s Word: This diary was written in June 2022.
Trade: Begin-Up Well being App
Location: New York, NY
Wage: Stipend of $5,500 for summer season internship
Internet Value: -$6,000 (I’ve $4,000 in my checking account proper now and $7,100 in financial savings. I’ve $17,000 in scholar loans however I’m nonetheless at present at school.)
Debt: $17,000 in scholar loans
Paycheck Quantity: $5,500 lump sum
Lease: $1,600 (I’m subletting a studio residence at a generously discounted price)
Scholar Loans: $0 (not paying scholar loans but!)
Hulu and Spotify Package deal: $4.99
Apple iCloud Storage: $2.99
Automotive Insurance coverage: $1,300 each six months, paid for by my mother and father on a joint account
Cell Telephone: Mother and father pay
Laptop computer: $61 month-to-month installment
FabFitFun Field: $200
Amazon Prime: $119
Was there an expectation so that you can attend larger training? Did you take part in any type of larger training? If sure, how did you pay for it?
Sure, there was no query about it. My mother and father are immigrants that didn’t have entry to training — they didn’t even graduate highschool. Rising up I used to be all the time informed they got here to america so my sister and I may have a greater life and have entry to alternatives they didn’t have. This didn’t guilt me in any approach; I simply understood it as my life. Each of my mother and father labored blue-collar guide labor jobs, they usually mentioned if I didn’t go to high school I must work jobs like them. I by no means felt like I didn’t need to pursue larger training and I loved studying, regardless. My mother and father by no means informed me what I may and couldn’t main in or examine, they’re simply pleased with no matter I do. My mom’s revenue paid for my very inexpensive state tuition throughout undergrad, and I’m at present in graduate faculty. I’m paying for this with scholar loans and a $20,000 reward from my godmother.
Rising up, what sort of conversations did you could have about cash? Did your dad or mum/guardian(s) educate you about funds?
I used to be continuously listening to that we couldn’t afford issues. My mother and father’ revenue modified dramatically after I turned 9 they usually had been capable of afford a home in a reasonably first rate a part of city. After the house buy, I used to be nonetheless listening to that they couldn’t afford issues. My mother and father weren’t residence a lot as a result of they had been all the time working. This taught me at a younger age that needing cash can take away from easy pleasures like spending time with your loved ones. I used to be alone for a big portion of my childhood since my sister is considerably older than me and I knew I didn’t need to reside like that as an grownup.
What was your first job and why did you get it?
I bought my first job at 14 working at my highschool’s cafeteria. I bought this job to assist me afford frivolous issues like getting my nails accomplished, film tickets, and no matter else I wished to buy since I used to be by no means given an allowance.
Did you are worried about cash rising up?
Probably not. My mother and father had been all the time complaining about cash however we by no means went hungry or had points with utility and water payments.
Do you are worried about cash now?
Considerably. I used to be just lately let go from my well-paying part-time job in the course of the faculty 12 months as a consequence of funds points, so I don’t have a constant revenue proper now. I’m simply counting on private funds and funding from my internship and a college award I used to be given. I’m assured I’ll be employed finally and I’m making an attempt to deal with my internship proper now and achieve connections and experiences to succeed. I’ve a good sum of money saved from earlier jobs.
At what age did you change into financially answerable for your self and do you could have a monetary security web?
This can be a difficult query. I suppose for essentially the most half after I graduated undergrad at 21. I moved to a model new metropolis and my dad gave me his previous automobile that was paid off. I nonetheless use that automobile now. My mother and father pay for my automobile insurance coverage and cellphone invoice, which is a large assist. I pay for all different bills by myself and I don’t depend on them or take into consideration them as a security web. My mother and father are retired now, so I can’t actually depend on them.
Do you or have you ever ever acquired passive or inherited revenue? If sure, please clarify.
As talked about earlier than, my mother paid my tuition in undergrad and I acquired a $20,000 reward to place in direction of my graduate faculty tuition. I’m unaware of the specifics of my mother and father’ funds, however I hope to get one thing in a will someday.
10 a.m. — I get up discombobulated as a result of I bought approach too excessive watching BoJack Horseman final night time and stayed up till 1:30 within the morning, ugh. I shuffle over to my tiny kitchen and make a breakfast of avocado toast and scrambled eggs with a Chobani Flip yogurt (I’m obsessive about these). I additionally make espresso in my Moka pot and froth up some Elmhurst oat milk with Silk almond milk vanilla creamer.
11 a.m. — I don’t have a lot occurring right this moment, work-wise. Lengthy story brief, our app stopped working yesterday so work has been mild for me whereas our coders work on the problem. I put in some further notes from yesterday’s assembly in a doc and lay round.
12 p.m. — I resolve to benefit from the free time I’ve and buy a ticket to see Prime Gun: Maverick on the matinee value. Rating! $15.98
2 p.m. — I warmth up some leftover pesto ravioli I made final night time, and add chopped grape tomatoes and spinach. After I eat, I stroll over to the movie show.
5 p.m. — Film is finished! I liked it and cried like 3 times.
5:30 p.m. — I’ve plans to satisfy up with one in all my good buddies from school. She’s cooking dinner for me, so I run to the Dealer Joe’s wine retailer to choose up two bottles of wine. $21.38
6 p.m. — I rush over to the subway and swipe my Metrocard that I loaded $40 on some time again. I don’t use the OMNY system as a result of frequently charging my card simply provides me nervousness, I’d reasonably load a big sum in a single go. I’ll be unhappy in 2024 when the cardboard goes away!
6:40 p.m. — Lastly get there and my buddy goes all out for me! She makes zucchini fritters and Mediterranean rooster. We discuss and drink wine whereas she cooks. We carry dinner to her rooftop and have a look at tiny views of the Chrysler Constructing and gossip about individuals in school.
9:30 p.m. — After dinner and a little bit of smoking, I resolve trekking again to the subway and taking two trains would require a bit an excessive amount of psychological vitality and I might in all probability get tremendous paranoid. I take an Uber residence and one way or the other bought unfortunate to have a very talkative driver. I suppose he can’t see my mind’s half melted proper now. $25.08
11 p.m. — The remainder of my night time consists of watching BoJack Horseman and heating up half of a Levain cookie earlier than passing out.
Every day Complete: $62.44
8 a.m. — Get up feeling surprisingly advantageous. I take a bathe as a result of I understand I forgot final night time and I really feel actually gross. Dwelling in NYC, I all the time take a bathe earlier than mattress. I do my common morning skin-care routine of the Tula Cult Traditional face wash, Laneige Cream Pores and skin toner, Glow Recipe Hyaluronic Serum, Origins GinZing eye cream, Clinique Moisturizing Gel, and Biore UV Sunscreen. I make a matcha latte with my similar oat milk and creamer frothed combination and have a Chobani Flip yogurt. The s’mores taste is the most effective one, don’t @ me.
10 a.m. — I activate The Kardashians whereas doing a little admin work. The top of the episode is when (spoiler alert) Khloe finds out Tristan cheated AGAIN, shocker. I find it irresistible, the remainder of the season can be juicy now!
2 p.m. — End up some conferences and spend the remainder of the day doing work whereas watching the Our Father documentary within the background. I make my favourite Mediterranean-inspired salad with some pearl couscous, grape tomatoes, feta, avocado, and shallot to snack on.
6:30 p.m. — I am going on a scorching lady stroll and cease at Entire Meals on the best way residence. I get cucumber, zucchini, applesauce, espresso grounds, Chobani Flips, salad kits, and another snack objects. $58.46
7 p.m. — I rush and prepare to satisfy up with one in all my buddies from school. She made a reservation at a flowery Korean spot. I throw on a Reformation high, thrifted Levi’s, some Reeboks, and rush out the door.
9 p.m. — Dinner is SUPER good and the place is so aesthetic. We shared wings and I bought a truffle japchae with a cherry martini. We return to my place after to place our leftovers within the fridge and drink some wine on my roof whereas we look forward to her buddy to satisfy up with us. $60.11
11 p.m. — We go to a Latin membership the place they play plenty of Unhealthy Bunny. His new album is incredible so I’m having a good time! I get a margarita. My buddy pays however I pay her again on Venmo. $15
12:30 a.m. — We head residence. I instantly take a bathe, sit out on the fireplace escape trying on the skyline for a bit, activate some BoJack, and knock out. I’m so excited to truly transfer right here full-time someday.
Every day Complete: $133.57
8 a.m. — I’m hungover, but additionally not? I make some Moka pot espresso with my common cream and milk and name my mother. I’ve a key lime Chobani Flip, get on Slack, and compensate for work assignments I must do. To combine up my morning skin-care routine, I take advantage of the Great thing about Joseon sunscreen. This sunscreen is the most effective one arms down, but it surely’s a bit heavy for summer season.
12 p.m. — I make a salad package. It’s good whenever you truly put groceries to make use of. I throw in an avocado and blend in some garlic salt, black pepper, and pink pepper flakes to spice issues up.
1 p.m. — I’m bored and I bear in mind I’m working out of my holy grail lip pencil, Kylie Cosmetics Love Chew. It’s a discontinued coloration that I’ve been utilizing because it got here out in 2017, so I discovered a vendor on eBay with five-star opinions. Needs to be advantageous, proper? $32.40
2 p.m. — I chat with a buddy a few healthcare consulting place that opened up at a giant firm. I’ve been making an attempt to pivot away from the nonprofit trade. I’m open to consulting and simply something that pays properly at this level. I’m so uninterested in being underpaid, which is why I wished to dabble within the tech world. I’m not being paid nice right here, however I really like the individuals and firm and hope I could make good connections.
4 p.m. — I eat leftovers for an early dinner with some inexperienced juice and textual content my buddy about going to a bar in Brooklyn tonight. An previous acquaintance from school is DJing there, so I need to help and in addition go to this bar as a result of apparently it’s actually enjoyable. We each resolve we’re fairly drained and we’ll reassess at round 7. I attempt to persuade her anyway and vow to depart tremendous early since I must catch a practice to go to my sister tomorrow morning anyway.
7 p.m. — She’s too drained to go. I anticipated this, so I used to be already out on a scorching lady stroll. I cease by just a few thrift retailers the place I find yourself getting three pairs of sneakers. Yikes — I don’t know how I’m going to suit all of those in my suitcase after I transfer out. They had been all nice finds, I swear! $65.73
8 p.m. — I then head over to Dealer Joe’s to seize my favourite frozen pizza (the tomato brie tart) and a few cooked rooster breast so as to add to my salads earlier than lastly heading residence. $13.98
11 p.m. — The remainder of my night time is devoted to BoJack, cleansing up the residence, and consuming pizza. My toes are in a lot ache from aimlessly strolling throughout so I slather on some lidocaine that I purchased my first two days of transferring right here. Very needed!
Every day Complete: $112.11
7:30 a.m. — My alarm goes off, however I snooze three extra occasions. I’m planning to move to my sister’s place on the ten a.m. practice. At this time’s a day for fast espresso with my milk and creamer, some raspberries, and a Chobani Flip. I’m having bother forcing myself to eat shortly, however I don’t need to spend any cash at Grand Central. I replenish my Hydroflask, throw pajamas and toiletries in my backpack, put a Babybel cheese and applesauce in my belt bag, and stroll to the subway. I swipe my preloaded card.
10 a.m. — I miss the Metro-North practice by a minute. I buy a round-trip ticket and am grateful there’s a ten:30 practice! $35.80
11 a.m. — I hearken to a Name Her Daddy episode on attachment types on the practice, however I shortly get bored. I believe I a lot choose it when she interviews celebrities and influencers. I spend the remainder of my time listening to Harry Kinds and re-reading Is Everybody Hanging Out With out Me? by Mindy Kaling.
12:30 p.m. — I get to my sister’s home. I’m an auntie to 2 nice little nephews so that they take up my complete day. I eat some pasta and broccoli at her place.
7:30 p.m. — Children are in mattress, yay! My sister and I stroll to the liquor retailer as a result of she’s been craving soiled martinis. We additionally stroll to the nook retailer to get olives. She pays. Being the youthful sister is superior as a result of I by no means pay for issues once we’re collectively.
9 p.m. — My sister makes a hearth and we chat exterior with martinis. These martinis will not be actually nice, but it surely’s advantageous. I believe I simply choose espresso martinis.
11:30 p.m. — I take a bathe and go to mattress. My night time routine is just about the identical, however my oil cleanser is the Hada Labo Gokujyun Cleaning Oil and I add within the Glossier Tremendous Pure serum. When you have acne-prone pores and skin… run, don’t stroll, to get this! You’ll thank me later.
Every day Complete: $35.80
8:15 a.m. — My nephew wakes me up, however I keep in mattress and snooze for a bit.
9:30 a.m. — My sister and I am going out to get espresso. I get an iced latte and my sister will get an iced mocha. Each of those drinks are with oat milk, in fact. She pays once more! We meet up with my nephews on the park and play for some time. Being right here is nice, but it surely’s additionally free contraception for me. I’m considering freezing my eggs in a few years as a result of that is actually not within the playing cards for me any time quickly.
12 p.m. — We eat lunch at residence, which is only a random assortment of leftovers and pizza. I play video games with my nephews and watch them for some time.
3 p.m. — It’s time to go residence. I get on the practice and maintain studying Is Everybody Hanging Out With out Me? and hearken to Tove Lo and Hozier.
4 p.m. — My cousin texts me and confirms if I’m going to NYC Satisfaction. I’m shocked as I fully forgot about this, and bear in mind the choice I made final month that transferring ahead, I’ll cease going to Satisfaction as an ~~ally~~. I just lately shared my id to my closest buddies and my companion, and I really feel assured going. I get a cute shirt and earrings that type of scream “I’m bisexual” from Amazon. I actually strive to not store there, however Prime supply is critical contemplating Satisfaction is on the finish of this week. $33.13
5:45 p.m. — I swipe my MetroCard to move residence, and it’s my final swipe.
6:15 p.m. — I lay down for a bit and I power myself to get up to lastly make some dinner. I make spinach and chive pasta with chopped zucchini and rooster sausage. I drink some inexperienced juice.
7:30 p.m. — I lay in mattress for an additional embarrassingly lengthy period of time earlier than I resolve to load up the dishwasher and deep clear the kitchen.
11:30 p.m. — I FaceTime with my boyfriend for a bit earlier than I power myself to show off the lights. I’m an evening owl, so I could possibly be up till 1:30 simply, however tomorrow’s Monday.
1:30 a.m. — I nonetheless find yourself being awake till 1:30. Enjoyable!
Every day Complete: $33.13
8 a.m. — Alarm goes off. I flip the alarm off and reset it to an 8:30 alarm.
8:30 a.m. — Okay, I’m up. I make on the spot espresso right this moment with creamer and milk, some raspberries, a Chobani Flip. I hop into a really intense assembly.
11 a.m. — I’m overwhelmed! I sit and do nothing for an hour as a result of I’m so overwhelmed, which I do know isn’t serving to. I resolve some meals will assist. I don’t have a toaster, so each time I need to toast my bread I’ve to place it on the pan with some butter on it. I slather on some prepackaged rooster salad from Entire Meals, add some Cholula, and eat it with some Mediterranean salad. I do know these leftovers have been in right here for some time, however my fridge is about at 35 levels for that reason.
3 p.m. — All conferences for the day are accomplished and I wrap up some work. At this time’s been intense. I understand I haven’t left the home in any respect…
4 p.m. — Seems to be like no scorching lady stroll is occurring right this moment. I begin trying into exercise courses that would encourage me to depart the residence extra on days like this, so I look into ClassPass. I join the one-month free trial they’ve occurring and ponder going to a BODYROK class, however I’m intimidated by the entire tools. I resolve to do it anyway and booked a category for Wednesday.
6 p.m. — I maintain studying Is Everybody Hanging Out With out Me? I’ve a sophisticated relationship with how I really feel about Mindy Kaling now (I was a hardcore fan), however I gained’t deny she was a trailblazer for illustration in my neighborhood. She’s nonetheless actually humorous and has clearly been by means of rather a lot, so I’ll like her with warning and I do know that she’s given different South Asian ladies confidence and the flexibility to be on the market within the media and share their very own tales.
9 p.m. — Wow, I stored studying. I forgot how hilarious this ebook is, although I don’t perceive all of her elder millennial popular culture references. In between my studying, I reheat the final of my truffle japchae, bathe, and do a sheet masks. It feels good to interrupt up my night routine and browse for as soon as.
9:30 p.m. — I warmth up half of a Levain cookie and plan to observe SNL skits, however my boyfriend FaceTimes me as a substitute!
11 p.m. — I scroll by means of the Reddit NYC influencers snark channel and have a look at residences on StreetEasy.
Every day Complete: $0
8:30 a.m. — I get up with no alarm, which is nice. I hydrate, make some espresso, and do my skin-care routine. I bought a pattern of the Supergoop Unseen sunscreen in a Sephora trial-sized package I bought, and I actually prefer it however I’m unsure it’s definitely worth the value.
11:45 a.m. — My coworker tells me she bought uncovered to COVID, so out of precaution we’re not assembly as much as work on person testing and ready till subsequent week. I understand I haven’t eaten something but right this moment, so I make a salad package and add avocado with sliced rooster breast. I additionally clear up the residence. Dwelling in a studio means all the pieces will get messy whenever you simply merely stroll from one finish to the opposite and it drives me nuts.
1 p.m. — I schedule a hair appointment for tomorrow after my exercise class and maintain chugging together with work. I do plenty of information entry, which is the worst.
3 p.m. — I’m feeling burned out, so I resolve to go on a stroll all the way down to a park. I find yourself taking just a few incorrect turns and it takes me longer than I anticipated. I’m tremendous thirsty, so I pop into Dealer Joe’s and get a watermelon juice and two of my favourite KIND bars. I principally chug my juice whereas my buddy/ex-coworker calls me to fill me in about work drama occurring. $6.11
5:30 p.m. — This was an unnecessarily lengthy scorching lady stroll. I flop on my mattress feeling exhausted and watch an episode of BoJack. I hop within the bathe to rinse off. My hair is in severe want of some TLC however I do know I’m getting my hair accomplished tomorrow so I push by means of with out washing. I add some Sunday Riley retinol to my routine tonight. I don’t know the way I really feel about this retinol; I really feel like each time I take advantage of it I simply get away.
7:30 p.m. — I warmth up some leftover pasta. I’ve nothing to observe, so I very skeptically activate the Gossip Woman reboot. I do know, I’m tremendous late. I’m simply towards reboots.
7:45 p.m. — I flip it off after quarter-hour. I warmth up the opposite half of my Levain cookie and browse whereas longingly taking a look at this group of buddies hanging out on their string-lit rooftop throughout the road from me.
10:45 p.m. — I end the ebook! I plan to learn Kaling’s second ebook tomorrow, but it surely’s lights out for now.
Every day Complete: $6.11
Cash Diaries are supposed to mirror a person’s expertise and don’t essentially mirror Refinery29’s perspective. Refinery29 under no circumstances encourages criminal activity or dangerous conduct.
Step one to getting your monetary life so as is monitoring what you spend — to strive by yourself, try our information to managing your cash day by day. For extra money diaries, click on right here.
Do you could have a Cash Diary you’d wish to share? Submit it with us right here.
Have questions on the way to submit or our publishing course of? Learn our Cash Diaries FAQ doc right here or e-mail us right here.
Like what you see? How about some extra R29 goodness, proper right here?
A Week In Tacoma, WA, On A $75,000 Wage
A Week In Lengthy Island, NY, On A $131,000 Revenue
A Week In Indianapolis, IN, On A $43,000 Wage