Welcome to Cash Diaries, the place we’re tackling what could be the final taboo dealing with fashionable working girls: cash. We’re asking girls how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.

Right this moment: an Funding Banking Affiliate working in Monetary Providers who makes $150,000 per 12 months and spends a few of her cash this week on Siggi’s yogurt.

Occupation: Funding Banking Affiliate
Trade: Monetary Providers
Age: 24
Location: New York, NY
Wage: $150,000 + an annual bonus equal to 50%-90% of wage
Paycheck Quantity (2x/month): ~$3,500
Gender Id: Feminine

Month-to-month Bills
Lease: $3,400 (I dwell on my own in a one-bedroom — it’s a lot to pay in lease however I worth my house and neighborhood extremely)
Pupil Loans: $0 (fortunate sufficient to have had full monetary assist in faculty)
Utilities: $95
WiFi: $75
Fuel/Gas: $150 (not included in lease)
Gymnasium: $80
ClassPass: $49
Lease The Runway: $159
Cell Cellphone: $110 (I’m on my dad and mom’ plan however Venmo them for my plan/telephone installments each month)
Misfits Markets: $26 biweekly (contemporary produce to your door — I LOVE this, what you get is all the time a shock)
Spotify: $4 (household plan)
401(ok): I contribute 8-10% of my paycheck every time and my firm matches in full as much as 5% (I’ve $60,000+ up to now)
Financial savings: I preserve all my financial savings in a high-interest account. I don’t save a set quantity every month (generally it’s $500, generally it’s $3,000), however I attempt to save 90% of my annual bonuses so I’ve $115,000+ in there up to now.
Credit score: I exploit a bank card for all my purchases however by no means carry a steadiness. It’s extra only for the factors.

Day One

9 a.m. — My sister has been visiting and has to return to varsity. I stroll her to the subway and he or she needs to cease at Starbucks for her morning espresso. In traditional style, she has no cash on her debit card so I pay $6.26 for her espresso (I don’t drink espresso so I don’t get something). Then, I stroll her to the subway and scan her by means of ($2.75) with ApplePay. These subway fee techniques are life-changing! $9.01

10 a.m. — I’m going house and make a fast breakfast of toast, scrambled eggs, mushrooms, and a greens salad. I’ve bread from a bakery in New Jersey, eggs from the farmer I supply my meat and eggs from, and mushrooms/lettuce from my Misfits Markets field. I then clear my entire residence since my finest pal from faculty is visiting from SF and staying with me. After cleansing, I’m going to play decide up basketball at The Cage (I get completely destroyed) for a few hours.

2:30 p.m. — After basketball, I cease by my favourite cheese store to get some cheese, charcuterie, crackers, and a baguette ($33.89) to rejoice my visiting pal moving into Ph.D. applications. I additionally seize a bottle of wine ($25.04) and a brand new diffuser for my toilet ($32.12). It’s a comparatively costly outing, but it surely’s that post-basketball excessive I suppose… $91.05

9 p.m. — My pal and I’ve a good time consuming cheese/charcuterie/almonds and catching up on life. I’ve a birthday dinner to go to and he or she has plans with one other pal, so we half methods for just a few hours. The dinner is for my boyfriend, D.’s, good pal from highschool so D. meets me at my residence and we stroll over. Dinner is so enjoyable, with a set menu and plenty of wine. We break up the test and it comes out to $100 per individual. We stroll house and meet my faculty pal, F., again at my residence. I give her my mattress and D. and I sleep on the pull-out sofa in the lounge. $100

Day by day Complete: $200.06

Day Two

7 a.m. — D. has to depart early so I say goodbye after which fall again asleep. F. and I get up round 9 and prepare for the brunch plans we have now with a university pal at 10:30. We stroll to the restaurant and have a good time consuming eggs, toast, consuming tea, and catching up on the whole lot collectively. We break up the invoice 3 ways and it comes out to ~$27 an individual. $27

1 p.m. — F. needs to have a day in Brooklyn so we wander round Manhattan for some time after which hop on the subway to Williamsburg ($2.75). We actually need to see this one exhibit in Brooklyn so we make that our first cease. It’s superb (and free!) so we spend about two hours there. Regardless of it being the center of winter, it looks like a spring day in Brooklyn so we go throughout the road, get drinks (I additionally get a chunk of lavender shortbread as a result of when in Brooklyn), and sit exterior for an hour. After drinks and shortbread, we wander round Williamsburg for one more couple of hours, stopping in e-book and artwork retailers. I find yourself getting two pairs of socks ($3) and F. will get some books and a donut. $26.75

6:30 p.m. — We now have a dinner reservation at 6:30 at certainly one of my favourite locations in Manhattan so we head again on the subway ($2.75). At dinner, we share three small appetizers and get our personal mains, no wine or drinks (Sunday evening in any case). We break up the invoice — $51 every. Disclaimer: this week entails consuming out greater than I sometimes do due to all of the guests, and so on… I are inclined to make a number of my meals, however particular events name for good eating places! $53.75

Day by day Complete: $107.50

Day Three

6:45 a.m. — I’m going to the fitness center for an hour earlier than work. I stroll to work after the fitness center. I often take the subway to work, however given the 50-degree climate in February, I resolve to make the ~45-minute trek to the workplace exterior on foot. It’s an attractive day. I all the time take heed to music it doesn’t matter what I’m doing — I’m obsessive about it. I additionally dabble in music manufacturing and am at the moment writing my very own songs, so I spend a number of the stroll desirous about that.

8:30 a.m. — I arrive at work on time. I all the time get breakfast on the cafeteria downstairs earlier than going to my desk. Right this moment I get a yogurt (Siggi’s) and berries. It must be a criminal offense for this breakfast to price over $6, however alas, New York. $6.26

12:30 p.m. — Once more, due to the attractive day, an previous coworker and I make plans to stroll the ~15 minutes to our favourite Australian espresso store/cafe for fast salads. These salads are costly, however they’re definitely worth the splurge. I get a salad with kale, quinoa, squash, and grilled rooster. $16.88

5 p.m. — I’ve a comparatively chill day at work right now, so I’ve the vitality to satisfy two pals at a pub throughout the road. They order beers and loaded fries/wings. I had grand plans to make an excellent dinner for myself at house, however I find yourself consuming half the fries… oh effectively. They break up the invoice since I didn’t order something so free dinner for me, I suppose! I take the subway house.

7 p.m. — I open my mailbox to a really nice shock of SURFER journal’s newest situation (I’ve been anticipating it to return since November and right here we’re in February…). I learn that for some time, then I spend a few hours on Logic Professional X (Apple’s music manufacturing software program) engaged on my newest track. I then ship the track to my sisters for suggestions. I FaceTime D., flip by means of the remainder of SURFER, and go to mattress round 10:30 in anticipation of my exercise tomorrow morning! $2.75

Day by day Complete: $25.89

Day 4

6:30 a.m. — I booked my favourite HIIT class on ClassPass final week (I wish to e-book far forward of time so I can construction my exercises) so I’m up at 6:30 and strolling over by 7. This class makes me just a little late to work, but it surely’s value it. I hop on the subway after class. $2.75

12:30 p.m. — I get a fast salad downstairs on the cafeteria and head again as much as the desk — right now is busy with plenty of calls and conferences! $10.68

6:30 p.m. — I’m going again house on the subway the place D. meets me to make dinner and keep over. We now have pork chops, roasted butternut squash from Misfits, and sauteed mushrooms. We each like to prepare dinner, so he makes the pork chops and I do the greens. We now have an excellent dialog over dinner after which activate the Democratic debate, argue forwards and backwards for some time, agree on some issues, battle about others, chuckle about it, and go to mattress. $2.75

Day by day Complete: $16.18

Day 5

7:15 a.m. — I’m taking a day without work from figuring out right now. I rise up and prepare then go to work by way of subway ($2.75). I deal with myself to a breakfast wrap from the cafeteria as a substitute of my typical yogurt ($5.49). $8.24

12:15 p.m. — I get lunch within the cafeteria as a result of it’s taco day aka the very best day of the week. Sadly, I don’t work at a type of tech firms that provides you free or closely sponsored lunch so I’ve to pay for my meals. It’s undoubtedly cheaper than ordering Sweetgreen or no matter else. I used to make lunch at work, however since switching groups, I haven’t gotten again within the behavior. $10.29

Three p.m. — I purchase two tickets to my favourite informal live performance (Sofar Sounds) so I can take my sister. Sofar Sounds is mainly “secret” live shows that occur all around the world in random venues (flats, espresso retailers, bars, and so on.) and options three up and coming artists. You don’t discover out the placement till the day earlier than and don’t know the artists till you present up. I’ve been to 3 and so they’ve all the time been superb. It’s a very enjoyable exercise for guests/pals/dates. $40

7 p.m. — I take the subway downtown ($2.75) for one more uncommon eating out expertise through the week. D.’s finest pal from highschool is visiting so we made plans to go to our favourite restaurant with him and one other highschool pal. The 4 of us share an appetizer and every get our personal dish. Nice instances are had and we break up the invoice 4 methods — it comes out to $33 every. We go house, hang around listening to music and chatting, and go to sleep. $35.75

Day by day Complete: $94.28

Day Six

6 a.m. — I get up and e-book a boxing class on ClassPass for this morning. I rapidly prepare after which stroll the twenty minutes to the boxing fitness center. I’ve my very own gloves and a number of pairs of wraps, however I fully neglect to deliver each of them… So must spend $10 shopping for a brand new pair of wraps. Unhappy. It is among the higher exercises I’ve had shortly despite the fact that I did my proper hand wraps improper and fully destroyed my knuckles!!! I take the subway to work afterward. $12.75

8:30 a.m. — One other breakfast of yogurt and fruit from the cafeteria! $5.46

12 p.m. — I order Sweetgreen salads for decide up with two work pals. It’s fast and straightforward since there’s one near our workplace! $13.88

Three p.m. — I sometimes delight myself on how a lot cash I save by not consuming espresso, however right now I spend virtually $Three on tea at Starbucks on a fast break with my coworker to atone for our private lives. I attempt to not purchase tea until I’m sitting down in a restaurant as a result of spending cash on sizzling water feels very foolish! Every now and then I cave and order one if I’m with somebody. $2.72

5 p.m. — I take the subway to a physician’s appointment I made two months in the past (this lady is in HIGH demand apparently). She seems to be 1000% definitely worth the wait, she’s undoubtedly my favourite physician I’ve ever seen. I haven’t had a constant doctor since I used to be 13 years previous so after some tongue lashing from my mom over the vacations, we determined it was time for me to seek out one in New York. I really like this lady — she even pointed me to some YouTube movies re: “Yoga for Runners” and gave me e-book suggestions. Find it irresistible. $2.75

6:30 p.m. — I’ve a cocktail social gathering again up at work for a girls’s group I’m a part of, so I’ve to return to the workplace after my appointment. I hop again on the subway go to the social gathering. I’ve my fill of finger meals and conversations with varied girls at my firm. I then return to my desk for a bit to ship a few emails and speak to my supervisor. We share a donut to rejoice her little one due in just a few weeks! $2.75

Eight p.m. — I lastly head again house for the night. I FaceTime D., learn a chapter of my e-book (Belief Train), and go to mattress. $2.75

Day by day Complete: $43.06

Day Seven

7 a.m. — Again to the fitness center this morning — I do the StairMaster, some weights, and core. My exercises are often fast once I’m not taking a category. I bathe and take the subway to work. $2.75

9 a.m. — One other breakfast of yogurt, however no fruit this time! $3.16

11:45 a.m. — I’m HUNGRY by 10:30. That is what occurs once I simply eat yogurt for breakfast… so I head with a coworker to get lunch early. I get a kale and fried rooster salad from the very best fried rooster place close to us (wholesome but additionally in no way — sort of an ideal mixture). He will get noodles from a special place. We head again to the workplace, sit at a desk, and eat/chat for 45 minutes. Often all of us eat at our desks however on slower days we’ll make an effort to eat collectively and catch up. $14.14

7 p.m. — Again house on (you guessed it) the subway. Tonight I’m making a typical dinner of roasted greens from my Misfits field — this week I’ve some enjoyable stuff: romanesco, radishes, parsnips, zucchini, and squash. I sauté chard and blend it with grilled rooster for a wholesome and filling meal. I learn, name my mother, browse flights for a few upcoming journeys, and mess around on Logic for some time earlier than mattress. $2.75

Day by day Complete: $22.80

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