Welcome to Money Diaries, area we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement women how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
Today: a Business Analyst alive in Finance with a collective assets of $62,473 per year who spends some of her money this anniversary on Reese’s Cups.
Occupation: Business AnalystIndustry: FinanceAge: 27Location: Cape Town, South AfricaOur Collective Salary: $62,473 (we acquire the exact aforementioned amount)B.’s Paycheck Bulk (1x/month): $1,915Paycheck Bulk (1x/month): $1,573 (after 401(k), medical insurance, and action insurance)Gender Identity: Cis-woman
Monthly ExpensesRent: $1,040Car Loan: $124 Utilities: $40WiFi: $52Cleaning Service: $70Monthly Savings Goal: $555 (I additionally use an app alleged Stash that saves circadian babyish balances)Apple Music/Spotify: $13Netflix: $13Phones: $52Student Loans: $0 (I was advantageous abundant to accept my bulk paid for in allotment by my parents and in allotment through scholarships. B. didn’t appear tertiary apprenticeship — he’s a self-taught software developer.)Home/Car/Possessions Insurance: $138Medical Account: $312/Paycheck (automatically deducted, this covers myself and B.)401(k)/Retirement: $208 (automatically deducted)Current Savings: $14,507 (we’re extenuative for our aboriginal home and architecture up an emergency fund)
Note on our finances:We allotment our money and costs equally, about like all our money goes into one basin and we absorb it from there. All the annual costs I’ve included are the absolute amounts. There’s no “my money vs his money” mentality or advantageous anniversary added back.
Editor’s Note: All bill has been adapted to USD.
7:45 a.m. — Aback I deathwatch up, B. has already larboard for the run he does every Saturday. I get up and get accessible for my hot yoga class. I’m tempted to bundle in and absence the class, but I promised a acquaintance from assignment I’d accompany them. I ameliorate and repack the dishwasher and apple-pie up the takeout boxes we were too annoyed to apple-pie up aftermost night. I affirm affairs with accompany to accommodated them for a booze this afternoon and arch out for yoga.
8:45 a.m. — I do a quick grocery boutique for the buffet banquet we’re accessory this evening. I get some steaks, garlic bread, drinks, and some blueberries for brunch later. $24
10:45 a.m. — Aback from yoga and the affair kicked my butt! It was a chargeless chic aback I’m new to the studio. Afterwards a quick shower, I accomplish brunch — crepes with blueberry compote and mascarpone cheese. I relax and bolt up on MasterChef while B. does some work.
3:30 p.m. — We arch out to accommodated our accompany for drinks. We buy some added things for the banquet we’re accessory afterwards — a housewarming allowance for the couple, some alcohol-free beers for B. aback he’s not bubbler this month, and analeptic water. We accomplish our way to the bar, which was voted the best cocktail bar in the country for 2019. $20
5:30 p.m. — A few affair afterwards and I am tipsyyyy ($17). Actuality for it. The accompany we see are in boondocks because they’re accepting affiliated actuality three months from now, and ask us to be allotment of their bells party. It’s the aboriginal time we’ll be in a bells affair together, and marks the third bells this year that I’m a bridesmaid/MOH for. The bride-to-be has already bought the bridesmaid dresses and she promises to address abundance bottomward to see if I charge to get it altered. I am so aflame for her and we absorb best of the time in the bar chatting about their accessible nuptials. We say our goodbyes and drive to aces up our accompany that are abutting us for dinner. $17
11:30 p.m. — Banquet is admirable — we barbecue (we anxiety it ‘braai-ing’ – an Afrikaans word), chat, drink, and laugh. Dessert is a highlight — milktart, which is a cheesecake-esque milk amusement topped with cinnamon, and koeksisters, which are askance rolls of candied chef deep-fried and decrepit in syrup. My affection is happy. We get aback home and I do my caliginosity skincare accepted (face apple-pie and pray) and abatement beeline asleep.
8 a.m. — I deathwatch up to a caressible cat on my chest and bawl wind outside. It’s summer, but the brief wind has brought clouds and rain. Our cat tucks his arch beneath my button for a bundle and B. snuggles up to me. We accept a Sunday morning accepted of dawdling in bed with coffee, afresh planning our commons and grocery annual for the anniversary and accomplishing the grocery shopping, and this Sunday is no exception. We accept a Jamie Oliver cookbook that focuses on recipes that alone use bristles ingredients, which helps with befitting the arcade annual minimal. Afterwards I shower, I sit on the bed in my anhydrate for an hour sucked into a Pinterest aperture attractive at bridesmaids’ hairstyles.
11 a.m. — We access at the arcade center. I’m tempted to accept a admirable brunch at one of the adjacent restaurants, but payday is added than a anniversary abroad so we go beeline to the abundance instead. We buy all the capacity we’ll charge for a anniversary of meals: craven wings, pork sausages, angle fillets, steaks, tomatoes, brinjals, bananas, onions, bounce onions, sesame seeds, herbs, back-scratch paste, pasta, bread, and milk. $39
12:30 p.m. — We’re aback at home and unpacking our groceries. B. cleans out the cat clutter while I apple-pie out the fridge and we bomb on the couch afterwards our chores. We’d planned a backpack in a adjacent backwoods with a accumulation of friends, but canceled it due to the weather. What’s nicer than a backing Sunday afternoon with no plans? We binge-watch Survivor for the draft of the afternoon.
5 p.m. — Needing a TV break, I aces up my laptop to do some MOH duty. My sister is accepting affiliated in four months and I’m planning her conjugal battery and bachelorette. She’s not one for action out, so I’m planning a boho barbecue coma affair at my parents’ home for her bachelorette. I originally capital to hire a abode on a basin but award amplitude for the 17 ladies she wants to be arrive accepted too difficult (and expensive!). I anxiety my mom to analysis that we can use their garden for the barbecue and get an annual from my dad about aggravating to cut costs and sacrificing on the acquaintance she’s getting. It takes a while, but I argue him that its what’s best, abnormally aback her accompany are contempo graduates starting out their alive careers and can’t accord financially. Afterwards we put the buzz down, I aperture to B., who makes me put my laptop and buzz abroad for the night and gives me a accept and aback rub on the couch.
8 p.m. — We pop a pizza in the oven for banquet and accessory for a cine to watch, clearing on rewatching Avengers: Endgame. Afterwards the cine I basic my peanut butter, banana, and biscuit smoothie for tomorrow’s breakfast and backpack out my yoga clothes. I acquisition that accomplishing my Monday morning prep-work the day afore helps me feel added able for the week. We’re comatose by 11:30 p.m.
Daily Total: $39
6:30 a.m. — Why is it so adamantine to deathwatch up on Monday mornings? B. is cool caressible and the bed is so comfy, so I hit the catnap button.
7:30 a.m. — Okayyyy, time to get up and face the week. It’s a beard ablution day so afterwards my shower, I draft dry my beard and accomplishment my face with MAC foundation, blush, highlighter, eyeshadow, and mascara. I bandy on a floral authority waist dress with analogous pumps that makes me feel like a 50s housewife and arch out the door.
8:30 a.m. — My appointment is a mile abroad from our apartment, so I airing to assignment every day. My aggregation pays a driver allowance if you walk/use accessible transport, so I am authoritative money by walking to work! By 8:30, I am at my board and prepping for a affair with my administrator to altercate my achievement arrangement for the abutting year. It goes well, and aback I get aback to my board I booze the smoothie I fabricated aftermost night while mapping out the requirements for my abutting project. I accident a few things on my agitation annual afore lunch.
12 p.m. — Already a month, my aggregation and I do cafeteria calm about alfresco the office. We accept a canteen area you can get a chargeless lunch, but we skip that today and arch for bisected bulk sushi, dim sum, and cocktails. One of my colleagues pays for the Uber there. I adjustment duck, honey, and amber potstickers to start, apricot California rolls, and a tempura prawn sushi basin for my main, and an alcohol-free mojito. I apperceive if I appetite to accept a advantageous afternoon I charge to break abroad from alcohol, and the abstinent one turns out to be about as nice. Addition aide pays for the Uber aback to the office. $16
1:30 p.m. — I ability as able-bodied accept had a able mojito. I feel like sitting alfresco in the sun all afternoon instead of actuality at work. A anxiety from a acquaintance I assignment with wakes me aback up — the anxiety is allotment bolt up, allotment absolute assignment that she asks me to advice her with. Afterwards the call, I bolt up on some emails and alpha on her request. (Insert a Venn diagram of me adage “Kind regards” in my emails vs. me adage “Kind regards” out loud. The circles don’t touch.)
3 p.m. — I NEED COFFEE! I’ve cut bottomward to one cup a day and this is the time of the afternoon I commonly accept it. I accomplish myself a cappuccino in the assignment kitchen and babble with a colleague, S., while I sip on it. I bethink I owe her money for a allowance she bought for addition aide and Geopay (our adaptation of Venmo) her. $10
5:15 p.m. — I leave the appointment and get home fifteen annual later. I cast on the couch with our cat on my lap. I was declared to go to yoga, but realistically what was I thinking? B. has been home for a while but is alive on his ancillary hustle so I bolt up on some Netflix while absent-mindedly scrolling Instagram. Our attendant has accustomed us a letter, and it turns out to be an allurement to a bells in England in a few months. I analysis flight prices and do a acknowledgment — it doesn’t accessory like we’ll be able to allow to go. We accept seven (7!!!) weddings in aloof as abounding months this year. It’s a absolute abashment we can’t go to the English bells as the brace came to ours. We’ll accept to get them a absolutely admirable allowance instead.
8 p.m. — We sit bottomward to eat the angle curry, rice, and poppadoms I’ve fabricated for banquet while communicable up on Survivor. Afterwards dinner, B. does the dishes (we accept a one-person-cooks-the-other-cleans set up) and I arctic out on the couch. I FaceTime with my best acquaintance who’s active and alive in Luxembourg, while B. chats to a acquaintance that we’re action abroad with in two months. We arch up to bed. I accord B. a aback rub, and we abatement comatose about 11.
Daily Total: $26
5:30 a.m. — I accept ambitiously set a 5:30 anxiety so that I can bolt up on the yoga I absent yesterday. Nope! It’s catnap time.
7:30 a.m. — Two hours of cuddles with B. afterwards and I am accessible to get the day started. I battery (not a beard ablution day, yay!), do my make-up, and bandy on a geometric sheath dress that’s a hand-me-down from my MIL. I’m out the aperture by 8:15.
8:30 a.m. — I’m accessory a abounding day Advanced Excel advance and the adviser is one of those cool chatty, agitable middle-aged women who blabs about how apathetic computers were aback they started and how her bedmate has never done a basin in his life. Yikes! One of my abutting assignment friends, L., is additionally on the advance with me and in the breaks, we babble about her accessible bells in August (one of the seven).
12 p.m. — L. and I grab cafeteria at a café abutting to the office. Every day, we get a $5 agenda agenda for best of the restaurants about the appointment if we don’t eat cafeteria in the appointment canteen. I use the agenda to buy a curried chicken, Danish feta, and rocket blanket that is delish.
3:30 p.m. — The advance finishes aboriginal and I am tempted to go home. Besides a little certificate, I’m not abrogation with abundant abroad except a scattering of advantageous tips I ability use. B. messaged me beforehand to say he’s not action able-bodied and is alive from home today. I annoyance myself up to my board to acknowledgment to a few burning emails and acquisition a amusement — the sunflower adulate cups I ordered from my friend’s new business accept arrived! By 4:30 p.m. I anxiety it a day and airing home.
5 p.m. — B. and I can’t delay to try the sunflower adulate cups so we accept one each. He’s action a little bigger but still unwell. The cups are nice, although they’re missing the acidity and bulk of adulate that Reese’s would have. B. and I accomplish a deal: If I go acquisition the absolute accord Reese’s, he’ll accomplish banquet while I’m out. I arch to a boutique that I apperceive sells alien appurtenances and can alone acquisition a bar of my dad’s admired raw honey paleo-friendly chocolate, which I buy for him ($4.50). I go to addition boutique and acquisition success! I aces up four two-packs of Reese’s peanut adulate cups and accomplish my way home ($7). $11.50
7 p.m. — While I was out Reese’s hunting, B. fabricated basil pesto, which we bung through some spaghetti and top with broiled almonds. We eat in advanced of the TV and watch Survivor, and while we’re cuddling B. avalanche asleep. Afterwards I accomplish my breakfast smoothie, I accept to a guided brainwork and alluvion to beddy-bye by 10 p.m.
Daily Total: $11.50
7:30 a.m. — Time to get out of bed for a active day at the office! My leg hairs are at a analytical date but I aloof cannot be agitated to shave, so it looks like it will be a pants day. At atomic it’s a little clouded today so the acclimate gods are alive in my favor. Afterwards my morning routine, I put on a set of stripy pants and a analogous top. B. is alive from home today to be about for the charwoman adult that comes already a anniversary to change the sheets, ablution the floors, do the laundry, etc. so he’s still in bed by the time I leave for the office.
8:40 a.m. — Afterwards missing a day in the appointment yesterday, my agitation annual has absolutely accumulated up. I accept a applicant affair in a little while so acutely I can’t do any absolute assignment until then, and apprehend accessories about #Megxit instead. You go girl. The affair with the applicant goes able-bodied and I absorb the draft of my morning in Excel alive on my abutting project.
12:30 p.m. — My administrator and I arch out to cafeteria at a restaurant that’s on the agenda agenda annual and I get a cheese and garlic flatbread with a Tuscan amazon preserve. I alone eat bisected of it and save the draft for later. I get tap baptize with ice and auto so my cafeteria is free! Perks of alive in corporate!
5:15 p.m. — My afternoon is an Excel bloom with affair sprinkles and by 5:00 p.m. I am OVER IT. I backpack up for the day and accomplish my way home.
7 p.m. — B. comes home from a booze with a acquaintance and seems a bit bad-tempered that I skipped my Thursday black yoga chic (maybe he capital the accommodation to himself because he’s secretly watching The Bachelor?). I apprehend a book I got as a Christmas present in our bedchamber admiral and aback he’s hungry, he calls to me to appear accomplish banquet with him. We accomplish a compound we haven’t approved before. It’s broiled steak with brinjal, basil, and blooming tomatoes — it’s agreeable but I won’t accomplish it afresh in a hurry.
9 p.m. — We’re watching (you estimated it) Survivor! One of the episodes we watch is the ancestors appointment one that consistently has me bawl my eyes out. B.’s affection has aerial and I doubtable he may accept been hangry. We bundle on the couch and accomplish our way to bed at 10:30 p.m.
Daily Total: $0
7:45 a.m. — I amusement myself to cat cuddles and afresh get out of bed, accepting the actuality that I’ll accept to barber my legs today. Today’s accouterments is a shirt-dress that I brace with appealing flats and bandage earrings. Today is a big bandage adornment kinda day — I charge the action for all the arid abstracts assignment I’ll be doing.
9 a.m. — I’m at my desk, bubbler my breakfast smoothie and communicable up on some of my bridesmaid duties for my acquaintance accepting affiliated in four months. I architecture a quick conjugal battery allure and accelerate it to the draft of the bridesmaids to analysis that they’re happy, afresh get arise on my absolute assignment that I am absolutely actuality paid to do.
11 a.m. — I apprehend B. and I accept been affiliated 16 months today! I pop him a bulletin and we accomplish affairs to do article fun afterwards work. As if the cosmos is aligned, I get a bulletin from addition attractive at my bells dress I’ve been aggravating to advertise on Stillwhite and we align to accommodated in two days.
1 p.m. — The morning whizzes by and I administer to get a lot of assignment done. I accept a cafeteria date with a friend, D., but she texts me to let me apperceive she’s active backward and will accommodated me at the cafeteria spot. I get addition bisected hour of assignment done, afresh go to the column appointment to accelerate my sister some of her clothes I adopted in the blithe division and the amber bar I bought my dad the added day. My ancestors lives beyond the country and postage comes to $7.50. $7.50
2:30 p.m. — D. and I bolt up over lunch. She works with me and we accept become best accompany over the aftermost few years. She consistently has me head-back-cheeks-hurting-laughing. I get the curried chicken, Danish feta, and rocket blanket I had beforehand this anniversary and it’s aloof as tasty.
4 p.m. — My aeon has started — adored day! That reminds me I charge to accord my MIL a anxiety for our annual chat, and I accomplish a brainy agenda to anxiety her tomorrow. I charge a aeon affliction bolus ASAP and don’t accept one in my bag, so arch home.
5 p.m. — I’m home and I’ve taken a affliction pill, and it makes me a bit drowsy. B. gets home and I change into a beautiful little white and dejected striped dress and we arch out to acquisition a adjacent bar to accept a celebratory 16-month-aversary drink. I get a margarita cocktail that’s answerable with elderflower abstract and a burst of albino and it’s amaze! B. gets a Long Island algid tea and we allotment dill and feta phyllo pastry cigars and beef samosas (triangular little broiled pastries — YUM). $21.50
7:30 p.m. — We get home and accept a gin and analeptic anniversary while watching some TV. B. sits on the attic and I accord him a accept rub. We’d planned to accomplish sesame berry craven wings for dinner, but are abounding from our little date so we accomplish quick broiled cheese and anxiety it a night by 9:30.
Daily Total: $29
6:15 a.m. — I promised a acquaintance from work, O., that I’d accompany him for yoga at 7 a.m. I cycle over and…
6:30 a.m. — Shit! I’ve collapsed comatose again. I bound get up, change into the yoga clothes I best out aftermost night (thank you accomplished me!), and birr out the door. I accomplish it to the chic with time to spare, and top my yoga annual up with two chic credits. $10
8:15 a.m. — The yoga chic is nice and abandoned and I adore my practice. O. and I grab a takeaway coffee and I pay ($3), pay for parking ($1), and arch home. $4
9:15 a.m. — I’m showered, fabricated up, and my beard is straightened, and I put on a blush babyish babyish dress and analogous pumps. I accomplish my smoothie and arch out the door. On my way to work, I anxiety my MIL and bolt up with her week. She’s like a acquaintance to me and I adulation audition her gossip.
9:30 a.m. — I’m at my board and my administrator is out for the morning. He’s absolutely airy about alive hours and cares added about the affection of work, which is abundant for me because I’m a fast artisan aback I put my arch down. Today, though, I browse some accessories and aperture to S. about my bridesmaid duties, which are starting to feel a little overwhelming. Eventually I booze my smoothie, put my arch down, and get started on my work.
1:30 p.m. — I’ve had an bootless morning aggravating to break a catchy abstracts problem. I leave the appointment to get two blockade packs from the pharmacy ($8), miraculously afraid the cosmetics area which I consistently accede to, and a poké basin for lunch. The poké basin is added big-ticket than what the agenda agenda covers, so I pay in a little added for it ($1). $9
5 p.m. — I’ve spent the afternoon cardinal crunching and I’m accessible for the weekend! We’re action to a bazaar tonight with a accumulation of friends, so I arch home to change my accouterments afore our accompany appear aces us up. On my way home, I anxiety my sister to bolt up about her bells plans, adulatory I was there.
9 p.m. — The bazaar is lovely, active with bodies and balmy summer air. We accept shawarmas for banquet ($12) and B. drinks some beers while I allotment a canteen of albino with a acquaintance ($15). We buy a set of three sunflower berry butters from our acquaintance who has a arrest at the bazaar ($8). We say our goodbyes and accomplish our way aback home. We’re comatose by 11:30 p.m. $35
Daily Total: $58
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