Welcome to Money Diaries , where we’re tackling what might be the last taboo facing modern working women: money. We’re asking millennials how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar.
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Today: a School Zero Waste coordinator who makes $38,000 per year and spends some of her money on fruity Mentos.
Occupation: School Zero Waste Coordinator
Industry: Municipal Government
Paycheck Amount (2x/month): $1,138.58
Gender Identity: Woman
Mortgage: $550 for my share (I split home expenses with my boyfriend.)
Loans: $0 (My degree was paid for by scholarships, and my parents and I bought my car used with cash.)
401(k): $45.12 (Taken out of my paycheck — I contribute 3% and my employer matches 4.5%.)
Supplemental Injury Insurance: $13.86 (My employer pays my healthcare premiums in full.)
Heat and Hot Water: $10-$200 (Depending on the season. I split with my boyfriend.)
Wi-Fi: $25 for my share (Split with my boyfriend.)
Electricity: $20 for my share (Split with my boyfriend.)
HOA fees: $65 for my share (Split with my boyfriend.)
Cell Phone: $50 (Sent to my boyfriend, M.’s, dad — I’m on his company’s plan.)
Vermont Public Radio: $9
Donation to Local Women’s Shelter: $5
Netflix, HBO, etc: $0 (We use M.’s parents’ accounts.)
Savings: $320 (Sent automatically to an Ally savings account.)
6 a.m. — My alarm goes off. I pull my dog up and under the covers to snuggle with me for another few minutes. Five minutes later M.’s alarm goes off. M. makes the bed and I start coffee and feed all the pets (we also have two cats). I don’t really have a skin-care or makeup routine, but I try to at least wash my face with water and put on SPF in the morning. We both dance around the kitchen preparing breakfast and lunch for ourselves. I make a smoothie (vanilla oat milk, banana, a couple dates, peanut butter, moringa powder, and protein powder) and a quick coleslaw (cabbage, a little mayo, a squeeze of lemon, salt and pepper, and a couple scoops of leftover quinoa) that I’ll add to a …read more