Welcome to Cash Diaries, the place we’re tackling what could be the final taboo dealing with fashionable working ladies: cash. We’re asking ladies how they spend their hard-earned cash throughout a seven-day interval — and we’re monitoring each final greenback.
At present: a Registered Nurse working in Healthcare who makes $105,000 per 12 months and spends a few of her cash this week on Insomnia Cookies.
Editor’s Be aware: Refinery29 might be taking a Day of Pause on Monday. There might be no Cash Diary on Monday, however we might be again on Tuesday. Moreover, in honor of each Mom’s Day and Nurses’ Week now we have swapped the NYC diary to right this moment and could have a non-NYC mom’s diary tomorrow.
Occupation: Registered Nurse
Wage: $105,000 base + ~$20,000 from bonuses, extra time, and on-call
Web Price: ~$82,000 (checking account, financial savings, HYSA, 403(b), and IRA)
Paycheck Quantity (2x/month): ~$2,320 (that is after taxes and pre/post-tax deductions). My paychecks can fluctuate wherever between $2300-$2900.
Lease: $1,900 for my half of a one-bedroom flex in a luxurious constructing (I’ve the actual room). Insane, I do know, however not less than my final month of lease is free.
Loans: $0 (I’ve no pupil loans or bank card debt. I’m extraordinarily grateful that my dad and mom paid for my school tuition.)
Utilities: ~$23 (for my share)
Wifi: ~$19 (for my share)
Cellphone: Mother and father pay for the household plan
Spotify & Hulu: $4.99
Acorns Roundups: $1 (I’m not at the moment contributing cash to this now)
iCloud storage: $2.99
New York Occasions Subscription: $6.13
Class Move: $83 (on pause proper now)
Wage Works Transit: $127 deducted from one paycheck per thirty days (used to pay for my limitless Metrocard)
Financial savings: $500-$1,500/paycheck
Retirement: $500/paycheck (and my employer matches about $232 per paycheck. I’ve $42,000 in my 403(b) and about $7,000 in an IRA that I’m not actively contributing to.)
Chase Sapphire Most well-liked Credit score Card: $95
Life Insurance coverage: $1,780 (my mother made me….)
Amazon Prime: I exploit my mother’s account along with her blessing
8:30 a.m. — My first alarm goes off. My boyfriend, L., will get off the bed to take a bathe whereas I proceed snoozing. Final evening, I informed L. to tug me off the bed (actually) as a result of I’ve been waking up late day-after-day for the previous week. L. manages to get me off the bed at an inexpensive time. I rise up, brush my tooth, wash my face with Recent Soy Cleanser and moisturize with Tatcha Dewy Pores and skin Cream. No make-up right this moment (or actually, any day). I throw on Lululemon leggings, a cropped hoodie, Ultraboost sneakers, and my Canada Goose jacket for our Dealer Joe’s journey. We seize our reusable baggage, placed on our masks, and head out to the subway.
9:30 a.m. — We take the prepare to Dealer Joe’s and surprisingly, the road outdoors isn’t that lengthy. I introduced my work ID with me as TJ’s has been letting healthcare staff skip the road. I used to attend within the line for an hour each time as a result of I felt dangerous skipping it, however L. consistently jogs my memory that I don’t have the luxurious of working from residence and that I ought to simply use this perk. I seize my normal weekly groceries: spinach, cucumber, child carrots, Roma tomatoes, balsamic French dressing dressing, potatoes, miso brown rice stir fry, garlic, hummus, vegan pesto, floor turkey, precooked balsamic rooster breast, yogurts, reduced-fat milk, inexperienced juices, pita bread, and pita chips. L. will get path combine, steak, rosemary, potatoes, Brussel sprouts, and canola oil. I pay for the groceries. $95.52
10:30 a.m. — We arrive again at my condo and put away groceries. I do a 12-minute full-body HIIT exercise and a 10-minute ab exercise on YouTube. I’m dying by the tip and vow to do extra of those residence exercises (lol certain). L. and I make espresso (iced latte for me, scorching mocha for him) with my Nespresso. (Additionally, of be aware: L. and I don’t stay collectively however have mainly been quarantining collectively. I’ve one roommate, however she hasn’t been round since New York went into quarantine).
12 p.m. — Lunchtime! We eat leftover arroz con pollo from our dinner yesterday whereas watching Breaking Dangerous on Netflix. L. has by no means watched Breaking Dangerous earlier than!
2 p.m. — I make an iced matcha latte (I exploit a matcha powder stick from TJ’s and froth that with milk in my Nespresso milk frother and pour it over ice. It tastes like a restaurant model and saves me $7). I additionally slice a chunk of chocolate chip banana bread (I do know, everybody and their mom is baking banana bread throughout quarantine) that I baked earlier this week.
4:30 p.m. — I peel myself off my mattress to cook dinner my lunches for my subsequent two days at work. I make Dealer Joe’s cauliflower gnocchi with rooster sausage, spinach, mushroom, and vegan pesto. This can be a tremendous straightforward and filling meal and is at all times in my rotation. As I’m cleansing up, L. comes into the kitchen to cook dinner dinner — steak, potatoes, and Brussels sprouts that we purchased earlier right this moment. (L. just lately bought laid off from his job and has been studying learn how to cook dinner along with his free time. He has by no means cooked in his life earlier than final week and doesn’t even personal a pan LOL.)
6:30 p.m. — Dinner and Breaking Dangerous. Final time L. made steak and veggies/potatoes, he over-salted every little thing, however right this moment he did higher! I’m so hungry I end dinner inside 15 minutes of the episode. After, L. does dishes whereas I bathe and wash my hair.
10 p.m. — After spending hours vegging in mattress, I resolve that it’s most likely a good suggestion to prepare for mattress. It will likely be my first day again to work in 9 days, as I used to be on “staycation” final week. AND, I’ve to get up at 6:30. The Sunday scaries are actual, guys. I do my evening routine (similar factor as my morning routine besides I add Tatcha Peony Eye Cream) and crawl into mattress with L. We speak a bit of after which each fall asleep.
6:20 a.m. — My first alarm. Nope.
6:25 a.m. — Nonetheless nope. I set one other alarm for six:35.
6:40 a.m. — I lastly roll off the bed. I really don’t really feel THAT horrible to date. I’m a type of individuals who can prepare for work shortly, so I often roll off the bed 15 minutes earlier than I’ve to depart. I do the same old morning routine, make an iced latte with my Nespresso in my Yeti mug, and alter into the very same outfit as yesterday. I kiss L. goodbye and am out the door round 6:55. (L. will depart for his condo later within the day, as he prefers to be at his condo whereas I’m at work. I’ve supplied him my condo to remain at so he can decrease his publicity on the subway, however he’s fairly adamant about going again to his condo and reassures me that he’ll put on a masks and watch out. I’ve tried a number of instances however with no success. It does make me really feel higher that apart from coming to my condo and going to Dealer Joe’s with me, he doesn’t go outdoors.)
7:30 a.m. — I arrive at work. I’m often at work 30 minutes early so I can grow to be scrubs, end my espresso, eat breakfast, and clock in.
Eight a.m. — And my shift beings. I work in a procedural unit and circumstances have been gentle because the begin of COVID. At present is not any exception, although we’re slowly progressing in the direction of going again to our regular caseload. I assist round within the pre/put up space after which go into the process room for half of 1 case and all the subsequent case.
1:30 p.m. — Lunchtime. I warmth up my cauliflower gnocchi and eat with a coworker within the cafeteria. We chat about life and ponder getting a espresso however resolve towards it. Because the pandemic started, numerous eating places/companies have been donating meals to the hospital for important staff, so there are numerous meals/coffees/snacks totally free. The assist is basically heartwarming to see!
1:45 p.m. — I get again to the unit. All of our circumstances are finished and our sufferers are discharged. (Even after we’re finished with circumstances for the day, we’d like workers for emergencies that may come by means of. Due to this fact, we at all times be certain that there’s a group of three or 4 round simply in case.) A number of of my coworkers wish to get meals/snacks, so I tag alongside and get the espresso I’ve wished since lunch.
6 p.m. — And I’m out! I’m going to the locker room to alter, deposit my scrubs again into the machine, and take the bus residence. I’ve a ultimate tonight for one in all my courses and I haven’t studied for it. My professors for my courses have been tremendous lenient/versatile all through the semester, as they’re all conscious that the majority of us graduate college students work as RNs full-time and are underneath excessive stress at work throughout this pandemic. My examination tonight will really not be counted towards my ultimate grade whether it is decrease than my midterm grade, which is nice as a result of I did nicely on my midterm.
8:15 p.m. — Achieved with my examination. I make myself some dinner — pita bread, pre-cooked balsamic rosemary rooster, spinach, cucumber, tomato, hummus, half an avocado, and a few child carrots on the facet. I can’t keep in mind the final time I ate this wholesome. After I eat, I bathe (however don’t wash my hair), put away dishes, wash extra dishes, and take out the trash and recycling. Afterward, I eat my final slice of banana bread and do my final project for my class later this week in mattress.
11 p.m. — I lose curiosity in my project and resolve to only name it an evening. Fortunately, I work my regular 9 a.m. shift tomorrow, so I don’t must get up as early. I do my evening routine and sleep.
Day by day Complete: $0
7:30 a.m. — I don’t wish to be awake proper now. I snooze till Eight earlier than getting up and doing my fast morning routine.
8:15 a.m. — I run out the door to catch the subway. I get to work at 8:45, change, and inhale my breakfast and occasional whereas I flick through the New York Occasions on my cellphone. Then, I head to my unit and clock in for my shift.
1:30 p.m. — Lunchtime. I eat lunch with a coworker within the cafeteria. Extra cauliflower gnocchi and a La Croix for me. We eat, chat, after which head again to the unit.
7:05 p.m. — I depart work for residence, We weren’t very busy right this moment. I’m having fun with it whereas it lasts as a result of the remainder of the week seems prefer it’s going to select up. L. meets me within the foyer of my condo complicated and we take the elevator as much as my condo. I make the identical dinner as yesterday and we watch an episode of Breaking Dangerous.
9 p.m. — I shortly bathe as L. does the dishes. Then, I lay in mattress whereas I end and submit my final project for sophistication. I’ve yet another class tomorrow however so far as I’m involved, the spring semester is over.
11:30 p.m. — Bedtime.
Day by day Complete: $0
9:30 a.m. — I get up a bit of later than I’d’ve appreciated, however I’m off right this moment so I’ll enable it. After my morning pores and skin routine, L. and I make espresso and I make an egg scramble (eggs, floor turkey, spinach, mushroom, and topped with tomato and avocado) for us for breakfast. We watch an episode of Brooklyn 9-9 whereas we eat.
11 a.m. — I bake banana bread for my coworker as a thanks for a favor she did for me final week. It comes out smelling scrumptious and I resist the urge to steal a chew.
three p.m. — I get up from an unintentional nap. I wasn’t even drained, however the gloomy climate made it a lot simpler to go to sleep. I often attempt to go for a stroll on my days off, however the climate isn’t nice right this moment. As an alternative, I resolve to cook dinner my lunches for the following two days — Dealer Joe’s Miso Brown Rice Stir Fry and salmon. I additionally make myself an iced latte with one shot of espresso and seize a chocolate bar to share with L.
4:30 p.m. — Earlier than class, I shortly leap into the bathe and wash my hair. Then, I signal into Zoom for my final class… I’m hardly paying consideration. L. makes dinner whereas I’m in school — rooster katsu with rice
7 p.m. — Class is over proper as everyone seems to be cheering for important staff outdoors. We eat dinner and watch an episode of Breaking Dangerous as per normal. After dinner, L. does the dishes whereas I try to wash up all the oil that’s splattered throughout my range.
9:30 p.m. — I don’t know why, however I’ve been craving cookies for the previous few days. I used to be ready to withstand till now… I collapse and order six cookies from Insomnia. $18 with supply charges, tax, and tip. I haven’t actually spent cash currently, so I don’t really feel as dangerous. $18
11:30 p.m. — Evening routine and time for mattress!
Day by day Complete: $18
7:40 a.m. — After snoozing by means of fairly a couple of alarms, I forgo extra cuddles with L. and get off the bed. Fast morning routine and I’m out the door.
8:20 a.m. — I don’t often order Starbucks anymore, however I left my tumbler at work and don’t have one other, so I cellular order and decide up a grande iced espresso with complete milk. I exploit cash that I have already got on my app.
9 a.m. — The standard morning work routine — change, eat, drink espresso, clock in, and present my face on the unit! Our caseload is sort of heavy right this moment and it looks like issues are going again to “normal.”
1:45 p.m. — I take my lunch break with a coworker after which head to Starbucks. Starbucks has been giving out free espresso to healthcare staff (I assume I might have gotten my morning espresso totally free, however I really feel bizarre about asking one thing totally free in my regular garments. It makes me really feel higher once I’m not less than carrying scrubs and with one other coworker). I get a tall iced espresso with complete milk.
6:30 p.m. — I find yourself going right into a case with a affected person I had earlier right this moment and discharge him as nicely. He’s so candy. I depart work at 7. I’m on name tonight, so I be certain that I’ve my pager and an additional pair of scrubs.
7:45 p.m. — L. meets me at my condo. He had a late lunch so he’s not hungry, however I make myself a pita bread with hummus, rooster, cucumber, tomato, and avocado with a facet of carrots. On-call begins at 10, so I be certain that to cost my cellphone, activate my pager, and structure my scrubs and a pair of socks. Just a bit background: The on-call group is a three-person group for in a single day and weekend emergent circumstances, as our unit closes at 10. In a single day name begins at 10 p.m. and ends at 6 a.m. The pay is fairly good, so if I’m ever in want of some cash and I get supplied to select up a name, I often take it.
10 p.m. — I get myself prepared for mattress (brush, skincare routine, contacts out). I select probably the most obnoxious tone for my pager and switch up the amount on my cellphone. Being on-call might be/nonetheless is nerve-wracking as a result of I fear about sleeping by means of a web page. It helps that I keep at residence for name (I stay throughout the required distance to remain at residence), however I often find yourself sleeping poorly no matter whether or not or not I get paged in.
11 p.m. — Sleep time! L. and I speak a bit of after which I fall asleep to sleep.
Day by day Complete: $0
6:30 a.m. — I don’t know why I’m awake, however I roll over and verify my cellphone and see that it’s 6:30! I rejoice that I as soon as once more have gone one other evening with out being referred to as in after which fall again asleep.
7:30 a.m. — Up and at ’em. Not less than it’s Friday! Morning routine, iced latte in my tumbler, and out the door. It’s raining once more, ugh. I slosh to the subway station. Throughout my commute, I verify my bank account (I bought paid right this moment!) and transfer some cash to my HYSA.
8:30 a.m. — Change, eat breakfast (vanilla Chobani yogurt, protein bar), return my pager, clock in, and present my face at work. It’s a gradual morning due to some late begin instances, however I’m not complaining. I get better a affected person for all the morning earlier than sending her off to a different unit.
2 p.m. — Lunchtime. I eat with my coworker. We go to the cafeteria and regardless that I introduced my lunch of salmon and stir-fried rice and veggies, I need snacks. I purchase a glowing water and a bag of potato chips. After we eat, we go to Starbucks as soon as once more for a free espresso. $4.18
7 p.m. — Freedom!! L. and I’ve mentioned ordering Italian meals for dinner, so I textual content him that I’m leaving work and he orders from an Italian restaurant close to me. He makes use of a 15% low cost I’ve and the entire is $43. I Venmo him for my half. $22
Eight p.m. — L. arrives, and shortly after, so does the meals. Supply individuals are not allowed previous the foyer, so now deliveries are positioned on a desk within the foyer close to the “concierge” desk (I don’t know what to name it…? It’s the desk the place the doormen sit). L. and I’m going all the way down to the foyer, seize our meals, and head again up. Once more, we watch one other episode of Breaking Dangerous.
11:45 p.m. — I’m getting tremendous sleepy, so L. and I name it a day. Tomorrow, we’re tagging alongside on my coworker’s grocery purchasing day (she drives and often goes grocery purchasing at varied shops within the suburbs close to the place she’s from). We’ve finished this a couple of instances earlier than as a result of we each love grocery purchasing (is that bizarre?), and L. might be becoming a member of this time. You recognize you’re an grownup when grocery purchasing excites you.
Day by day Complete: $26.18
9:30 a.m. — We get up a bit of later than I need, and I see a textual content from my coworker, N., that she’s about to depart her place in Brooklyn. I brush, wash my face, moisturize, and alter. L. and I head out to get espresso from the espresso store across the nook — iced latte for me, mocha for L., and iced espresso for N. I pay and tip $1. $17.75
10:15 a.m. — N. arrives proper as we depart the cafe — excellent timing. We begin the drive as much as the ‘burbs — our first stop is H-Mart. There’s a line, however I don’t thoughts as a result of it’s good outdoors. I purchase bok choy, apples, a cabbage, matcha Equipment-Kats, tofu, noodles, and cilantro (I later discover out that I unintentionally grabbed parsley, sigh). L. and I wish to marinate beef ribs and have a couple of sides, so we additionally purchase marinade, beef ribs, kimchi, kimbap, pickled cucumbers, pickled radish, and fish cake. The full is $93.79 however L. Venmos me $60. $33.79
12 p.m. — Subsequent cease, Dealer Joe’s. I seize two baggage of miso brown rice stir fry, a purple bell pepper, a candy potato, a purple onion, milk, almond milk, candy potato chips, two RX Bars, two inexperienced juices, path combine for L., olive oil, olive oil spray, and a bag of cauliflower gnocchi ($52.68). Our final cease is a neighborhood grocery retailer, the place I seize a bunch of random issues: sauerkraut, rooster meatballs, cauliflower crusts, a household pack of rooster breasts, a zucchini, chocolate chip cookies, two fried rooster sandwiches, and two scorching sandwiches from their scorching bar for lunch for L. and me (their ready meals are DELICIOUS). ($67.97). We head again into NYC. $120.65
4:45 p.m. — After dropping off some groceries for N.’s siblings who stay close by, N. drives us again to the condo.
7 p.m. — Dinner and Breaking Dangerous, as normal.
11:45 p.m. — The place did the previous couple of hours go?! L. and I discuss our plans/errands tomorrow, and because the climate is meant to be stunning, we resolve to do some errands within the morning after which attempt to spend a while outdoor within the afternoon. Evening routine and time for mattress.
Day by day Complete: $172.19
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