- A London based writer and freelance copywriter who relies on her fiancé financially reveals what she spends in a week.
- She makes $16,825 but has a combined income with her fiancé who makes $70,000.
- This week she spends most her money filling up her car with gas.
- She also goes out to a couple nice dinners, which sets her back over $200.
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.
Today: a writer and freelance copywriter who makes $16,825 per year and spends it on Glossier perfume. Editor's note: All prices have been converted to U.S. dollars.
Occupation: Writer/Freelance Copywriter
Industry: Creative
Age: 26
Location: London
My Salary: $16,825
My Fiancé's Salary: $70,000. (My fiancé and I combined our finances a couple of years ago. At the moment, and much to my discomfort, I am relying on him financially while I get myself properly set up with freelance clients.)
Combined Paycheck (1x/month): ~$5252, after tax
Monthly Expenses
Rent: $1,892
Student Loan Payments: $0 at the moment. (I don't earn enough and have about $2,500 worth of credit card debt that I'm trying to pay off ASAP.)
Netflix: $9.80
Gousto Weekly Food Box: $168
Council Tax: $195
Electricity: Varies depending on usage, but at the moment it's about $32.
Internet: $68
Phone Bill: $0. (I'm still on my family plan, which I should probably change at some point.)
Savings & Charity: Currently $0. (I left my job over a year ago due to anxiety-related problems and wasn't able to work for a long time afterward. I've been freelancing properly since November, but am not making a decent wage quite yet. Until I am, and until I've paid off my credit card, contributions to savings and charities are on hold.)
SEE ALSO: Research shows that money can buy happiness if you spend it these 4 ways
Day one
8 a.m. — My boyfriend's alarm goes off. (Side note: Even though we're engaged, I usually just refer to him as my boyfriend.) He jumps straight out of bed (how?) and potters around getting ready. I promptly go back to sleep. Say goodbye to him, then snooze for a little bit longer.
10:30 a.m. — I justify sleeping this late because I'm fighting off a near-constant sinus infection. For breakfast I have a bowl of overnight oats, which I make in bulk most weekends. This week's huge batch contains blueberries, bananas, chia seeds, oats, coconut yoghurt, almond milk, and leftover flax seeds. I eat while sitting in front of my SAD lamp (for Seasonal Affective Disorder). I'm prone to Vitamin D-deficiency, so I've borrowed my mum's light to see if it helps me feel better in the winter.
11 a.m. — Today is Book Day. Most weeks, I work on a self-imposed schedule of three days freelance copywriting followed by two days of work on my novel. Without it, it can be all too easy to neglect the novel, as it (currently) doesn't make me any money. This week, I moved my book days to the beginning so that I can work on sending chapters to an agent before the end of the month – eek! Before I start, though, I have a bit of wedmin (wedding admin) to do. My boyfriend and I have been engaged for five-and-a-half years and have finally decided to get the wedding ball rolling. I bought a dress last week, and we're trying to tie down a venue now.
2 p.m. — Time has seriously run away from me. After some heavy wedmin, a chat on the phone with my mum, and lunch consisting of a big bowl of roasted veggies, quinoa, and hummus (homemade in bulk; our hummus consumption is too vast to justify buying it), I finally make my way into my pseudo-office. Then, I Uber to the dry cleaners with the aforementioned wedding dress. (It was a sample sale purchase, so it was recommended that I get it cleaned). $16.36
3 p.m. — Get to the dry cleaners and it turns out it's going to cost over $190 for the clean! This is more than double what the bridal store estimated, but I saved so much on the dress that it should still work out as a good deal over all. I hand over my card, feeling a little sick and a little too flustered to question the cost. On the way out, I decide I'll bring it up when I collect the dress. $196
3:30 p.m. — Stop to grab coffees for me and my boyfriend. I get access to the shared workspace that I use as an office through his work (and it's free!), and his office happens to be in the same building. We chat for a couple of minutes after I give him the coffee, and then I settle in for some writing while munching on a homemade cookie. (I used a cookie recipe from Lucy Watson's cookbook and was initially skeptical of buying a cookbook written by a reality TV star, but these cookies are SO GOOD. They're vegan but they don't taste it). $7
6 p.m. — Multiple breaks throughout the afternoon for snacks (lentil chips and then peanut butter and banana) and random internet browsing.
6:45 p.m. — Meet my friend for salsa class. We signed up a few weeks ago, inspired by our New Year's resolutions. As a socially awkward person with no coordination, dance class is a challenge for me, plus it's an additional expense, but it's good for my mental health. It's actually quite fun and I get see to see my friend on a weekly basis, which is lovely. I have a splitting headache when I arrive but hope I'll forget about it once we start.
8:30 p.m. — Head home after an hour of dancing very close to people I don't know and making awkward small talk with a fellow classmate. Still, it was fun and my headache is gone. My friend and I walk to the Tube while discussing how nice it is to spend time in class where you can't check your phone or really think about anything other than the choreography. We hug and make plans to hang out in a week or so. I spend the rest of the journey thinking about the bagel I'm going to make when I get home while also indulging my inner emo teenager by listening to 30 Seconds To Mars. (I recently discovered I love them. Jared Leto is a beautiful man. I have no shame.) $8
9:30 p.m. — I mooch about the house while I wait for my boyfriend to get back from football – I said I'd wait for him to eat, as he hasn't had dinner yet either. Chuck a load of washing in and feed Gerty, my sourdough starter. We were given a sourdough class for Christmas, and it was there that Gerty was born. For the next week, I have to feed it water and flour before I can use it (her? - the teacher heavily anthropomorphized her own starter, and now I feel the need to as well) to bake. My boyfriend gets home and we have bagels — his with avocado and goat's curd, and mine with avocado and vegan cream cheese. We watch old episodes of Travel Man while we polish off the last of the cookies, and then get to bed around 11.
Day two
9 a.m. — Boyfriend yells from the kitchen so I drag myself out of bed to see what's so exciting. Our sourdough starters have doubled in size overnight and look like tiny bready monsters. He leaves, and I eat oats for breakfast while watching Friends. Spend the morning reading up on the best way to approach agents for my novel.
11 a.m. — Grab a quick shower and douse myself in the last of the Glossier perfume tester I had. Fortuitously, it arrived just as I ran out of my regular perfume. It's cheaper than my usual and smells lovely, so I decide to order a full bottle online. $63
12:30 p.m. — Another portion of roasted veggies, quinoa and hummus for lunch. Watch another episode of Friends, then do a quick Headspace meditation. (I can keep my anxiety much more under control if I meditate everyday.) Check the sourdough starters and notice Gerty is bursting out of her plastic container. Hurriedly transfer her into a bigger jar before she explodes everywhere.
1 p.m. — Wander to my favourite coffee shop and am chuffed to get my usual seat, nestled away in a little nook at the back. Order a coffee which comes with a biscuit (this place is the best), and get to work on editing and writing. I was planning to contact book agents soon, but all the advice I read earlier has convinced me of the need to do one more, fine-tooth comb-through of my book before sending the first chapters off. $3.40
3:30 p.m. — Starting to get peckish. The cafe doesn't have any vegan cakes, so I panic and order another coffee I don't really need just so I can have the biscuit. Fun fact: Lotus biscuits are vegan. (I'm not strictly vegan but have noticed my skin and mental health are better when I avoid dairy, so I tend to follow a vegan diet most of the time.) $3.40
4:10 p.m. — My attention is lagging a little. I'm trying very hard not to just rewrite everything in the book, which is what I've done on each of my previous three edits. I decide to get my second coffee to-go to have tomorrow and then head home. On the way, I stop at a bookstore to do research – I want to have a look at how successful fantasy authors start their books and to get an idea of how long their chapters are. I spend a bit of time flicking through some novels, including A Game of Thrones, and my absolute favourite fantasy series, The Farseer Trilogy by Robin Hobb. Reading Hobb was what inspired me to finally start working on my own book, so looking over her first trilogy now is oddly nostalgic and emotional.
5 p.m. — Snack on homemade rye bread with a little vegan cream cheese while I watch Friends. Almost immediately cut another slice and have it with honey. Finish with a few lentil chips. Spend an hour or so on the phone with my mum and then my nan.
7 p.m. — Boyfriend texts to say he's on his way home and inquires about our dinner plans. Usually, on nights when he's home a little later, it's my turn to cook – and vice versa. Our weekly Gousto box arrived earlier today so we have three meals to choose from, but I'm beginning to feel pretty tired, so I suggest leftovers. I lie around until he gets home, and then we snack on rye bread with a yummy sheep's cheese. Feel a little better after eating.
9 p.m. — Remember we need to feed the sourdough starters. I do so while wishing Gerty was actually a small fluffy animal instead of a jar full of fermenting yeast, but you can't have everything.
11 p.m. — I go to bed but feel surprisingly awake. I want to read but I know I'll get sucked in and not be able to stop. Manage to resist the urge, toss and turn for a bit, eventually fall asleep, and end up dreaming about the book I didn't read.
Day three
6 a.m. — My boyfriend's alarm goes off at an unholy hour, but I barely even register it. All I notice is the vague buzzing of the sound trying to break into my comfy-ness and the fact that it's still dark outside. I'm pretty sure he showers, but either he's gotten very good at getting ready quietly or I've gotten great at sleeping through the noises, as I hear nothing.
10 a.m. — I set my alarm for 9 but inexplicably end up snoozing for an extra hour. Prat about on my phone for a bit, then get up. Breakfast is oats and SAD light (again) while watching Friends. Then, I decide I'm going to work on my book. Technically, it should be a freelance day, but I'm waiting on work requests from my clients so I don't have any projects to work on right now. I could (and probably should) use the time to look for other work, but I'm feeling in the flow with my novel and want to try and power through as much as possible. I'll make up for it with an extra day of freelancing next week.
12 p.m. — Quick break to speak to my nan. She rings up to very kindly offer to pay for my wedding dress. I absolutely wish I could refuse all offers of help for things like this, as I'm very grateful for all my family has done for me and would like to be in the position to give them something back, but unfortunately, my boyfriend and I don't have the money to pay for everything wedding-related ourselves. I try to refuse my nan's offer, but she insists. I'm very grateful and promise her a big hug at the weekend.
1 p.m. — Decide it's probably time to get dressed. I'm going out to dinner tonight with my boyfriend and his coworkers, so I decide to wear a green & Other Stories dress I got a couple of Christmases ago. I love this dress but don't wear it that much, as it always needs ironing and I'm very lazy. I get out the ironing board and whiz the iron over while I talk to my mum on the phone about plans for this weekend; we're visiting her and my dad while also checking out a couple of potential wedding venues. Then I make a bagel with vegan cream cheese and avocado for lunch, being very careful not to spill on my newly ironed dress, before getting back to writing.
2:30 p.m. — Coffee break. Dress is creased. Already. What even is the point of ironing? Urgh. Make a coffee using my Nespresso – I usually brew with a V60, but I'm out of beans so I have to go with my backup. Take a quick online survey to try and qualify for paid market research. I do these as often as I can, as you can get paid over $70 for them, which is a great supplement to my freelance income.
5:30 p.m. — Do a quick meditation, then have a ten-minute rest before heading out to get the train to Central London. Meeting my boyfriend at his office. $3.65
6:30 p.m. — It's freezing! We walk from the office to a cute, gastropub-type place that sources its meat and fish locally. Get to know boyfriend's colleagues over bread and wine, then I have a starter of halloumi and butternut squash followed by pollock. Boyfriend has rabbit mac and cheese to start, then shares a colossal steak with one of his coworkers. The food is yummy but I start to feel sick halfway through my main (what is wrong with me at the moment?), so I get the rest in a box to take home. $107.80
9:30 p.m. — We head to a nearby cocktail bar with a speakeasy vibe that is nestled among a bunch of townhouses. The fresh air makes me feel better and much less sick. I have a rum and lime concoction followed by a smoky, barrel-aged rum drink that I order mostly for the smell. Boyfriend has two of the smoky ones, followed by half of mine, as I start feeling sick again. $71.56
10:30 p.m. — It's cold and dark so my boyfriend decides he wants to Uber home. He puts it on his credit card. We get back and I remember I was wearing foundation, so I have to pay more attention to removing all my makeup. Before my boyfriend passes out, we discuss the fact that we've spent quite a lot of money. It isn't ideal, but it was a special occasion, as one of the girls who was at dinner is relocating at the end of this week and we both think it's really important to make time for friends. Plus, we don't do it that often.
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