A Week In Washington, D.C., On A $56,687 Salary

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Welcome to Money Diaries, the place we’re tackling what could be the remaining taboo going through trendy running ladies: cash. We’re asking millennials how they spend their hard earned cash all the way through a seven-day duration — and we’re monitoring each and every remaining buck.

This week a School Counselor running in Education who makes $56,687 according to 12 months and spends it on “epsom salts or malted milk powder? ”.

Occupation: School Counselor

Paycheck Amount (per month): $three,443

Housing Costs: $1,125. I proportion a two-bedroom condominium and break up hire flippantly.

Loan Payments: $491. I’m paying off about $40,000 in graduate faculty loans.

All Other Monthly Expenses

Retirement & Health Insurance: I’ve round $790/month taken out of my paycheck pre-tax for more than a few retirement accounts, in addition to $145 for well being and dental insurance coverage.

Spotify Premium: $zero.99 (trial)

Savings: $550 for the summer season. We don’t receives a commission for 2 months of the 12 months, so we need to set cash apart to pay ourselves. It’s a ache, however has made me an overly cautious budgeter!

nine:30 a.m. — I pay attention some neighbors outdoor and my roommate off the bed. I come to a decision it’s time to begin the weekend. I’m most often an overly early fowl — I like to stand up ahead of the solar and feature time for quiet, espresso, breakfast, and so on. — however I used to be up truly past due remaining evening and slept in these days.

nine:45 a.m. — Make a pot of espresso and warmth up breakfast. I’ve leftover whole-wheat banana bread crowned with peanut butter, plus an orange and a few sesame honey cashews. And espresso. I deliver it again to mattress and consume whilst I learn a couple of New York Times articles and make amends for Bravo presentations I’ve ignored this week. Not a foul begin to the day!

11:30 a.m. — Text my buddy about our plans for the afternoon. She’s my highest buddy and lives proper down the block from me, however we’ve each had busy weeks and haven’t observed every different. I’m in a position for some woman time!

11:45 a.m. — Swing through the library to pick out up the books I had on hang (a biography of Franklin D. Roosevelt and two Thug Kitchen cookbooks) since I’ve a couple of mins ahead of my buddy is able to cross.

12 p.m. — Parking is loopy the place we deliberate to head, so we detour to an area brewery we’ve by no means been to. It was once a bit of little bit of a hike however the beer was once superior. We chat concerning the e-book she’s writing and recognize the surprisingly violent work of art at the partitions. I pay. $23

three p.m. — I’m hangry when I am getting house, so I make the fastest factor I will be able to call to mind: rye toast and eggs scrambled with cheddar cheese, and hazelnut chocolate for dessert.

four p.m. — I’ve been feeling tremendous odd in recent times, roughly not sure of myself, insecure, self-critical, like I don’t even know myself or what I would like. Even although I really like spending time with my highest buddy, she is so certain of herself and assured that I every so often really feel unsteady compared. I remind myself to touch a counseling place of business I’ve bookmarked to agenda an appointment. I will be able to’t inform if those are customary late-20s emotions or if I’m truly suffering. I activate “Gilmore Girls” to convenience myself and check out to not get too wrapped up in my head. I’ve gotta get it in combination for a date this night!

four:15 p.m. — I spontaneously purchase the 1 Second Everyday app after seeing an lovely video on somebody’s Instagram tale. I do not know what to take movies of although! I suppose this will likely problem me to be inventive. I’ll get started the following day. $five.28

five p.m. — Hop within the bathe and get in a position for my date. I can’t come to a decision what to put on (see suffering emotions above) and check out on roughly 3 outfits ahead of deciding on an previous trustworthy: a black jumpsuit with a corpulent cardigan. Curl my hair and placed on a bit of make-up.

five:30 p.m. — My date is cooking steak fajitas for dinner, and I’m in command of bringing chips and salsa. I swing through the shop at the manner and get them each, plus a pack of gum for my handbag. $eight.97

10:30 p.m. — Home! I had fun at the date however am having a troublesome time understanding if I love this man and will see long-term attainable. I believe like having to suppose to exhausting about it almost certainly does no longer bode smartly. I consume a bit of extra chocolate ahead of crashing.

eight:30 a.m. — Wake up, make espresso, and toast a TJ’s multigrain bagel for breakfast. I put clarified french butter on one facet (I don’t even know what truly that is, however rattling is it just right!) and peanut butter at the different. I additionally grasp an apple. Somehow, I threw out my again between remaining evening and this morning, so I hobble round a bit of bit. I scheduled a barre magnificence thru ClassPass for later these days. If I cancel, I’ve to pay a charge of $15 so I’m hoping it feels higher quickly.

nine a.m. — I hop within the automotive to run to a couple of grocery shops. It’s an extended weekend and I wish to do a number of cooking tasks, so I want to top off and get the most efficient costs! I force 20 mins or so out to the most efficient Aldi in Virginia and get components for my recipes and a few different necessities for the week ($60.80). I additionally forestall at Target for paper towels, sponges, and a type of varied cereal packs my circle of relatives used to deliver on holiday. I’m going to make cereal milk ice cream! ($11.59) The remaining forestall is Trader Joe’s for frozen leeks, broccoli florets, parsnips, and heavy cream ($12.14). $84.53

11 a.m. — I activate Spotfiy, unpack the groceries, and get started at the base for the cereal milk ice cream.

11:30 a.m. — My buddies and I spent per week on the seashore in combination remaining 12 months, and it was once so amusing that we’re doing it once more this 12 months! I’m in command of coordinating/reserving. I ship out an electronic mail to the gang with logistics and ask them to Venmo me their proportion of the apartment, which I placed on my bank card remaining week.

1:30 p.m. — Made it thru barre magnificence with out throwing out my again. Small victories.

2 p.m. — Random lunch filled with issues within the refrigerator: a large kale salad with cranberries, goat cheese, almonds, and candy potatoes with selfmade French dressing, plus a kiwi.

2:30 p.m. — I make a batch of cereal milk ice cream (I dream of opening my very own ice cream store in the future!), with a cereal collapse to combine in. I let the whole lot sit down within the refrigerator in a single day. I’ll churn it the following day.

five p.m. — Make an early dinner of Trader Joe’s frozen cauliflower fried rice with a scrambled egg added and kung pao rooster, each crowned with sriracha. I really like that this meal crushes my takeout cravings at a fragment of the associated fee, and with extra veggies in addition.

five:30 p.m. — I’ve a shift on the eating place this night, so I bathe, get in a position, and force over there. I would like to stick house or cross out for a lager with my buddy, however I remind myself that this cash will lend a hand pay for my seashore travel! Plus, we don’t have faculty the following day as it’s MLK Jr. Day, so I will be able to sleep in a bit of.

12:15 a.m. — Home, and so rattling drained. I wash my face, placed on PJs, and head to mattress.

eight:15 a.m. — Up and at ’em! I’m feeling surprisingly motivated once I get up, so when I installed my contacts, wash my face, and brush my enamel, I do a deep blank of the toilet and throw in a load of laundry. Then directly to espresso and a comforting bowl of oatmeal with bananas, dates, chia, flax and peanut butter. I additionally churn the ice cream I made the day past and stick it within the freezer.

nine a.m. — I’m feeling stressed out about this seashore travel. I roughly want that I hadn’t agreed to it and had as an alternative faithful the cash to a brand new travel someplace other this 12 months, however I were given swept in. This was once an example once I surely can have practiced being extra assertive as an alternative of going with the glide, which is my herbal inclination. I do know it is going to be a ton of amusing when I am getting there, although.

nine:30 a.m. — Wash the large pile of dishes within the sink, then perform a little extra cooking for the week: Joy the Baker’s turkey meatballs, broccoli with garlic and olive oil, and farro.

11 a.m. — Shower and get in a position for the day. I force downtown to spend the afternoon in a couple of of my favourite Smithsonian museums, however once I am getting there I understand that is probably not conceivable. There isn’t unmarried a parking spot to be discovered for blocks! I’m nonetheless happy to force round and swing through the Dr. MLK Jr. memorial in this vacation.

12:15 p.m. — Instead of my museum plan, I take myself out to considered one of my favourite eating places for a burger and a toasted marshmallow milkshake. Seriously, it’s heaven on earth. I didn’t order fries however I believe the cashier made a mistake (or was once truly great/flirty!) and gave me some! I sit down through the window and skim my e-book, The Sound and the Fury, and other people watch whilst I consume. I depart feeling complete however glad. $13.89

2 p.m. — Call my dad at the force house and vent about feeling down. He is a smart listener and is aware of precisely what to mention.

2:30 p.m. — Take an extended, sizzling bubble bathtub with my e-book and a can of glowing water — considered one of my favourite self-care actions. I additionally spend like 15 mins feeling the emotions (learn: crying uncontrollably), however I believe much better after.

three:15 p.m. — Paint my nails and watch a couple of episodes of “The Marvelous Mrs. Maisel.” Why didn’t I get started this display quicker?! The script, cloth wardrobe, and performing are all so just right. Also, Tony Shalhoub!

five:15 p.m. — Snack on an apple, nonetheless roughly complete from lunch. Feeling fancy, I placed on two face mask in a row — a amusing, peel-off one adopted through one from The Ordinary that makes me appear to be a new child alien.

7 p.m. — Prep snacks for me and my buddy to consume; she’s coming over to observe “The Bachelor” this night. I reduce up veggies, cheese, leftover banana bread, and dad a large bowl of stovetop popcorn. I by no means watch “The Bachelor” at the evening of, so it is a deal with! I additionally surely want some social time (however there was once no manner was once I hanging on a bra and/or actual pants once more these days).

10 p.m. — I really like my buddy. She provides nice recommendation and is so humorous and supportive. We had a blast judging Arie’s awkward kisses and catching up on every different’s weeks.

10:30 p.m. — My midnight skin care regimen is already executed; all that’s left is to take out my contacts and hop into mattress. Getting up for paintings the following day may not be simple…

five:45 a.m. — Wake up and get going with the morning regimen. Put my contacts in, take note to take my calcium tablet (I by no means know if it is helping), wash my face, and so on. I placed on a pot of espresso and make my mattress, then get started hanging on skin care stuff and come to a decision on an outfit and breakfast. It’s going to be a balmy 40 levels these days after a brutally chilly weekend, so I come to a decision to put on ankle-length pants. I love to survive the brink.

6:30 a.m. — Sip on my first cup of espresso and close up my lunch for paintings. I’ve a truly tasty breakfast that I’m hoping will fill me up for a hectic morning: TJ’s multigrain bagel (half of with butter and half of with peanut butter) with two fried eggs, and a sliced pear. I additionally glance over my weekend spending on Mint, one thing I do each and every morning, if no longer a couple of instances according to day. I may almost certainly ease up a bit of bit in this, however I tension out about cash such a lot that monitoring each and every penny of my spending provides me some peace of thoughts.

6:45 a.m. — I want to depart a couple of mins early to fill my fuel tank on easy methods to paintings. I are living in D.C. however paintings within the suburbs of Virginia, so I’ve an attractive lengthy go back and forth. I simply began taking note of Jeffery Eugenides’ new brief tale assortment, so the force isn’t so unhealthy these days! $24.52

7:30 a.m. — Get settled at paintings and drink my 2d cup of espresso from a trip mug. My process is truly tense every so often, however I most commonly like it. We have a division assembly very first thing and plan for our upcoming registration. It’s just right to meet up with my coworkers after an extended weekend and get again in a regimen. There are murmurs of a conceivable snow day the following day, however I’m no longer counting my chickens!

10:30 a.m. — I take a look at on a scholar whose psychological well being I’m fearful about, lend a hand every other observe down a spare textbook from a math trainer, and reply to guardian emails. Then I meet with a brand new scholar and her dad to turn her across the faculty and communicate concerning the categories she’s going to take.

12:45 p.m. — I used to be hungry for lunch about an hour in the past, however I were given sidetracked with scholars who had to see me. Then I needed to “walk” (learn: escort) a scholar to in-school suspension. So is going the lifestyles of a college counselor! When I am getting again to my place of business, I see that my candy coworker left me her comfortable pretzel; they arrive with faculty lunches however she didn’t need hers and is aware of I really like them. I consume that during roughly 5 seconds, then transfer directly to the lunch I prepped the day past whilst I learn emails.

1:30 p.m. — I love one thing candy within the afternoon, so I’ve a small apple and a work of chocolate considered one of my scholars gave me for Christmas. I additionally make a cup of decaf espresso to sip on whilst I rush round to conferences this afternoon.

three:30 p.m. — Feeling so snacky these days! I consume a bit of slice of leftover complete wheat banana bread and a couple of crackers with cheese. I at all times pack additional such things as this in my lunchbox in case of a snack assault.

four:30 p.m. — I come to a decision to run the few miles over to my ClassPass magnificence this night, which is a spin magnificence at Flywheel. It’s no longer too a ways and most commonly downhill from my condominium — plus, parking is a nightmare close to the studio. I inform myself I’ll stroll or take the bus house if I’m too pooped after magnificence is over.

five:30 p.m. — Great spin magnificence! I depart dripping in sweat, feeling sturdy and thankful for a frame that is in a position to do loads of various things.

6:15 p.m. — Grab a loose apple at the manner out of the studio to maintain me for my stroll house. My telephone not too long ago began to spontaneously die when the elements is chilly, so I spend the quiet stroll house creating a to-do record in my head, pondering over the day, and questioning if we’ll have a snow day the following day.

7 p.m. — Get house and get started making ready vegetable pot pie for dinner! I’m the use of a Thug Kitchenrecipe, so it’s vegan — with the exception of I take advantage of common pie crust, as a result of pie crust will have to have butter in my humble opinion. I simply put it within the oven to bake when my buddy calls. We’re each good girls who love trashy truth tv, so we chat for a bit of concerning the finale of “RelationShep” on Bravo. She makes me chuckle like loopy.

eight p.m. — Take a snappy bathe, placed on PJs, and serve myself dinner. It is scrumptious! I end the evening off through style trying out probably the most cereal milk ice cream from the day past. Oh guy, is it just right. The buttery cereal collapse tears up the roof of my mouth a bit of bit, however that’s a just right drawback to have, I believe.

nine:30 p.m. — Put on my retinol cream, take out my contacts, and hit the hay, hoping for a snow day the following day.

five:30 a.m. — Wake as much as a textual content that we’ve got a two-hour lengthen. I’ll take that! I set my alarm for 7 and return to sleep.

7 a.m. — I’m unsleeping. It felt so just right to sleep in and nonetheless beat my alarm. I make a pot of espresso and a extra time-intensive breakfast: a bowl of oatmeal with chia, flax, cinnamon, half of a banana, and a scoop of peanut butter. I consume, drink my espresso, learn blogs, and take a look at my funds. I’m nonetheless ready on a go back credit score for an expensive jacket I returned per week or two in the past, however it’s no longer in but. Grr! I take a look at my electronic mail and notice that the shop is making an attempt to ship me a shop bank card as an alternative of refunding the cash to my bank card. Frustrated, I electronic mail customer support to peer what they may be able to do. I see Madewell order for a couple of denims I used to be waitlisted for went thru. (The bother of desiring tall sizes!) I were given them for a perfect deal all the way through a 30% off sale, although, so I didn’t thoughts ready. I replace my funds spreadsheet with those purchases. $59.48

eight a.m. — Start getting in a position for paintings. I’ve overtime and come to a decision to place a couple of curls in my hair. Drink another cup of espresso ahead of leaving.

10 a.m. — Drop off my stuff in my place of business, then display my new scholar to all of her categories. Go to a gathering, see a couple of scholars, and prep for issues taking place subsequent week.

12 p.m. — Eat lunch ahead of I’ve to go down to hide the cafeteria. I consume the similar issues as the day past plus an orange and carrots at the facet.

1 p.m. — I’ve a gathering at our county place of business this afternoon, so I depart faculty. On my manner I forestall at considered one of my very favourite puts: Wegmans! As a born and raised Rochesterian, it is a giant deal for me, and surely value going out of my manner throughout the Northern Virginia suburbs. I’ve plans to take myself to a film this night, which calls for gummy goodies and perhaps chocolate. I select and make a choice some favorites from the majority segment and in addition grasp a twelve-pack of vitamin root beer, gum, a large bag of epsom salts, heavy cream, and malted milk powder to make extra ice cream. Can’t forestall, received’t forestall. $20.61

2:30 p.m. — Leave the county place of business and head house. I’ve the entire afternoon forward of me! In a flash of creativity, I get started brainstorming my maid of honor speech for my highest buddy’s marriage ceremony. It’s no longer till the autumn however nice recollections and concepts popped into my mind randomly this afternoon. I make a voice recording on my telephone so I don’t omit!

three:15 p.m. — Well, crap. Apparently Aritzia handiest provides retailer credit score for returned sale pieces. I’m kicking myself for no longer checking the coverage extra in moderation, and mad that I received’t get the cash again, which I sought after to place in opposition to my better than customary bank card invoice this month. I suppose it’s just right I’ve retailer credit score, however I by no means even truly store right here. Sigh. Lesson realized.

three:30 p.m. — Dust my condominium, Swiffer the flooring, water my plant, fold laundry. I additionally pay a invoice from my physician’s place of business. I assumed I had a yeast an infection remaining month (I didn’t, thank goodness!) so my physician ordered labs that insurance coverage handiest in part lined. I attempt to have as many zero-spend days as conceivable in a month (which I’m doing an overly unhealthy process of this week). Since I’ve already spent cash these days, I determine I may as smartly take a look at off this. $38.15

four:15 p.m. — Getting lovely hungry so I consume leftover roasted candy potatoes and watch an episode of “The Marvelous Mrs. Maisel.” Take a damage to name my highest buddy and want her success on a role interview. I make a batch of malted vanilla ice cream and a pan of boxed brownies that I’m going to cut up and blend in.

five p.m. — Early fowl dinner: leftover cauliflower fried rice and kung pao rooster.

five:30 p.m. — I’m feeling a bit of cooped up and I come to a decision to get contemporary air and workout through strolling 35-ish mins right down to the Loft retailer to peer what’s new. I don’t want to purchase anything else straight away however I’m available in the market for a brand new skirt or two, a couple of labor pants, and a sweater. It’s freezing out so I stroll briefly and get my center pumping!

6:30 p.m. — Struck out at Loft, which is a great factor for my funds. I come to a decision it’s too chilly to stroll to and from the film theater like I deliberate. I’ll have to peer Call Me By Your Name over again. I head house and swing through the library to pick out up a couple of extra holds that got here in.

7:30 p.m. — When I am getting house, I churn up my ice cream, including the brownie items and a caramel swirl, and stick it in packing containers within the freezer to proportion with buddies and coworkers. Then I take a bathtub, consume probably the most film gummies I purchased previous, turn thru cookbooks, and concentrate to a podcast. I textual content my brother about coming over to pick out up ice cream the following day, textual content a bit of with a couple of buddies, and do some surfing on OkCupid.

nine:15 p.m. — In mattress studying my e-book. An early evening is excellent with me! I remind myself to make plans with buddies over the weekend; it is going to really feel just right to be a bit of extra social after an introverted week.

five:45 a.m. — Up and beginning my morning regimen. I take my nutrition, installed my contacts, placed on some serum and face oil, put some dry shampoo in my 2d day hair, and brush my enamel. Then I make espresso and pack my lunch.

6 a.m. — Do about 10 mins of Duolingo follow whilst consuming espresso. I wish to be extra in step with this dependancy — most often I’m nice for roughly 3 weeks after which I completely forestall. I’m visiting my brother in Paris in April, in order that is motivation to follow my rusty highschool French! I’m additionally attempting to be informed Spanish as a result of a large number of the scholars and households I paintings with are from Latin America, so perhaps I’ll trade which language I follow on a daily basis. I used to be taking a Spanish magnificence however it were given too pricey, so this will probably be a just right loose technique to follow.

6:45 a.m. — Easy breakfast of 2 slices of complete wheat toast, one with peanut butter and one with butter, with a pear at the facet. Get at the highway to paintings a couple of mins later than I used to be hoping to.

eight a.m. — Drink my 2d cup of espresso all the way through my first assembly of the day.

11 a.m. — This morning has been loopy tense. I’m looking to do ten issues directly (see scholars, prep for registration, make agenda adjustments, plan a child bathe potluck for a coworker) and I believe like I’m no longer making growth on any of it. I’m already hungry at 11, so I consume an orange and crackers to tide me over till lunch, and stay plugging away.

12 p.m. — Lunch is leftover veggie pot pie with a spinach salad at the facet. A short while after lunch, I consume a small apple and darkish chocolate leftover from Christmas. I replace my funds spreadsheet over lunch and skim considered one of my favourite money-related internet sites, The Billfold.

five:15 p.m. — I’ve to fulfill with a scholar’s oldsters and a trainer after faculty, which assists in keeping me there manner later than standard; it occurs. My highest buddy asks if I will be able to select her up from campus at the manner house. It’s on my manner and it’s freezing out (she hates the chilly!) so I inform her no drawback. She stops at my condominium to pick out up ice cream ahead of heading house.

6 p.m. — I textual content a guardian about tutoring her son and organize to fulfill this Saturday. The more cash will probably be nice!

6:30 p.m. — Go over to my buddy’s condominium for dinner. She feeds me leftover baked ziti and salad, which clearly tastes wonderful as it wasn’t made through me! We drink a lager and plan a possible summer season program for emerging high-school seniors. She’s a perfect writing trainer and we predict lets become profitable through doing a weeklong school software and essay bootcamp in combination. We brainstorm for some time and half-watch what could be the worst display ever made, Hart of Dixie.

eight:30 p.m. — Walk house, take a bath, and get started winding down. I style take a look at a bit of little bit of the ice cream I made the day past. It is so just right, oh my goodness. New favourite taste. I deliver my pc in mattress to observe an episode of The Real Housewives of Beverly Hills. I do know higher however each and every every so often, I give in to the urge!

five:45 a.m. — The standard morning regimen commences.

6:15 a.m. — Pack up my lunch for these days and make breakfast: multigrain toast, one with jam and one with butter, with two fried eggs and a couple of blackberries. And espresso, clearly. Check Mint, switch my Venmo steadiness to my financial institution, and skim blogs.

7:30 a.m. — Get to paintings a bit of early. Sip espresso in my trip mug and check out to judge a couple of scholars’ transcripts ahead of a hectic day of conferences. A candy scholar gave me a Starbucks reward card the day past for serving to him with one thing, so I upload that and a couple of others I had from Christmas to the app on my telephone. Easier than juggling separate playing cards which rather well may fall into the black hollow this is my handbag. Remind myself to jot down him a thank-you notice later.

7:45 a.m. — Text with my buddy who is thinking about getting bangs. I used to have tremendous complete bangs and cherished them. Seeing the brand new “Fifty Shades of Grey” trailer has made me need them once more in a large manner. The motion pictures is also problematic, however rattling, Anastasia Steele has just right hair! I take note how nerve-racking bangs may also be, although, particularly as soon as you make a decision you not need them. What to do?!

12 p.m. — My coworkers and I in reality are ready to take a seat down for 20 mins to consume lunch in combination. Miracle of miracles! I really like talking to them, however we’re all so busy that it doesn’t occur steadily. I’ve leftovers once more and I’m having a look ahead to a brand new lunch subsequent week. I consume briefly as a result of I’ve to run to every other assembly at 12:30.

1:45 p.m. — Snack on a couple of brownie items and an apple to energy me thru the remainder of my afternoon conferences.

three:15 p.m. — So happy it’s the weekend. I blast old-fashioned John Mayer at the force house (embarrassing) and believe how I’d love to spend my night.

four:30 p.m. — Change into exercise garments and opt for a stroll. It’s gorgeous out; the solar is atmosphere and it’s nonetheless within the low 50s. I forestall through an ATM to deposit money, then stroll for 30 mins or so. whilst talking to my oldsters at the telephone. This diary is making me understand how steadily I’m at the telephone! I’m satisfied to stick hooked up with family and friends who are living in other places however I understand it’s steadily a large distraction.

five:30 p.m. — Craving an enormous salad for dinner, I make one with romaine, spinach, pistachios, goat cheese, and dried cranberries. With some popcorn at the facet for an entire grain. Yum! I get started season two of The Crown.

7:30 p.m. — Finish the evening with the remainder of my gummies and chocolate, and a large glass of water. My brother comes over for ice cream and we chat for some time. He works a loopy consulting process so I don’t get to peer him steadily. He turns out so previous and mature to me!

nine:30 p.m. — Wind down for the evening, keen to complete my e-book. I’m feeling rested after a quiet couple of days, and I’m excited to have some extra amusing this weekend!

1518728949 950 a week in washington d c on a 56687 salary - A Week In Washington, D.C., On A $56,687 Salary

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