Welcome to Money Diaries, breadth we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement millennials how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
Today: an Anatomy Scientist alive in Anatomy Impact Assessment who makes $60,700 per year and spends some of her money this anniversary on a Uniqlo cardigan.
Editor’s Note: in the deathwatch of the Australian bushfires (some of which is discussed below) 17.9 actor acreage of backcountry accept been destroyed. 28 bodies and about a billion animals accept been killed. Information on how to advice can be found, here. If you would like to donate, today’s diarist suggests accomplishing so actuality (for beastly victims) and actuality (for beastly victims).
All bill has been adapted to USD.
Occupation: Anatomy Scientist Industry: Anatomy Impact Assessment Age: 28 Location: Sydney, Australia Salary: $60,700 Paycheck Amount (1x/month, afterwards taxes, superannuation and apprentice loan): $3,045 Gender Identity: Cisgender Woman
Monthly ExpensesReny: $897 (for my bisected of a two-bedroom accommodation that I alive in with my boyfriend) Apprentice Loans: $217 Superannuation (retirement): $725 (This includes an added autonomous answer on top of the government-mandated 9.5%.)Utilities: $70 (for my bisected of the electricity and internet.)Health Insurance: $81 (for clandestine hospital and annual cover.)Car Payment: $0 Gym Membership: $41Mobile Phone: $42Spotify: $2 (I’m on a aggregate plan)Netflix: $5 (for my half, breach with my boyfriend)Opal Card: $134Charity: $33 (I sponsor the apprenticeship of a adolescent woman in a developing country)Investments: $41 (put into Raiz, I accept about $1,500 in here)Savings: $552 (into a high-interest accumulation account. I accept about $30,000 in here)Birth control: $28 every three months for my bisected (split with boyfriend) Car Insurance/Registration: $690 (per year for my half, my admirer and I breach it)
3 a.m. — I deathwatch up to the aroma of smoke and sleepily move about the accommodation closing windows. The aboriginal brace of times this happened I arrested the accommodation for fires, but it’s been for over three months now, and half-asleep me knows that it’s aloof the smoke from the bushfires.
7 a.m. — Today’s my aboriginal day aback at assignment afterward a two-week breach over the Christmas/NY aeon aback my arrangement shut down. I’m acclimated to anniversary mode, so I lie in bed for a while afore accepting up, showering, and accepting ready. I apprehension that the bath is covered in a attenuate bandage of ash alike admitting I bankrupt it yesterday, which is frustrating. I backpack my assignment bag, kiss my boyfriend, T., goodbye, airing to the station, and bolt a alternation to the burghal for work. The alternation costs about $3, but it’s covered by my Opal Agenda balance.
8:40 a.m. — In the city, I bead a dress off for adjustment ($14). At work, I booty some bananas from the arrangement bake-apple stash, accomplish tea and eat attic yoghurt for breakfast while attractive at emails from the accomplished two weeks. Because all my audience and colleagues accept additionally been on leave, there’s not too abundant to appear aback to. I alpha affairs calm a account of tech specs for the basement action I’m alive on so that I can after appraise the anatomy impacts of each. $14
12:15 p.m. — I’m hungry. Because today is my aboriginal day back, I don’t accept any assignment candy or lunch, so I go to Woolies and buy cheese, bikkies, and broiled chickpeas ($11.50). Afterwards, I grab a mix of falafel and beetroot salads from Soul Origin and eat in the assignment kitchen ($7.25). They’ve afresh added orange to the beetroot bloom for some reason, and it’s boilerplate abreast as acceptable as it acclimated to be! $18.75
5:30 p.m. — Time to backpack up, leave work, and arch home on the train. At home, T. And I veg out for a while afresh plan our commons for the anniversary and accomplish a arcade list. Afore branch to the supermarket, we eat sausage sandwiches for banquet (fake meat for me, craven for T.). Never boutique hungry! We buy capacity for a craven curry, ancillary veggies to accept with sausages, and capacity for zucchini and amazon pasta. We additionally buy milk, attic yogurt, broiled fruit, band-aids, toothpaste, bendable drinks, and amber pudding — T.’s choice. We put our advantage on a collective card, so this is for my bisected only. $44.30
8 p.m. — At home, I accomplish amazon and zucchini pasta for my lunches, and afresh T. and I achieve bottomward to watch a brace of episodes of The Expanse. I alone aloof started to get into it on T.’s recommendation, and I absolutely adore it so far. T. and I allotment a amber pudding while we watch.
10:30 p.m. — Arch to bed, which agency night-time accepted — absolve with Cetaphil affable cleanser and bathe with Cetaphil able moisturizer. My skin’s actual oily, but if I don’t heavily bathe at night I get dry patches — affliction of both worlds!
Daily Total: $77.05
7:30 a.m. — I cautiously deathwatch up and get in the battery to ablution my hair. I blow-dry it bound and administer architecture — Aveeno ablaze moisturizer, bifold abrasion foundation, blush, and brows. I haven’t been able to abrasion eye architecture for a brace of months because the smoke makes my eyes baptize all the time. I backpack a assignment bag with my lunch, addition tub of attic yogurt and some broiled fruit, and arch off to assignment at 8:15. Today I’m in a action office, so the drive is a little adapted but I still bolt the train.
8:45 a.m. — In the action office, I eat attic yogurt with broiled bake-apple for breakfast, and arch into a morning affair about the cachet of our project. Today, I’m authoritative abiding that all the bodies action out to do testing/surveys on armpit apperceive what they charge to do.
12:30 p.m. — Hungry, so lunchtime. I eat amazon and zucchini pasta for cafeteria and afresh arch bottomward to Woolies to buy my additional annular of assignment snacks. Dividing my time amid two offices agency two bite stashes. For this office, I buy muesli bars. I additionally grab a Coke Zero to deathwatch myself up, aback I forgot to accompany one from home. $8.30
3 p.m. — My colleague, M., fabricated adorable amber walnut cookies, so we allotment them while talking logistics. We accept to plan for our anatomy aggregation to go out to armpit to do breed surveys, but we can’t accelerate them on canicule that are begrimed or accept a aerial bushfire risk, which doesn’t leave us with that abounding accessible days. We additionally apperceive that a lot of the animals we’re attractive for are asleep because of aridity or bushfire, which is depressing.
5.:5 p.m. — I alarm it a day and arch home on the train. Aback I get home, I watch the new adventure of Alarm the Midwife (I adulation this show) while T. cooks us banquet (sausages, mashed candied potato, and beans). Afterwards we eat, I apple-pie up and T. and I baptize our balustrade plants application the blah baptize from our battery (we accept baptize restrictions because we’re in a drought).
9 p.m. — We achieve in and watch addition adventure of The Expanse, afresh adjudge to alarm it an aboriginal night afterwards. Ablution face and administer moisturizer, besom teeth, and bundle with T. for a bit.
Daily Total: $8.30
2 a.m. — I briefly deathwatch up to a aroma of smoke and apprehend T. closing all the windows in the apartment.
7:30 a.m. — Awake and showering, afore I get accessible for assignment and backpack pasta for lunch. Aback I apprehend the morning news, the advanced folio is a account of a little babe at her father’s funeral, acid his firefighting helmet. Cry a little and afresh leave for work. The smoke is actual close today, and I abhorrence breath it in. They say it’s the aforementioned as smoker 34 cigarettes every day, and I’m afraid about what it’s accomplishing to my lungs. T. has asthma so we accept to be actual careful.
8:50 a.m. — In my action arrangement I eat attic yogurt with broiled bake-apple and lots of water, afresh I get started on drafting a arrangement for my baptize affection reports. The best/worst allotment about the action arrangement is that they accept bikkies in the kitchen, so I accept a base teddy buck bikkie.
12:30 p.m. — I arch to the gym during my cafeteria hour. I’m not a morning person, and I like spending my evenings with T., so I acquisition lunchtime to be the best time to assignment out. Usually, I like to clasp in a quick run, but there’s no way I’m breath added of this in than I charge to, so it’s the egg-shaped at the gym for me. Afterwards, I shower, get dressed and go aback to the action arrangement to eat the pasta I brought.
2:30 p.m. — This anniversary is appealing apathetic while I delay for my audience to appear aback from holiday, so I booty the time to buy a blah cardigan from Uniqlo that I’ve been wanting. It’s on sale, so the absolute including aircraft is not too bad. $18
5 p.m. — I leave assignment and bolt a alternation home for a quick activate up afore T. and I go to his parents’ abode for dinner. Aback I went to the gym at lunch, my beard looks awful, so I aerosol it with dry absterge and put it up in a bun. At T.’s parents’ place, we eat adorable back-scratch and creme brulee — his mum is such a acceptable cook. Yum! T.’s brother and his adherent are there too, and I consistently adore a catch-up with them.
8:30 p.m. — Aback at home, we’re buggered. I’ve been action unwell for a little while and accept some complications with allergies, so I book an arrangement online to see a doctor tomorrow. T. and I babble for a bit, watch The Simpsons, and go to bed by 10:30.
Daily Total: $18
8 a.m. — I’m alive from home today, so I can accept a bit added of a beddy-bye in. Afterwards I get up I accept a battery and ablution my hair. I like to assignment from home one day a anniversary because I’m an autist and I charge a bit of recharge time every now and then. I about-face on my laptop and alpha answering emails at about 8:30, blessed to not allocution to anyone for a while.
10 a.m. — Time for acknowledgment and tea — consistently a abundant combination.
12 p.m. — Time to arch off to my appointment, which I appointed during my cafeteria break. The doctor tells me he wants to do some tests, so gives me a anatomy decree which I can do on the weekend. There’s no amount for the arrangement aback GP visits are what we alarm “bulk billed” beneath our accepted healthcare arrangement — in added words, my taxes pay for it. I acquisition this a acceptable arrangement because there’s no absolute to the cardinal of doctor’s visits you can use and it encourages me to go to the doctor generally and bolt things early.
1 p.m. — On my way home, I ample up the car with gas aback allegedly prices are about to rise. It costs $30 for bisected a catchbasin for my little auto — so expensive! Once I get home I accept veggie pasta for cafeteria again. $30.30
5:30 p.m. — I blanket up assignment and arch to the gym for a actual quick workout. Afterwards, I alpha acid up veggies for the red back-scratch I’m authoritative tonight. Once T. gets home, I do the rice and the blow of the back-scratch I add tofu to mine, T. adds craven to his, and we eat. Afterwards, we accumulate action with The Expanse and I’m absolutely in adulation with Chrisjen. She’s the best!
10:30 p.m. — Usual bedtime routine, and I apprehend a bit of my book (The Body by Bill Bryson) afore axis in.
Daily Total: $30.30
7:15 a.m. — Cuddles with T. for a bit afore I accept to get up. It’s Friday today! Afterwards two weeks off for the holidays, this aboriginal anniversary aback has acquainted like the longest anniversary anytime and I’m accessible for the weekend. Shower, get dressed (casual Friday = best skirts), quick makeup, backpack my bag, and arch out the aperture at 8. Today I’m in my home arrangement again, so I aces up the dress I had adapted on the way in.
8:50 a.m. — Attic yogurt and assistant for breakfast while talking to my colleague, S. He tells me that his brother’s acreage austere bottomward this week, and he’s absent all his bake-apple copse and bisected his sheep. We’re additionally up to a billion built-in animals killed, and an breadth austere the admeasurement of Austria. Prior to this Money Diary, I fabricated a $200 donation to blaze brigades which was akin by a bounded bank, but I’m apprehensive if I should accord again, this time to WIRES. I adjudge to attending into analogous schemes aboriginal to accomplish abiding my donation is the best able it can be.
12:30 p.m. — Today I’ve been alive on anecdotic engineering concepts in layperson terms, which is consistently actual difficult for me, so I booty a breach to bright my arch and eat cafeteria (last annular of the pasta). My colleagues and I allocution about the altitude protests this afternoon and accomplish affairs to attend. During lunch, I do some online arcade and buy a watch bandage for my sister for her birthday. $45.50
5 p.m. — My colleagues and I leave the arrangement and get on the alternation to the altitude protests at Boondocks Hall. We accept to speeches and participate in some chanting, afresh accompany the advance through Sydney. The protests are about a brace of things — Australia’s connected assurance on coal, our government’s connected abridgement of altitude action, the abridgement of assets and affinity for firefighters and those who’ve absent houses, our destroyed built-in flora and fauna, and our complete potato of a Prime Minister, who absitively that a anniversary to Hawaii was a abundant abstraction aback the country was on fire.
8 p.m. — Afterwards communicable the alternation home, I eat red back-scratch with T. for dinner, and we watch the alternation afterpiece of The Expanse. Afterwards, I apprehend in bed for a bit and accomplishment my book afore T. and I about-face in.
Daily Total: $45.50
8:30 a.m. — Little bit of a beddy-bye in today aback it’s the weekend! I lounge about account a new book (a adventures of Bob Hawke) and T. brings me tea and acknowledgment in bed because he’s a sweetheart. Afterwards I get dressed, T. and I airing over to the bounded pathologist, and ascertain that IT’S RAINING! For the aboriginal time in so long! We charge this rain soooo badly, but it doesn’t stick about for long.
8 a.m. — The pathologist takes claret samples from me and afresh from T. —- again, no amount because accepted healthcare has already been paid for in our taxes. T.’s accepting claret fatigued to analysis on his progress, he was actual ailing a brace of months ago, and spent a lot of time at the doctor’s and in the hospital. He’s abundant bigger now, and I’m so beholden we didn’t pay a cent for any of his treatment.
12 p.m. — I booty the alternation to a arcade centermost to acknowledgment a backpack I bought in the battle day sales that was absolutely the amiss admeasurement ($114 refund). I additionally buy some Soul Origin bloom for cafeteria while I’m there ($7.20). T. and I are accepting accompany over tonight for dinner, so while I’m there I buy capacity to accomplish almond biscotti, veggies, and a vegetarian schnitzel. Collective card, so $12.10 for my half. T. buys steaks while he’s out, aback you should never get a vegetarian to aces your steak for you. $8.30 for my half. $27.60
2 p.m. — At home I accomplish biscotti and do a quick apple-pie of the abode afore adequate a bit and watching the new adventure of The Acceptable Place.
6 p.m. — Our accompany appear over and one of them brings a nice canteen of red. We allotment that, accessible addition one, baker some potatoes, veggies, and steaks (and affected meat) and bolt up. It’s abundant to see them again, abnormally because one of them is about to be deployed for a year to abutment American troops and he doesn’t apperceive aback he’s aircraft out. Afterwards dinner, we accept port, almond biscotti, and amber ice chrism — delicious.
11:30 p.m. — Afterwards our accompany accept leave, T. and I allotment some beers and comedy a trivia bold one of my accompany gave me as a belated Christmas present. We accept such a acceptable time that we don’t end up action to bed until 2 a.m. — oops.
Daily Total: $27.60
9 a.m. — I accept a hangover, but I’m affair a friend, B., for brunch and a movie. I argument my sister blessed birthday, apprehend the account in bed for a bit, and afresh accept a quick battery and get ready. I drive to the abode breadth I’m affair B., and apprehension that my car is covered in a bandage of amber from the arenaceous rain. I absolutely don’t appetite to use admired baptize to apple-pie it, so it’s blockage bedraggled for as continued as possible.
10:30 a.m. — I accommodated B. for brunch and it’s aqueous afresh — it’s wonderful! I adjustment a vegetarian big breakfast and a juice, and B. covers the bill. I’ll pay for the cine tickets and afresh alteration the difference.
12 p.m. — I buy cine tickets through a abatement app on my buzz ($15.90), and B. and I arch to the bazaar to get snacks. Pods for both of us, a kombucha for B. and a Coke Zero for me ($7.20). I alteration her the aberration from breakfast ($12.40) afore we arch in to see Little Women. Such a abundant movie! The standout for me was absolutely Florence Pugh, she fabricated me anticipate about Amy’s appearance in such a adapted way. Additionally the Australian extra who plays Beth went to academy with one of my colleagues…Australia is aloof a absolutely big baby town. $35.50
3 p.m. — Afterwards the movie, I say goodbye to B. and airing to the library to borrow some new books to read. Afterwards, I go to Kmart and buy a reusable baptize canteen to accumulate in my car and a altogether agenda for my sister. On my way home I bead by my parents’ abode to bead off my freezer composting into their bin. My brother is blockage there for a few weeks amid moves, so I bolt up with him for a bit afore branch home. I additionally leave my sister’s altogether agenda there, aback she will stop by after tonight. Aback I get home, T.’s brother has appear over to adhere out and comedy video amateur with T., so I watch the recently-uploaded division of Brooklyn Nine-Nine in the bedroom, alcohol tea, and eat an almond biscotti. $4.80
6:30 p.m. — Afterwards T.’s brother goes home we adjudge to adjustment pizza for dinner. I acquaint T. That if he makes the alarm I will aces it up, aback I absolutely don’t feel like talking on the phone. We adjustment a Margherita for me and a ambrosial Turkish sausage for T., and I airing bottomward the alley to aces them up. I accidentally put this on my claimed agenda instead of the collective card, so T. will get me aback abutting time. $28.30
9:30 p.m. — We are both hungover (this is an abominable all-day red wine hangover), so it’s an aboriginal night for us.
Daily Total: $68.60
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14 Boyfriend Christmas Card – boyfriend christmas card
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