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Welcome toMoney Diaries , area 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: a alum abettor who makes $13,500 per year. This week, she spends some of her money on eggs.

Occupation: Alum AssistantIndustry: AcademiaAge: 25Location: Philadelphia, PASalary: $13,500Paycheck: $1,500/month, for nine months of the year.Part-Time Nannying Job: ~$600. I larboard my full-time salaried job (where I was acutely active and underpaid) in adjustment to accompany my alum amount backward aftermost summer. To accord you an idea, my accepted take-home assets as a alum apprentice and assistant is absolutely hardly college than I was authoritative afterwards taxes at my “grown-up” job. It was a alarming risk, but I am so abundant happier and added fulfilled.

Monthly ExpensesHousing Costs: $1,000, breach 50-50 with my boyfriendLoan Payments: $0. I’m in alum academy and currently not authoritative any payments on my apprentice loans.

All Added Account ExpensesNetflix: $9HBO Now: $13Health Insurance: $98Gas: $25-$75Power: ~$45Cat Supplies (Food, Litter, etc.): $50Credit Agenda Debt: $150 minimum. It’s been a asperous year with actual abrupt expenses, including emergency vet and dental bills. Those took a huge hit on both my accumulation and my acclaim agenda balance. I’m alive adamantine to atone for both.Savings: $150 minimum

8:30 a.m. — I eat breakfast at home about every day, abnormally during the week. Today, I go for kefir with chia seeds, honey, granola, attic seeds, and a baptize of bee pollen. My admirer is a saint and consistently makes me a coffee with the Chemex, usually afore I alike get out of bed. He pours abundance into my new, reusable stainless animate Hydroflask biking mug because he knows I’ll be on the go today. Afterwards breakfast, I bead my admirer off on campus area he works as a assistant and Ph.D. student.

10 a.m. — I arrangement two canicule a anniversary as a assistant to advice accomplish ends meet. It’s a abundant gig because the hours are appealing adjustable and the adolescent I booty affliction of is actual low-key. She’s accepting over a algid and takes two super-long naps today, giving me the befalling to get account out of the way for chic afterwards this week.

3 p.m. — The ancestors I assistant for NEVER has any aliment in their house. By the time I’m done, I am fatigued as I forgot to accompany a bite with me. I run about the bend from their abode to a bounded coffee atom aback I accept a alcohol agenda there. I ample up my reusable mug and get a apparent croissant to-go. $7 (including tip)

4 p.m. — I drive beeline to campus, about 20 afar alfresco of the city, in adjustment to accomplish it to a affair for a accumulation presentation. I don’t hit too abundant traffic, but it still takes me about 40 minutes. Everyone in the accumulation is adorable and action confident.

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5 p.m. — Accession meeting. My administration is in the account stages of hiring a new assistant and alum acceptance were asked to accommodated with anniversary candidate. We’re accomplishing added vetting and giving them a students’ perspectives on action at the university. The applicant is actual absorbing — and there is additionally pizza, so I am stoked. I eat three behemothic slices, afterwards shame.

9:15 p.m. — I accomplish it home, planning to get added account done for class, but instead I do yoga and Pilates at home. I acclimated to pay for ClassPass or a gym membership, but I accept been application YouTube as my primary antecedent of concrete action for added than bristles years now; I acquisition conditioning videos aloof as able and motivating. I adulation Blogilates videos and I additionally chase a few yoga instructors. I do a 30-minute pilates video additional a quick, 15-minute yoga breeze and feel so abundant added relaxed.

Daily Total: $7

9 a.m. — I deathwatch up a little afterwards than I meant to and accept to blitz to get ready. My admirer is still comatose and I balloon to accomplish myself a coffee with my breakfast of an egg and toast. I run to a bounded alternation on my way out of boondocks for a babyish atramentous coffee. $3

11 a.m. — Accomplish it to campus aloof in time for a affair with my assistant about questions I accept on the readings for chic this week. After, I arch to the alum apprentice lounge at the library to get arrangement done on an arrangement due afterwards this week. I accompany added lentil soup with me but I’m not athirst and save it for later.

3:30 p.m. — I get home and try to administer myself to my readings for the aing brace of hours.

5:30 p.m. — I’m aback starving, so I accomplish amber rice to accept with my added lentil soup. I adulation affable and in the colder months, I try to accomplish a big accumulation of soup already a week; that’s an accessible go-to aback I’m too annoyed or active to cook. Lentil is my admired soup because it’s appealing aerial in protein and I can bandy in whatever vegetables we appear to accept in the fridge.

8:30 p.m. — My admirer gets home and we arch out on our account grocery rounds. We are both appealing captious about our groceries, so we go to both Trader Joe’s and Whole Foods every week. At Trader Joe’s, we banal up on apples, onions, garlic, ginger, peanut er, crackers, pomegranate, RXBars, amber rice, pinto beans, potatoes, and er. At Whole Foods, we buy eggs, kefir, coffee, broiled basics in bulk, bloom greens, kale, broccoli, dupe cheese, and a arctic pizza. I’ve been a vegetarian for about 14 years, but my admirer eats meat so we additionally grab veggie breakfast sausage, approved breakfast sausage, and arena beef. We breach the advantage 50-50, and both end up spending $25 at anniversary location. Afore we leave Whole Foods, we both adjudge we are hungry. I buy us anniversary a allotment of pizza. $57.50

Daily Total: $60.50

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8:30 a.m. — I accept a absurd egg, toast, and veggie bacon for breakfast and my admirer makes me a coffee. I bead him off on campus and afresh arch beeline to campus myself.

12:30 p.m. — Hunkered bottomward in the alum apprentice lounge again, writing. I absolutely abhorrence affairs aliment on campus because there aren’t any acceptable advantageous options and it’s all overpriced. I eat an RXBar and an angel that I brought from home.

5 p.m. — Exhausted, I accomplish it home and veg out, watching an adventure of Silicon Valley afore I alpha on dinner. I’m appetite carbs so I accomplish myself pasta and a huge blooming bloom with dupe cheese, broccoli, kale, tomatoes, and a bootleg vinaigrette.

5:40 p.m. — My nannying agenda confused this anniversary so the parents can accept a date night. I arch over to their place, apperception a advantageous night of account and writing.

8:45 p.m. — The babyish is in a abhorrent affection because of her algid and needs bags of added attention; my advantageous night bound evaporates. She assuredly avalanche comatose afterwards abundant back-rubbing, feeding, cradling, etc. I go bench to try to get arrangement done but I can’t acquisition the monitor, and as a batty nanny, I feel the charge to analysis on her every 30 account or so. I try to arrangement but mostly I apprehend accidental accessories online until her parents get home.

11:20 p.m. — They are backward but I don’t absolutely mind. Luckily, they annular up and accord me an added hour’s worth. I arch home, wiped.

Daily Total: $0

8:30 a.m. — I deathwatch up but break in my pajamas. I accept a big arrangement due tonight and charge to put the finishing touches on it afore I can do annihilation else. I outline the blow of what I plan to address and accomplish breakfast, added kefir with chia seeds, honey, amethyst jewels, granola, attic seeds, and bee pollen, additional a coffee.

1 p.m. — I accomplishment and abide my assignment. I’m absolutely on bend and I adjudge to do a conditioning to cut some of my stress. I use concrete action primarily for ameliorative purposes, but lately, I’ve been absorption on backbone training afterwards my admirer angry me on to kettlebell workouts. There are so abounding amazing kettlebell conditioning classes on YouTube. My favorites so far are on a approach alleged BodyFit by Amy. (This is not an ad. I aloof adulation this woman’s workouts!) I do a 30-minute video and amplitude for 10 account afterward.

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2:30 p.m. — I anticipate my new strength-training accepted has amped up my metaism because I’m ravenous. I advance dupe cheese on toast, fry up an egg, and accomplish two veggie sausages.

4:30 p.m. — I arch to campus for one of my aftermost classes of the semester.

8:45 p.m. — A few of my classmates adjudge to accommodated for beers afterwards chic as a celebratory end-of-semester shindig. I stop for gas on the way to the brewery. $15

9 p.m. — I’m so animated to accept begin a scattering of interesting, intelligent, and funny bodies in my affairs to adhere with. We allocution about the program, Ph.D. applications, and cabal theories over beers and nachos. $19

Daily Total: $34

Day Bristles

9 a.m. — I beddy-bye in a little this morning. I deathwatch up and accept peanut adulate acknowledgment with a little bit of honey and bee pollen on top. My admirer makes us coffee and I bead him off on campus.

10:45 a.m. — I blitz home, bead off the car, and hop on the SEPTA on my way to a doctor’s arrangement in Center City. I don’t accept a SEPTA agenda aback I don’t booty the alternation that often, so I buy a single-trip ticket. This is my aboriginal absolute doctor’s arrangement in over bristles years. I apperceive that sounds insane, but afore I started alive at my approved salaried job, I was on a anatomy of Medicare that fabricated it so difficult to see a approved practitioner that I abhorred activity to the doctor at all — alike in cases area I apparently absolutely bare to. Now that I buy my allowance from the marketplace, I pay $98 out of abridged anniversary ages for my advantage (after the government subsidies). This takes a big hit on my account alum apprentice budget, so I assuredly absitively to booty advantage of my PPO and accomplish a continued behind well-woman appointment. $2.50

12:15 p.m. — I arch aback home on the train. $2.50

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1:30 p.m. – I adjudge to clasp in accession workout. This time, I do a 25-minute kettlebell conditioning and a 20-minute yoga flow. Afterwards a quick shower, I am active afterwards than I anticipated. I adjudge to grab a cup of atramentous bean soup and a ancillary bloom to-go from my admired bounded café afore I arch to campus. $10 (including tip)

8:30 p.m. — Mercifully, my assistant lets us out aboriginal and I acceleration home.

9:15 p.m. — I accomplish a bite of cheese, crackers, and an apple. I cascade myself a actual ample bottle of red wine and constrict in for a three-episode affair of the new division of The Crown on Netflix. I’m such a accoutrement for a acceptable aeon piece, and Claire Foy, who plays Queen Elizabeth, is an amazing actress. My admirer gets home and we both adhere on the couch, accepting affection awning time.

Daily Total: $15

10:30 a.m. — It’s Saturday, so we deathwatch up afterwards than accepted and lay in bed chief whether to go out for brunch.

11:15 a.m. — We break in aback it aloof started snowing and we don’t appetite to adventurous the algid yet. I accomplish a breakfast bloom aggressive by my admired breakfast atom in all of Philadelphia, the Athirst Pigeon. It has a affable allowance of breakfast potatoes, veggie sausage, and absurd eggs over bloom greens with $.25 of dupe cheese alloyed in. My admirer makes the coffee and chips up a approved sausage for himself.

12 p.m. — I get a notification that I’ve awash one of my listings on my Depop shop. I’m abundantly afraid as it’s one of my added big-ticket listings — $45.50 afterwards Depop takes a 10% fee. Aback I abdicate my job, I’ve been application Depop to advertise clothes that I don’t appetite or abrasion anymore. In accession to allowance me absolve my wardrobe, I use these funds to save up for my added barmy expenses, like architecture or clothing. I am a cool careful shopper, and aback I’m not affairs acclimated or vintage, I usually try to buy myself one actual nice affair anniversary division from a artist or cast I love. (Here’s lookin’ at you, Dusen Dusen and Everlane.) The acquirement has to hit a lot of belief for it to be account my investment: seasonless, unique, and aerial affection are key. This month, however, my Depop profits are activity beeline into my anniversary allowance arcade fund.

12:30 p.m. — Afterwards “breakfast,” we are accessible to arch out of the abode to run errands. We drive into Center Burghal to accomplish a few allotment and exchanges at Anthropologie and J.Crew. Though I’m tempted, I don’t buy annihilation on my abbreviate account of anniversary gifts. I am the adverse of an actuation shopper, and I still charge to go home to apprehend reviews and analyze prices on aggregate I’m cerebration of buying. At this point, I’m eyeing an overcoat for my admirer from COS; journals and fun pens for my sisters and my best acquaintance from a bounded Philly book aggregation alleged Book Fresh; a big candle or article simple for my boyfriend’s parents; a set of appropriate Christmas ornaments for my grandmother; and a brace of blithe earrings and a candle for my mom.

2:30 p.m. — It’s snowing absolutely adamantine and we are both action blithe and cozy. On our way home, we stop at a new café in our adjacency for pastries and a hot chocolate; my admirer picks up the tab.

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6:30 p.m. — Neither of us is actual hungry, so I bandy calm salads of greens, broiled beets, goat’s cheese, broccoli, and amazon for us with a bootleg vinaigrette. Afterward, we bundle up for a cine night. I accomplish us stovetop airheaded with er, salt, and a little smoked paprika.

Daily Total: $0

Day Seven

10:30 a.m. — My admirer goes on a bagel run so we can accomplish breakfast sandwiches at home, one of my admired weekend meals. We are active low on capacity so we accumulate our sandwiches with accolade eggs, added dupe cheese, kale, hot sauce, and our breakfast sausage of best on the side.

12 p.m. — We arch to a bounded coffee boutique to affected out and get austere arrangement done. I’m action adorned and adjustment an almond milk latte and awning my boyfriend’s apparent hot coffee. $8 (including tip)

5 p.m. — Afterwards our arrangement session, we drive over to West Philadelphia to see an exhibition at the Institute for Contemporary Art. On our way home, we agitation activity out for banquet and adjudge to beat by Whole Foods (again) to aces up basics that we’re active low on: kefir, bread, eggs, cheese, and a few added essentials. We breach the total. $17.59

Daily Total: $25.59

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