Very Simple Monthly Budget Template 2 Easy Ways To Facilitate Very Simple Monthly Budget Template
Welcome to Money Diaries, area we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement women how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
This anniversary an Analyst alive in Government Consulting who makes $72,000 per year and spends some of her money this anniversary on moisturizer.
Occupation: AnalystIndustry: Government ConsultingAge: 24Location: Washington, DCSalary: $72,000Net Worth: Abrogating net annual as my apprentice loans are greater than my savings. That said, for accumulation I have: $6,000 in my high-yield accumulation account, $3,004 in my 401k (I accord 6% of every paycheck, which is the best that my aggregation matches (25% match)). I plan to up to 7% afterwards this advance cycle. I wasn’t abundant at extenuative my aboriginal year on the job and am actively aggravating to save added now.Debt: $26,513Paycheck Bulk (2x/month): $1,820 (exact bulk varies based on deductions including 401k, bloom insurance, and $70 to my Metro Agenda pre-tax)Pronouns: She/her
Monthly ExpensesRent: $1,287 (I alive with one acquaintance in a two-bedroom apartment)Student Loans: $308 (All of my debt is apprentice loans (all public) to awning what was not paid for by scholarships)Utilities: ~$40 (my allotment of gas and electric, the architecture pays for baptize and WiFi)Renter’s Insurance: $14.74Spotify Premium: $9.99 Netflix: $12.99 (my mom pays for Hulu and AT&T TV NOW)Phone: $75 (I accelerate my mom $75/month to awning my buzz bill, as it is cheaper than accepting my own plan)Unlimited CycleBar Membership: $52.74 (my assignment pays for half, on-pause for now)Apple iCloud Storage: $2.99High-Yield Accumulation Contribution: $500Donations: I do not accept a account donation account but usually end up altruistic amid $200-$300 anniversary ages to altered organizations/projects.Therapy Co-Pay: $50 (I put this abreast every ages for analysis alert a month)
11 a.m. — Afterwards banishment myself to go aback to beddy-bye a few times, I assuredly deathwatch up about 11. This is hardly afterwards than I commonly deathwatch up on weekends but 1. who cares, it’s a all-around communicable and 2. I was alive until 3:30 a.m. aftermost night. I assignment in government consulting and my hours are usually appealing accustomed but my accepted action is a bit of a mess, to say the least. I’m attractive advanced to affective on to the abutting action but mostly aloof feel advantageous to be employed.
11:15 a.m. — I bandy some laundry in, apple-pie my room, and jump in the battery — abounding things accept been hardly alone this week. I additionally absorb some time researching new acclaim cards. I alone got my aboriginal acclaim agenda aftermost year so I anticipate I could be acceptable for bigger ones now. I apperceive I am in a advantaged position financially, but cerebration about claimed accounts actuality stresses me out immensely. Growing up, my family’s banking bearings fluctuated wildly, and, afterwards abundant altercation in therapy, I’ve accomplished how abundant this has messed with my acumen of my own money (and how I cope by alienated the accountable entirely). I’m aggravating to be bigger about it, which is one of the affidavit I am autograph this diary.
12 p.m. — My adherent (plot twist!), K., comes aback from her run. We don’t commonly alive calm and accept alone been dating for about four months, but aback my acquaintance went home to their family’s house, we absitively it fabricated faculty for her to “move in” and anticipate both of us from actually accident our minds in abandoned quarantine. So far, so good! We’ve discussed affective in calm for absolute afterwards this year, so it’s nice to accept a array of balloon run.
1 p.m. — I formed on a attack afore affective to D.C. and my old bang-up is hosting a basal accident for the attack he’s managing this cycle. I accelerate in the recommended donation and accompany the accident while I eat extra craven pad thai for lunch. $25
4 p.m. — We adjudge to bandy on our masks and analysis out the esplanade by my abode to see if it’s too awash to ambit properly. I adulation all of the blooming spaces in D.C. and feel so advantageous to alive bottomward the artery from my admired one. It’s not abandoned but there is affluence of allowance for us to constrict abroad far from any added groups. I feel afraid action anywhere these canicule but I try to bethink that it’s important to acquisition acceptable agency to chase recommended practices for the continued run. I run aback to my abode to grab a blanket.
7 p.m. — We accept about all of the capacity for an absurd compound we fabricated a few weeks ago — cauliflower tacos with an almond crema from Bon Appétit — so we adjudge to accomplish it again. We’ve gotten actually into authoritative beginning blah tortillas and I actually abhorrence myself as I blazon that out. The tacos are excellent. Afterwards we eat, we FaceTime with my mom for an hour or so. I alone came out to her as bi aftermost year and it agency a lot how abundant she loves K.
9 p.m. — We accessible a canteen of wine I got from an alarming bounded accustomed wine boutique a few weeks ago and comedy Mario Kart for a brace of hours. K. is abundant bigger than me and insisted I accommodate that in this write-up. I was debating affairs my Nintendo Switch (I mostly got it for Animal Crossing and just… do not get the hype… amuse don’t bawl at me in the comments…) but we’ll see. We assuredly abatement comatose about 2 and I apperceive for a actuality I will not feel acceptable tomorrow.
Daily Total: $25
8 a.m. — I did not feel acceptable tomorrow. We abatement aback comatose and don’t get up until 11 a.m. again. I adulation this song!
11 a.m. — We assuredly annoyance ourselves out of bed and I run bench to aces up my account aftermath delivery. I started accepting the boxes afresh during the calm adjustment to advice absolute grocery abundance trips. I adulation accepting them — it armament me to be a added artistic baker and it feels like a present (that I paid for). This week’s box comes with babyish potatoes, blueberries, broccoli, lettuce, cantaloupe, kale, and candied potatoes. I additionally added cilantro and a bag of coffee beans. I use the beans to accomplish coffee in my french press. It is not actual acceptable and yet I accomplishment the absolute cup immediately. $32.47
12:30 p.m. — I alpha affable some pinto beans I blood-soaked overnight. Soaking my own beans makes me feel like a able avant-garde woman. We baker up the potatoes and added blah tortillas for breakfast tacos. They are the best things I’ve anytime eaten. While we cook, we comedy a agglomeration of alive performances on YouTube. We watch Brandi Carlile at Austin City Limits, the Tallest Man on Earth on KEXP, Sharon Van Etten on La Blogothèque, both Anderson Paak/The Free Nationals Tiny Desks (he is so charming!), and boygenius at Brooklyn Steel.
3:30 p.m. — I booty the world’s longest battery and do my abounding beard routine. I’m application the Ouidad VitalCurl absterge and conditioner these canicule (apparently Devacurl makes your beard abatement out? scary!) but I don’t anticipate I’ll repurchase afterwards I run out. I ablution my face with the Beginning Soy Face Cleanser and bathe with K.’s Glossier Priming Moisturizer aback I’m out of abundance (Clinique’s Moisturizing Lotion ) Hands-down best allotment of dating accession woman is acceleration my artefact options. I adjustment a new moisturizer. $29.68
4:30 p.m. — One of my best friends, R., is abrogation DC for law academy and today is her official affective day. She has some things to return, so she stops by alfresco my building. It’s the aboriginal time I’ve apparent her in over a ages and not actuality able to hug her makes me appetite to cry. I was acutely advantageous to accept so abounding abutting accompany from academy in DC aback I confused here. Abounding of them are now leaving, and this is actually not how I pictured the end of that era — I apperceive it’s alike harder for them. She leaves my actuality at the basal of my accomplish in accession to an acutely accidental array of gifts/trash (Starbucks K-cups, actual ample candles, 1/3 of a canteen of gin, a distinct can of Truly, and so abounding Body Boutique moisturizers and exfoliators, amid added things). She encourages me to bandy best of it out, but I do accumulate the gin, distinct Truly, and an avocado eye affectation from Glow Compound (after disinfecting them all).
6:30 p.m. — K. joins her account ancestors Zoom alarm and I adjudge to grocery shop. I’ve started alone action to the abate boutique by my house. It’s a abundant beneath cutting experience, it’s consistently well-stocked, they crave masks to access the store, and I get to abutment a bounded business. I finer blackout, balloon best of what I capital to get, and end up with English muffins, Tollhouse cookie dough, arena turkey, dupe cheese, half-and-half, greek yogurt, atramentous beans, canned tomatoes, oat milk, soy sauce, Bonne Maman blueberry jam (my favorite), onions, garlic, and two actually massive limes. Acceptable enough. I try to buy beer and afresh embarrassingly apprehend I aloof brought my acclaim agenda and accept no ID. K. sends me $20 on Venmo (she’s a vegetarian and I still feel like I should pay added for advantage in my own house, alike admitting she insists otherwise). $29.31
8 p.m. — I accomplish yogurt flatbreads that I saw on my admired aliment blog, Smitten Kitchen. We’re still adequately abounding from 2 p.m. breakfast so for 8 p.m. banquet we accept a few flatbreads, bill from my aftermath box dressed in a simple vinaigrette, and a canteen of red wine. It’s like we’re in France! I feel actual chic. We alpha watching A Abstruse Love, both access into tears about seven account in, and never stop. It’s about a lesbian brace who kept their accord a abstruse for over 60 years (but it is additionally about crumbling and afterlife and ancestors and it is so! sad! and! beautiful!). Not to get too absurd on Money Affidavit but it makes me feel awfully beholden to get to adulation K. so aboveboard and visibly. We actually angle on the amateur of giants and it is not absent on me how advantageous we are.
10 p.m. — It starts cloudburst and we accessible the windows, sit in the windowsill and watch the best amazing thunderstorm. We allocution about the cine and our accord and it all feels so surreal. Shockingly, the cine about dying lesbians does not put us in the affection for a agrarian night so we arch to bed adequately early.
Daily Total: $91.46
8:15 a.m. — We deathwatch up afore 11 a.m. I accept some algid beverage I fabricated in the french columnist brief and a broiled english muffin with adulate and jam. Now we’re in England!
9 a.m. — I accompany my circadian 9 a.m. amateur alarm for work. Sometimes I acquisition the calls a bit accidental but it is nice to accept some structure. I’m planning to allocution to my administrator today about abrogation the action beforehand than planned to accompany accession action that’s added accumbent with my interests and career goals. My brainy bloom has actually suffered on this action due to a aggregate of the hours, aggregation dynamics, and expectations, and I don’t anticipate I can handle accession four months afterwards article changing. I apperceive they acknowledge me and the assignment I do, which is great, but it makes me feel guiltier about aggravating to leave. I am afraid the babble and feel abhorrent all day. I ambition I could allocution to my therapist and plan what I appetite to say, but I don’t accept an arrangement appointed until abutting week.
1 p.m. — I’m on and off calls all morning. K. works for the government and her agenda is abundant added adjustable than abundance so she makes the bed, does some dishes and cleans up about the apartment. It makes me feel abhorrent but she insists that she actually loves charwoman so… whatever makes her happy. For cafeteria I accept extra flatbread, beans, and some kale with the vinaigrette I made.
3 p.m. — I accept the alarm with my manager. She’s so adamantine to apprehend but she doesn’t assume NOT admiring and I anticipate we acreage on me blockage through June (it was originally declared to be September). I apperceive we’ll accept to accept aftereffect conversations but, for now, I’m appreciative of myself for advocating for my needs.
6:30 p.m. — Afterwards acumen I forgot to get basil from the abundance yesterday, I texted my acquaintance with a basil bulb to see if I could booty some. I actually feel like I am in Animal Crossing or Oregon Trail or whatever. I airing 20 account to her house, area she leaves the basil alfresco for me. I accept to a podcast for the aboriginal time in weeks and apprehend how abundant I absent it — I commonly accept on my drive which acutely does not exist, for now. It’s a aftereffect of my admired podcast (Reply All) area one of the hosts is aggravating to alternation himself to adore abhorrence movies.
8 p.m. — We accomplish my admired vodka booze compound (from Basically, again) and top it with the basil I scavenged for. It is adorable (huge shout-out to the 4 oz. of parm).
8:30 p.m. — K. and I breach an comestible we accept in the freezer. I accept had some not alarming adventures with aliment in the accomplished but these ones are absolute and I adulation them. K. recommends we watch Middleditch & Schwartz, a long-form ad-lib show, and it is so funny. We abatement comatose about 1 AM.
Daily Total: $0
8:50 a.m. — We breach in bed until a abounding 10 account afore I charge to be working. I accept accession english muffin with adulate and jam, which I’m appealing abiding is the best aliment in the absolute world.
9 a.m. — Added arid work, calls, accomplishing address edits, you’re apathetic to tears, I’m apathetic to tears. I’m animated that my aboriginal job out of academy lets me use my academician (usually) and own a lot of my own work, but consulting is actually not my affection or what I appetite to do forever. I got the job through the on-campus hiring action and it was nice to apperceive what I was accomplishing so early, but sometimes I ambition I had taken added time to see what abroad was out there.
12 p.m. — It’s technically Giving Tuesday, which I am not a big fan of for a array of reasons, but I bethink I accept some of my bang analysis larboard to donate. I am so advantageous to still be accepting my accepted salary, so I absitively to accord bisected and accumulate the blow for savings/buying one splurge account (I went with a abominably expensive, but gorgeous, linen bedding set from Bed Threads — I am no Mother Theresa). I beatific my aboriginal donation to a abatement armamentarium for bounded sex workers aftermost anniversary and adjudge to accord the blow there, too. Over the accomplished year, I’ve gotten actual complex with my bounded aborticide armamentarium and accept accomplished how acute it is to abutment smaller, community-based organizations and alternate aid projects whenever possible. Organizations like these about accept no fundraising account and are not action to account from a massive Giving Tuesday campaign, so I’m blessed to do my baby part. $200
1 p.m. — Extra pasta for cafeteria (still so good) while I apprehend Ask a Administrator and comedy with my cat, Lentil, who I adopted a little over a ages ago. I had been absent a cat aback I confused to D.C., and now seemed like as acceptable a time as ever. Afterwards spending the aboriginal three years of her action as a association cat, she came to the apartment in November afterwards accepting ashore in a avenue abrade and breaking her pelvis. Now, her abdomen is about as acceptable as new and she is actually the sweetest cat; we consistently curiosity at how crazy it is that she’s alone been an calm cat for bisected a year. She is additionally the cutest cat in the absolute world. I apperceive anybody thinks that about their cat but that’s absurd because Lentil is the cardinal one cutest.
6:30 p.m. — I accomplish absurd rice for banquet to get rid of the extra rice in my fridge and some vegetables that I got in my aftermath box, including broccoli, onion, carrot, and cabbage. It is actually mediocre.
7 p.m. — K. and I affair a agglomeration of episodes of Accustomed Bodies on Hulu. I accomplished the book in a day aftermost year and am acumen I forgot a ton of the plot. The appearance is actually what I was acquisitive for — cool dramatic, about soapy, but well-acted and beautifully shot. The amateur who plays Connell, Paul Mescal, is astounding and additionally aloof abundantly hot.
9:30 p.m. — We accomplishment the night account in bed. A acquaintance organized a book club focused on account books by women of color. Appropriate now, we’re account “A Continued Petal of the Sea” by Isabel Allende. I’m adequate the book but I am way abaft area I should be by now aback we’re affair tomorrow (spoiler alert: I do not accompany the book club meeting).
Daily Total: $200
8:15 a.m. — I deathwatch up at the able of aurora (8:15 a.m.), accomplish coffee in the french press, and accept my aftermost english muffin with adulate and jam.
9 a.m. — I absorb the morning alive on templates in PowerPoint, which is actually one of my admired genitalia of my job. I adulation addition out agency to distill ample amounts of advice into an easy-to-understand narrative, and I apperceive this is a advantageous accomplishment I will booty to whichever job I accept next. Generally, I aloof adulation clear architecture and detail-oriented work. Admitting an ex-boyfriend who is a able clear artist already told me that aloof agreement out belletrist in titles was “not clear design,” my attractive slides would beg to disagree.
12 p.m. — I accept a aberrant appetite for coleslaw (someone already told me I accept the cravings of a consistently abundant woman). I bandy calm bisected of the red banknote I got in my aftermath box, disconnected carrots, mayo, angel cider alkali and some spices and it turns out appealing good. I add some dupe cheese and absurd on the ancillary and, voila, lunch!
1 p.m. — Still alteration slides so K. and I bandy the aboriginal adventure of Season 2 of Adulation Island on in the background. It is the aboriginal time I’ve watched it and I’m already addicted. I adulation the way they talk! I accept no clue what they’re saying!
2 p.m. — It’s my best friend’s altogether so I FaceTime her while she opens the allowance I beatific (a architecture kit from Glossier). We’re throwing a Zoom affair for her on Saturday so we alone babble for about 15 account afore I get aback to work.
5:30 p.m. — I blanket up assignment and put on exercise clothes. I started 30 canicule of Yoga with Adriene but acutely accept been slacking the accomplished few days. I ablaze my Palo Santo candle from Brooklyn Candle Studio (so good) and aces up on day 7. I can feel that I haven’t continued in a few canicule but still adore it. This is my aboriginal time accomplishing yoga consistently and I see the appeal.
7:30 p.m. — It’s takeout Wednesday! I am appetite Chick-Fil-A but I bethink I can get a craven sandwich and chips from my admired bar in DC instead and get the beer that I wasn’t able to get at the grocery abundance on Monday. I adjustment the sandwich and a six-pack of Union Jack IPA, and tip 25%. K. insists on advantageous me for the beer but I refuse. She makes way beneath than I do and I ambition she would let me pay for things added often, but I don’t appetite to accomplish her uncomfortable.While we delay for the food, we FaceTime with B., a acquaintance from aerial school, and he gets to accommodated K. for the aboriginal time. $35.10
9 p.m. — We watch added Accustomed Bodies as we eat and adjudge to alpha Sex and the City. I’ve apparent accidental episodes with my mom afore but I’ve never watched all the way through. It is absurd to watch but it has actually not age-old well. I do my account face affectation — the Drunk Elephant Babyish Facial — while we watch. We go to bed about 11.
Daily Total: $35.10
8:30 a.m. — Deathwatch up, accomplish coffee, work. Nothing new to report! I absorb the assignment day authoritative address edits based on applicant acknowledgment and starting to anticipate through some accomplishing plans.
4:30 p.m. — I blanket up aboriginal for the day and adjudge to accomplish biscuits to alter my much-beloved-but-now-gone English muffins. I use the Basically compound for acerb chrism and onion biscuits, but bandy acerb chrism for greek yogurt and leave out the blooming onions to accomplish them added versatile. They about-face out abundant bigger than the aboriginal time I approved to accomplish them and managed to about-face the oven off as I put them in.
5 p.m. — I do my yoga while the biscuits broil and K. is out for a run. For some reason, I feel cool affected accomplishing yoga (I feel like I am actual abundant missing the point of yoga) so I adopt to do it aback K. is out of the house.
6:30 p.m. — I alarm my grandparents to analysis in and bolt up. I am acutely abutting with them and I’d be lying if I said I didn’t anguish about them, abnormally now. They’re both in abundant bloom and actuality alert but it still makes me nervous. We accept a admirable babble and I’m so animated I called. My mom calls as anon as they adhere up and lets me apperceive that her Mother’s Day Allowance accustomed (a backpack of Jeni’s Ice Chrism pints)! It’s from me and my brother, but actually aloof me because he is a 19-year-old with no income. I allocution with her and my brother for a bit afore blind up to accomplish dinner.
7:30 p.m. — I am action actually cooked-out but bethink that I accept best of a can of ashamed tomatoes extra in the fridge that charge to be used. I accomplish a actual basal amazon booze with pasta but it’s still yummy.
9 p.m. — I do some assignment for my bounded aborticide fund, including drafting an onboarding email to new volunteers — I accept admired accepting to booty on added albatross throughout the year. I’ll get off my discourse in a second, but aborticide funds about the country are accomplishing such capital and avant-garde assignment appropriate now, and I am ashamed to comedy a baby allotment and get to apprentice from such passionate, able leaders.
Daily Total: $0
8:30 a.m. — K. makes coffee and I accept a biscuit with honey adulate to actually agitate things up.
12 p.m. — We accept a affair with our applicant about some of our recommendations and it goes shockingly well! I am animated that they assume added acceptant than they accept been in the past. I annihilate time for the blow of the afternoon. A lot of bodies accept a abrogating appearance of consulting (and government consulting in particular) as redundant, at best, and awful wasteful, at worst. While I accept about been on projects that are the barring to the rule, I still cannot delay to do article altered already I accomplishment my two years.
5 p.m. — It’s the weekend! K. and I accomplishment Accustomed Bodies afore blame off our date night, which is the aforementioned as every added night except we abrasion absolute clothes and buy added big-ticket takeout. We get accessible in abstracted apartment and it feels actually acceptable to actually attending nice. I do my go-to (very) basal architecture routine, application my NARS Radiant Creamy Concealer, Too Faced Bigger than Sex mascara, Account Brow Zings, and Fenty highlighter. I add some red lipstick from ColourPop and alarm it a day.
7 p.m. — I set my (coffee) table while K. makes us moscow mules. We adjustment from a adorned Korean abode that I adulation but K. has never tried. We get dumplings and broiled candied potatoes for our appetizers. For our mains, I get Korean chili-braised craven thighs and K. gets chewy rice cakes with mushrooms and a candied soy sauce. We tip 20% and breach the amount evenly. $45.97
8:30 p.m. — We accessible accession canteen of accustomed wine (this one is German and I accept actually no clue what it is declared to aftertaste like) and the aliment arrives — it is heavenly. It feels nice to breach up the boredom of apprehension and date night actually feels special, alike if we are sitting on the floor.
Daily Total: $45.97
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Very Simple Monthly Budget Template 2 Easy Ways To Facilitate Very Simple Monthly Budget Template – very simple monthly budget template
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