I’m not as exciting as other people and I’m sorry about that! I know I don’t have a cool career and have all these crazy accounts with money tucked away but hey… I’m just a person living a life. :)Also, warning. I’m REALLY wordy. Sorry.BASICSJob: Currently unemployed. I don’t plan on looking for a job until 2021 lol. I was previously working at a hotel, but due to covid I got laid off and have been coasting just fine on unemployment, tbh. If I wasn't living with my bf, I’d probably have looked for a job to survive since NYC rent is not normally as cheap as mine (you’ll see later) or, I would’ve moved back home to Cali to be with my family.I’m also currently a full time student at a CUNY- I have been for about 3 years (taking a semester off here and there) but this year I’m really trying to get my shit together. I don’t really know what the future holds for me, but I might as well just try and make some sense of my freetime... right?MONEY SITCHChecking account balance: $607.83Savings account balance: $17,418.58. I’ve never had this much in my life. It’s mostly due to being laid off- I’m not leaving my apt thus no more wasting money on going out to eat and drink - that’s hospitality life, for you - and those extra payments… man, I wish they were still coming… lolCredit card debt: $2,609.62. I used to get grants before I started making too much at my job last year (my first two years of school were totally free!), so this semester I didn’t qualify for any grants at all :( This year, I put my school payments on my one and only credit card. I have two store credit cards - TJMaxx and F21, but those are $0 balance right now from not being used. I’ve been thinking about getting another credit card, but can’t tell if that’s a good decision or not.Student loan debt: $5,499 from the stupid beauty school I dropped out from when I was 19. Look, I didn’t even want to go to beauty school, I just thought I had to because I wasn’t in college lmao. I have been deferring it for yeeeeaaars. Idk - Should I start paying it off? Should I just keep deferring it since I plan on continuing more school anyways? I dunno. When I dropped out of it, the financial lady threatened to send me to collections.I told her to do it. *SHRUG* I couldn’t afford jack shit back when I was 19, and she wanted me to pay them $600 a month LMAO. It’s been 6 years now, haven’t heard from you yet Karen!When I was working, my job didn’t offer anything for retirement that I know of...but I mean, I’m also young and stupid af and had never thought about saving really, until this year when shit hit the fan. I’ve learned a little from this subreddit but I’m still incredibly intimidated. Should I do a Roth IRA thingy while I’m unemployed? Should I wait to get a good job and see what they offer? Man fuck if I know shit. I’m scared. Lol.Main Job Monthly Take Home: For unemployment, every Wednesday I’ve been getting the max you can get in NYC, which is $441. The extra payments before have helped, but I’m also used to low payments because of slow seasons at my job - being a bartender can really be high or low, and you have to learn to manage your expectations around that.Side Gig Monthly Take Home: I occasionally sell my clothes on instagram, but it’s nothing much. Max ~$50 or so every month or two. I’ve been looking into expanding it more seriously (on depop, or poshmark) because I’m a clothing hoarder! I’m just afraid I won’t get any traction and no one will notice my listings. :(My partner has been a full time student for a while too and has always made less (or none at all), money than me. He doesn’t like working while being in school, and his mom supports him a lot. His mom doesn’t always charge him for rent, but does charge me... shrug, that’s her baby I guess. He’s recently employed part time though so we’re working on making it fair and square. He does his part in the phone bill and some groceries, but he could be much better imo. I want us to save and take advantage of the cheap rent, but I also am feeling too old to be living with my 27 y/o bf and his mother. I’ve told myself this is the last year for a trial run in adult responsibilities. If things don’t improve, I may have to start thinking about my own future and stop being complacent…MONEY DRAINERSTransportation: My s/o and I do use a car, but it’s actually his mother’s, so we don’t pay anything for it except we do pay for gas and the occasional checkup. Gas every month would be about $40. Pre-pandemic, I paid for a weekly MTA unlimited card which cost me $33. I haven’t gotten on the train since March, and we only use the car to get groceries once every week.Rent: I live in a 3 bedroom co-op apartment with my s/o, his mom, and his sister. We pay her for the room, which is $350/pp. She wants me to be able to save so doesn't charge me much extra unless she really needs it. The apartment is very affordable for NYC - heat, water, gas, trash is not charged, only electricity.Health and dental: Pre-covid I was on my job’s benefits, which took about ~75 a week from my checks. I just got approved for Medicaid, so that’s $0 for however long I have it.Cellphone: My share of the phone bill is $110.Spotify: 9.99Hulu: 11.99Amazon prime (student!): $59/yrGym membership: $20 for the local gym. I did go like twice in September, but I got kind of freaked out by everyone wearing their masks below their noses in there...Playstation Plus: $59.99/yrPlaystation Now: $99.99/yrNintendo Online Membership: $19.99/yrCosmopolitan magazine: Amazon had some black friday deal last year for a year subscription for $2.99 an issue, so I said fuck it why not. I like reading them.Pet expenses: His mom has a cat, we do buy him food occasionally. ~$20I do occasionally play video games so there are expenses in that but not often. I’d say about $100~ or so a year for video games (I try to buy on sale only). Pre-covid I was all about my lash extensions, which ran me about $120 every two months. I’d also maybe get my nails done a few times a year, usually about $70 or so each time. I’ve been extremeeeely tempted to get my lashes again...but like, for what? I’m not goin nowhere!A WEEK IN MY LIFEMONDAY 10/1910:30 AM || I wake up feeling a bit ambivalent. It’s my birthday and meh. I can’t believe I’m in the 25-34 age range now. Ugh, I’ve been dreading this day for weeks, being away from family and friends, but try to remind myself that it’s really just another day… My bf’s sister sees me heading to the bathroom to shower and asks if I want breakfast ordered. I say ummm yes, and ask for chocolate pancakes and bacon.... I’ve been on keto for months. Oops.12:00 PM || I haven’t had carbs in a while! But I do feel disgustingly full. Boyfriend has plans to take us to dinner at 5:30. I hope my stomach isn’t still bloated by then. My bf gives me his gift which is an Ancestry DNA test. It’s been my top gift for a while! I can’t wait to see my results, but kinda creeped out to send a company my saliva lol. My best friend facetimes me because she wants to see me open the presents she sent. She lives only 40 minutes away in another borough, but we haven’t met up in months because she has heart problems and doesn’t want to risk it. She got me a few books, tons of cute Japanese cookies and candies (not keto, this bitch! lmao!) and a lovely lavender bathsalts set that includes a lavender candle and some margarita cocktail mix. It’s cute! I’m just bummed because I usually go for dinner with her and get margs instead! :(2:00 PM || I’m doing some studying for my statistics midterm when my boyfriend drops a ton of boxes on our bed. A barrage of gifts assaults our apartment. My bf calls me the ~ Princess of Amazon ~. I tear into all of them, wondering who got me what. I get a ton of gifts from various cousins of mine. I get a gift from my brother and his wife. I send them all a thank you message. I also get a check from my aunt and uncle (my defacto parents) with a card that makes me cry. “Wish I could hold you again like I did 25 years ago”, my aunt writes. UMMM. I’m CRYING?4:30PM || I’m putting on makeup like an stupid idiot for my dinner. I realize I’m gonna sweat under my mask, I just never put makeup on anymore and it’s just a reflex to do it when I go out somewhere. I look cute. I take a birthday selfie and post to my instagram, saying I just turned 18… what? No one’s gonna know. :laugh:5:30PM || He surprises me by taking me (and his mom and sister) to a hibachi place! I kind of figured it would be that because I had been dropping hints prior to the pandemic LOL. I was just surprised they were even open for indoor dining, but it’s completely empty, we get an entire table to ourselves and there’s only one other party dining on the other side of the restaurant. I order filet mignon and chicken and a glass of prosecco. OMG so good. My suspicions were true: I’m still so full from the pancakes AND the flames from the grill have melted my face makeup off. I box up half of my food. I eye the bill and feel incredibly guilty. ;(7:00PM || I tell them I don't want a cake this year (remember keto? The diet you’re on….?) but then I decide I wanted frozen yogurt as I haven’t had it in months. Even though I’m full. Yes, something’s wrong with me. So, we drive to the froyo place and I eye the froyo cakes they have. Interesting….oh, where was I? Oh yea, froyo - I get - well, his mom gets me - plain tart (the best and ONLY good flavor, we can fight about it) with mochi and boba.9:00PM || We watch a scary movie together as a family (the Ritual on netflix) and I can’t finish my froyo. Why do I do this to myself!! I put half of it in the fridge. Keto has truly snapped my stomach in half lol. I’m exhausted by this point and say goodnight to everyone. But.. I lied. I stay up on my phone until like, 2 am and drink almost an entire bottle of rose until I pass out.DAY TOTAL: $0!TUESDAY 10/2011:00AM || I wake up alone, groggy, feeling the after effects of the enormous amount of sugar and gluten I’ve consumed. R e g r e t. I have the whole house to myself for once and I walk around in my bra. This is freedom.12:00PM || My stomach and my ass are asking me what I’ve done to them.1:00PM || I’ve finally showered, done my skincare routine (finally have settled into a new one- a gigantic multi-step Asian one) and chowing down into my hibachi leftovers. I laze around catching up on my youtube subscriptions before I decide to study a little bit before my midterm that’s due today. Yep. Today. I’m the queen of procrastinating.3:00PM || My bf and his mom come home from their respective jobs and I’m in bed, still studying, tearing my hair out! I ask him a few questions about stats but he took it a long time ago and he only passed with a C-. I start crying (literally) over how bad I am at math and break down and purchase a Chegg subscription. $21.725:00PM || By this point all 3 of us are huddled in the living room working on my stats midterm together. She’s a teacher but doesn’t remember some of the stats stuff. I swear at the midterm a few times and take a few laps to shove cheese into my mouth.7:00PM || I’m almost done with the midterm by this point yall and I’m asking God to just please let me pass with a 65%, I don’t care. I’m thankful I got the Chegg - it’s really helped me, but STILL somehow I’m doubtful I’d land an 80% or higher…. I pass with a 70% and I literally start crying again lmfao. I hate math guys. Do not even try to talk STEM with me.10:00PM|| I laid curled up in bed for a few hours traumatized by my midterm, mindlessly scrolling through TikTok. I’m hungry again and think fuck it I’ll have some noodles. I make two packets of Indomie Mi Goreng ( the best packet noodle on the market! ) and feel….disgustingly bloated. WHY?? DO I DO THIS TO MYSELF LOL12:00AM || I have a strawberry poptart because I hate myself. It’s good tho.3:00AM || Tiktok and bed =)DAY TOTAL: $21.72WEDNESDAY 10/2111:00AM|| I wake up feeling hungry… damn. Before my birthday I was only eating from 2pm-7pm for months, feeling not even one bit hungry until the afternoon, and it looks like just a few days off track really sets your body back :( I decide I’m going to fast and eat only dinner to undo all the bad I’ve done to my body. Yeah! I’m gonna feel so ~cleansed~ and get back on track to losing weight, it’s gonna be great… I’ll just shower and do some homework in the meantime….12:00PM || I check my bank account. Pay day! WooOOOoo! That $441 is starting to hit different now that I’m without the extra payments lol… I put $100 into savings and sadface my checking account. :(3:00PM || I order steamed dumplings and crab rangoons from the Chinese place……. I hate myself but also I’m so excited I haven’t had dumplings in moooonthssss…. $12.50 with tip.5:00PM || I catch up on some more homework assignments and I get a late delivery to my apartment! It’s a massive order I made from ChocZero. Keto, sugar free chocolates in many varieties- milk chocolate, dark, peanut butter, white…. I try one and it’s good. I put it up on the highest cabinet so I can’t demolish the box in one sitting.7:15PM || I have PASSED OUT in the dark of my room. I blame the Chinese food. It was so good but made me feel like a dumpster truck. I groggily turn on Zoom so I can attend my Sociology class. It’s awful. No one turns their camera on and he doesn’t really talk about anything, but it’s an easy A and I can just watch some youtube videos in the background. Eh, I never claimed to be studious.9:00PM || I eat a strawberry pop tart. DAMN IT. Damn it. My bf reminds me our phone bill is almost due, and we should go ahead and pay it. I pay my share, which is $110.00.2:00AM || I remember I’m all out of my favorite bottles of Japanese green tea, so I order a 12 pack of it on Amazon for $12.99. And now time to scroll on TikTok until I pass tf out.DAY TOTAL: $135.49THURSDAY 10/2211:30 AM || I wake up and decide today I want to fast and eat one meal to reset my body into keto. It’s just so hard when you start shoveling carbs back into your boy, but I have a goal to lose 20 more lbs! I can do this…2:00PM || I shower, do some homework and am relaxing with some Emily in Paris. I like it. I thought I was going to hate it but I like it and I want to be surrounded by hot French guys now. I download Duo Lingo and feel Parisian as fuck. Fun fact: I attended a private French school for one year as a kid… why did I stop going!?3:30PM || I decided to order some takeout because Grubhub gave me a 25% discount and I’m feeling extra lazy. I order my boyfriend a meal and myself a big ol’ tuna salad I prob could’ve just made at home. $28.004:00PM || My boyfriend comes home from work and gets me a Pumpkin cold brew to try. I take a sip, lick all the sweet foam and promptly throw the rest out down the drain. I’m disgusting, I know. I only like coffee if it tastes like pure sugar and diabetes.6:00PM || I take a walk to the gas station because I want some ICE drinks- you know, the sugar free soda drinks? I’m sure they’re not great for you but they do scratch my itch for juices. I buy a few for $6.00 and chug on back home. I like going for walks, actually, I’m just so fucking lazy to get off my damn ass lately.9:00PM || I taken a nap for a few hours and wake up just in time to watch the debate! I get a few sugar-free chocolate peanut butter cups and chow down on them with my ICE orange-mango drink. The debates were actually quite boring… I guess we are so used to the crazy and the drama that a somewhat normal debate is no longer riveting. Or is that just me? It’s probably just me. Also, I’m afraid Trump is going to win. I’m a pessimist.11:30PM || I get a raging headache and it’s probably due to lack of dehydration and sugar withdrawal. I’m telling yall, this shit is craaaaaaaaaaack. I should’ve never gone off the deep end, but eh. I take two advils and lay in bed, watching some NYC food crawls. I’m just always dreaming of my next food adventure…3:00AM TIK TOK UNTIL BEDDAY TOTAL: $34FRIDAY 10/23:11:00AM || Woke up feeling really groggy. I had some bad dreams and just couldn’t wake myself up. It’s weird waking up alone, now that my bf is working again. For the past few years it’s been me waking up at 4 am and working, or on my days off he’d still be sleeping when I woke up on my days off. I never get the house to myself because he’s always here, and now he’s actually gone. It feels good, but weird.12:00PM || I shower, make the bed, light some candles and get ready for a zoom appointment with my advisor. I get so antsy talking about the future when it comes to college. She keeps asking me what I want to major in and I say I just don’t have a fucking clue. No clue. She says if I don’t have an idea, then I just need 3 more classes to transfer out after spring, and I can decide what I want to major in when I get into an uni. I should feel relieved, right? But somehow I don’t. I feel angry and upset with myself for not knowing what I want to do.1:30PM || I get a little package from Romwe.com. I had ordered a few sweaters and a purse. All really cheap. My favorite is a Powerpuff girl sweater with Blossom on it. So cute and cozy!3:00PM || I get cozy to do some homework in bed when my brother calls me. He doesn’t call often so I make sure to be available when he does. He’s calling to say he wants to visit next month! How exciting.4:00PM || I’ve talked to my brother for a while now, planning on what to do and where to go. I called my old job and they even offered some good discounts even though I’m no longer actively employed. Awwwww that’s nice. I hope they don’t try to call me back to work tho. Lol5:00PM || I haven’t eaten all day...it totally just slipped my mind. Fasting is coming back faster than I thought it would, and honestly? I feel great, better already. I feel clear, alert, and like my body isn’t completely in shambles. I’ve learned from my “cheat” days that gluten is truly a legit allergy and I feel awful eating it. Sugar is ok in small doses - but gluten? The DEVIL. I make a meal which is just some low carb chili and some sugar free chocolates.8:00PM || More sugar free chocolates. I finish The Haunting of Bly Manor with my bf, he cries, I don’t, it’s just okay to me??2:00 || The usual TikTok before bed!DAY TOTAL: $0SATURDAY 10/2412:00PM|| I wake up a bit late but excited today, so I rush to shower and get things ready to go shopping. I have a plan to go to a few stores today - mainly TJMAXX. I've been inspired by some random girl on TikTok with a crazy bath routine and I've run out of bodywash.2:00PM || My bf drives me and his mom (who has decided to join me) to the shopping center 15 min away. He drops us off and tells us to call him when we’re done...which will likely be a few hours.3:30PM || We finish shopping at TJMAXX.. I score some Philosophy body gels, a ton of candles (one smells exactly like Thanksgiving stuffing, idk why I got it but I couldn’t NOT), and some food items like a coconut curry aioli! I’m not even in the phase of my life where clothing interests me, I love home stuff so much. I charge it to my store card. $77.864:30PM || I lied. I went to 5 Below and got some pink camo pajama pants among some other junk. Sooooo soft and cute. I’m living my Cadet Kelly/Cheetah Girls dream in these. $34.165:30PM || We go to Aldi’s as our last stop and I pick up a ton of stuff I need. The essentials like onions, garlic, salmon, limes, eggs, lettuce...but I also see some crazy Halloween themed cheese (Pumpkin spice cheese?? Frankenstein sage cheese?) and pick those up too. $88.177:00PM || I’ve made some Vietnamese caramelized salmon for all 3 of us, it’s delicious, and just in time for me and my boyfriend to hop on to our Dungeons and Dragons party. We play every Saturday, though sometime I look forward to it and sometimes i don’t. It’s too long sometimes, but I do love the roleplaying to it. I'm a mischevious, happy, Slavic (think Draculaura from Monster High) elf rogue who was a acrobatic, part of a traveling circus.11:00PM || Dungeons and Dragons is over and I just zone out watching some youtube and reading some of my history 101 book, until I fall asleep.DAY TOTAL: $200.19SUNDAY 10/2511:00PM || I wake up and shower, getting ready to prepare the house for the party we’re having today. It’s just a small family gathering for his Grandma who is turning 80. She lives a few floors up in the same apartment and has dementia, so it’s important for these small gatherings to happen because she’s suffering from being alone so often.1:00PM || His mom and I set up decorations, laying out food and turning music on! I make myself a mocha latte. I indulge a bit because I know my fat ass is gonna eat carbs today!4:00PM || The party’s been going on for a few hours now and I’ve had like 3 empanadas and a whole plate of tostones. Yummmmm. No. Regrets.5:00PM || Karaoke party. I sing exclusively only Disney songs, because I’ve been told I sound like a princess. My favorites are the Tangled songs!5:30PM || I eat a cookie.6:00PM || I eat a few more cookies.7:30PM || We cut the cake! Happy 80th Grandma! It’s chocolate ice cream. Duh I’m having a slice.8:00PM || Everyone’s leaving now, and we leave the mess in the kitchen. We’re all exhausted from having this much company over, and we’re all ready to go to our rooms and chill out. My bf and I lay in bed and watch youtube videos for a bit (one of our favs is the Fung bros).9:00PM || His mom yells for us. Our cat is howling. Not meowing, howling. We go out to see him convulsing and not being able to move. We freak out...he’s 18 and most likely, is his time to go.10:30PM || A lot has happened in one hour and we’ve decided instead of waiting it out at home, watching him slowly, we go to the 24/7 hospital to euthanize him. Lots of crying happens. We say our goodbyes to our fuzzy friend. How fast the day has changed shocks us all. While we celebrate the life of one creature, we say goodbye to another. :( RIP baby boy… we’ll miss your furry cuddles.1:00AM || We’re all home, exhausted, and sad. His mom, the realowner and mommy of our cat, is devastated. We clean up for her and go to bed, hoping the next day will be better.DAY TOTAL: $0Food + Drink: $144.66Fun / Entertainment: $0Home + Health: $112.02Clothes + Beauty: $0Transport: $0Other: $21.72WEEK TOTAL: $388.40 via /r/MoneyDiariesACTIVE https://ift.tt/3mojHQH
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