Welcome to Money Diaries , where we're tackling what might be the last taboo facing modern working women: money. We're asking millennials how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar.
This week, we're taking another look at scholastic Money Diaries. Today, for the last day of student week: an interior design student who makes $20/hour, and spends some of her money on Glossier makeup.
Occupation: Interior Design Student Industry: Interior Design Age: 22 Location: Malibu, CA Paycheck: $20/hour
Monthly Expenses Housing Costs: $0. I just graduated from college and moved back in with my mom while I complete a post-graduate certificate in interior design. Loan Payments: $0
All Other Monthly Expenses Spotify: $4.99 Amazon Prime: $49. My family uses this account as well. Netflix, HBO Go, Cable & Internet, Health Insurance, Car Insurance: $0. I'm on my mom's account.
9 a.m. — I wake up and eat an English muffin with butter, blueberries and a homemade iced latte. My mom has an espresso machine at her house, and I find myself drinking waaaaay too much coffee now that I'm living at home. Good for my wallet, bad for my stomach. After breakfast, I get ready for the day. I'm extremely anal about my skin and have extensive routines for both day and night. I wash my face with Glossier Milky Jelly Cleanser and then apply Bobbi Brown Extra Repair Serum. I put on a light layer of both Neutrogena Hydro Boost Water Gel and Glossier Priming Moisturizer. I finish it off with Glossier Invisible Shield sunscreen and then take my dog on a quick walk.
11:30 a.m. — I have physical therapy for chronic back pain. I've been going to physical therapy regularly for six years now and it really helps my mobility issues. Luckily, I met my out of pocket maximum recently so this visit is free. 1 p.m. — I'm addicted to the avocado toast at Le Pain Quotidien, but I've started making my own version at home to save money. For lunch, I have homemade avocado toast on sliced sourdough bread. I mix mashed avocado with bottled minced garlic, lemon juice, sea salt, pepper, and red pepper flakes, and I top it with diced tomatoes and sliced green onions. I eat the avocado toast while watching an episode of Friends. After lunch, I apply my makeup for the day: Glossier Perfecting Skin Tint; CoverGirl green concealer; Glossier Cloud Paint, Stretch Concealer, Haloscope; Bobbi Brown Sheer Powder; Glossier Boy Brow; and CoverGirl mascara. I make another iced latte with whole milk and almond milk vanilla creamer, and walk my dog again before I leave. 3 p.m. — I have a doctor's appointment in L.A. today. I live an hour outside of the city and use these appointments to try new spots I've heard about. Today, I stop at Mr. Holmes Bakehouse and buy a smoked vanilla cruffin and a passionfruit donut. It's pricey but delicious. I eat half the cruffin before heading to my appointment. $9 3:30 p.m. — I have irritable bowel syndrome and chronic inflammatory issues so I'm being treated by a gastroenterologist. I spend a LOT of money on medical expenses throughout the year: medications, co-payments, procedures, over-the-counter remedies, etc. My mom works for the government and has incredible insurance that covers most of these expenses at 90%. I also already met my out-of-pocket maximum for the year, so today's visit is free. I'm going to be very upset when I get kicked off my mom's insurance in four years. The doctor recommends herbs that I can purchase on Amazon to help aid my digestion. I secretly hate it when doctors "prescribe" over-the-counter treatments because I can't use my insurance. 6 p.m. — I heat up leftover short rib risotto from a family dinner we had this weekend. It's so good but I wish I had more. I eat a banana to curb my hunger and watch more Friends. 8 p.m. — I eat the other half of my cruffin for dessert while watching The Bachelorette with my mom. I'm pretty sure I'm in love with Dean. 10 p.m. — I shower and partake in my nighttime beauty routine: Neutrogena Grapefruit Face Wash, Bobbi Brown Hydrating Toner, Glossier Super Serums, prescription retinol acne medication, Bobbi Brown Extra Repair Moisturizer, and Glossier Balm Dotcom. Daily Total: $9
9 a.m. — I eat the passionfruit donut from Mr. Holmes that I picked up yesterday. It's so soft and fluffy, I regret not getting an entire box of pastries. I drink my first iced latte of the day and then do my usual daytime skincare routine.
12 p.m. — I spent the morning applying to more jobs. I've been living off my savings all summer because my summer job as an art instructor is so sporadic. I plan on working part-time in the fall while I take my interior design classes. For lunch, I have avocado toast and iced latte number two. I'm a creature of habit. 1 p.m. — I eat a strawberry-rhubarb yogurt with cinnamon granola and make an Arnold Palmer. Afterwards, I have a call with a family friend to discuss the interior design program I'm starting in the fall. My friend used to work at the school and has a lot of contacts in the interior design world. She puts me in contact with a few of them and I send out emails requesting informational interviews. 4 p.m. — I always get hungrier when I spend the day at home, and I snack constantly. I eat a white nectarine and a slice of homemade banana bread with cream cheese frosting. It's literally cake but calling it "bread" makes it feel more snack-time appropriate. I also drink a Spindrift cucumber seltzer. I buy them at Costco and I've become completely addicted. It's like a better, fresher version of La Croix. 4:30 p.m. — I noticed this morning that my Glossier Perfecting Skin Tint was starting to get a little empty. I still have at least a month before I really need one, but Glossier just sent an email announcing that all items ship free today. I decide to order it now so I don't have to order an extra item later to meet the shipping minimum. I usually try to space out my beauty and self-care purchases so that I only have to restock a few items each month, instead of doing a huge haul. It makes me feel a little less guilty. $26 6 p.m. — Since moving home, I've taken over as the cook of the household. I make marinated teriyaki-orange pork tenderloin, rice pilaf and roasted broccoli. After dinner, my mom and I walk my dog down to the beach for some light exercise. 8:30 p.m. — I really want ice cream so I head to the store and get a quart of vanilla ice cream, more lemonade, and a pint of blueberries. Back at home, I make a bowl of vanilla ice cream with blueberries on top and then go through my nightly beauty routine. Tonight, I put on the infamous Watermelon Glow Sleep Mask. I got it a few weeks ago and I'm completely addicted. Every time I use it, I wake up with the softest skin. Afterwards, I watch Friends until I fall asleep around 11 p.m. $10.62 Daily Total: $36.62
10 a.m. — I wake up and do my usual face routine, followed by makeup. After, I meet a friend for breakfast. We were supposed to apply for jobs together but I have a phone call later for an informational interview, so we opt to just have brunch instead. I get scrambled eggs, bacon, toast, and breakfast potatoes. My stomach starts hurting a bit during lunch and I have a ton of leftovers to take home. The breakfast comes out to $14.63 and I leave a $3 tip.
$17.63 12p.m. — I go home, walk my dog, and have an informational interview with an interior designer. She is a visiting lecturer at the program I'm attending in the fall, and she has a lot of great insight into the potential career path of an interior designer. My stomach has been hurting a lot since this morning. 5 p.m. — I was supposed to cook chicken kebobs for dinner tonight, but I ended up being sick all afternoon. I send my little sister to the grocery store with money and she comes back with chicken noodle soup from the hot bar, ginger ale, and grilled cheese ingredients. I spend the rest of the evening in bed and start watching American Crime Story: The People v. O.J. Simpson. It's so good that I get halfway through the season by the time I go to bed. $16.82 Daily Total: $34.45
10 a.m. — I wake up and my stomach cramps and digestion problems are still there. I can tell it's going to be one of those IBS-has-me-chained-to-the-toilet days. I barely muster the energy to go through my skincare routine before heading back to bed.
12:30 p.m. — I'm finally starting to feel a little hungry, so I head to the grocery store and pick up a baguette, crackers, butter, and ginger ale. I spend the afternoon watching The People v. O.J. and snacking on the carbs I picked up. $14.43 7 p.m. — I finally finish American Crime Story — it was so good. I found the Kardashian cameos to be hysterical. I eat a toasted English muffin with butter, drink more ginger ale, and watch Friends until I fall asleep. Daily Total: $14.43
9 a.m. — I finally wake up feeling normal. Just to be on the safe side, I have an English muffin and pomegranate white tea for breakfast. I skip out on coffee since I don't want to have any stomach problems when I head out today.
11 a.m. — I have my usual physical therapy appointment. Afterwards, I head to a local healthcare office for a test that my GI doctor recommended. The test involves taking marked capsules and getting X-rays for a week to track the way food moves through my digestive system. 1:30 p.m. — After my appointment, I meet up with a friend for lunch at a cafeteria-style restaurant. I get cauliflower soup, grilled chicken, and a kale caesar side salad. It feels so good to eat normal food after yesterday, but my appetite is still kind of small. I take more than half of the meal home as leftovers. $12.23 2:30 p.m. — My friend and I head back to his parents' house where we spend the afternoon floating in their pool. It's beyond hot out and the water feels incredible. 6 p.m. — I eat my lunch leftovers at my friend's house and we have popsicles from his freezer for dessert. 8 p.m. — We're celebrating the birthday of one of our best friends, so we go to his house for a party. Everyone is drinking but I abstain because of my GI issues. I end up being the designated driver tonight, but I don't mind since I don't have to pay for Uber. 11 p.m. — My friends and I head to a local bar for a bit. All of my friends get mojitos and margaritas but I just have a seltzer with lime. The neighborhood around the bar is permit parking only and I'm forced to valet my car. My friends pick up the $7 valet fee and leave a $3 tip. Daily Total: $12.23
11 a.m. — I wake up feeling exhausted and hungover, even though I didn't drink last night. I slept over at my friend's house since we got home really late but I finally force myself up and head home to shower and change.
2 p.m. — I meet my mom for a manicure at a local nail salon. I am a chronic nail biter and will bite my nails into stubs if I don't have gels on. The gels are a terrible and expensive habit I've been partaking in since high school. After our nail appointments, my mom and I head to a local Mexican restaurant for tostada salads. I have a $7 loyalty credit and my mom picks up the rest of the tab. ($35) 5 p.m. — I head over to my friend's house to pick her up on our way to Cinespia. Outdoor screenings are my favorite summer activity. We pick up food from Joan's on Third on the way to the cemetery, and get Chinese chicken salad, a fried chicken sandwich, and lemon bars to share. We also brought a caprese salad, seltzers, and a baguette to snack on. Since I paid for the tickets when I bought them last month ($18.50 each, including the online service fee), my friend picks up the tab for dinner ($34.66). Daily Total: $0
10 a.m. — I wake up and have my usual breakfast (English muffin, coffee, blueberries) and then go through my skincare routine.
12 p.m. — I head to my friend's house and we spend the afternoon in his parents' pool again. After a while, we get bored and head to the grocery store to pick up ingredients for dinner. We buy chicken kebobs, broccoli, pita bread, and hummus, as well as the ingredients for peach cobbler. My friend puts it on his parents' credit card since we're cooking dinner for his entire family. 3:30 p.m. — My friend lives dangerously close to a Jeni's ice cream shop, and we quickly stop on the way to his house. I get a standard two half scoops of watermelon frozen yogurt and roasted strawberry buttermilk. The watermelon fro-yo is so refreshing! $5.50 6 p.m. — My friend and I spend the rest of the afternoon peeling peaches and making peach cobbler for his family while jumping in and out of the pool. We grill dinner for his family and then serve everyone peach cobbler and vanilla ice cream. After dinner, we go in the jacuzzi for a bit before I head home. Daily Total: $5.50
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