Fourth: a talent acquisition coordinator who makes $32,400 per year. This week, she spends some of her money on protein balls and Snax potato chips.Editor's Note: All prices have been converted to the U.S. dollar using conversion figures at the time her diary was submitted. Some text has been adapted to U.S./American English.Occupation:
Talent Acquisition CoordinatorIndustry:
I moved back in with my family at the start of this year to save money, but I still pay them "rent" of $140 per month to help cover my portion of the food and bills.Car Payments:
$280/month for one year. It was a pretty small loan.All Other Monthly ExpensesCollege Loans:
$0, thanks to my parents — although college in Ireland is MUCH cheaper than in the U.S. Our average yearly cost of college is $3,500.Traveling:
I spent a year traveling, and my parents gave me a loan when I ran out of money towards the end. I am still paying them back as much as I can, as often as I can. Netflix:
$0. My dad pays for the account for the family. Phone:
$0. I'm on the family plan. Car Insurance:
$0. We have public health insurance in Ireland, which I am covered by. Hopefully in the future when I have a better income I will get private health insurance (which would provide better coverage).Savings:
$0. I am the WORST saver in the world. I can only save if I have something specific to save for, like a holiday! I hope to save more regularly after the summer, as I want to go traveling again next year.
10 a.m. — I don't start work until 11:30, since I work with the American market; my hours are later to suit the American time zones. I get up, shower, and have breakfast of eggs, bacon, and half a bagel. I live in the same town as my office, so I get to work in less than 10 minutes. I drive even though I could walk, as driving is much easier and we have free parking at work.
2 p.m. — Mondays usually go slowly, but this afternoon has gone quickly so far. I brought some ham with me to work, and I run to the shop to buy a small bread roll to make a sandwich for my lunch later. While I am there I can't resist picking up Snax — cheese and onion flavored potato chips. I eat these at my desk and save the sandwich for later. $1.60
5 p.m. — After my EMEA
colleagues leave work at the end of their day, the others on the U.S. team and I have our lunch. I eat my ham sandwich, and then we go outside to stretch our legs and get a bit of vitamin D before the last three hours of our working day.
8 p.m. — Time to go home. My mum has lasagna ready for me, which I eat in front of the TV. I lived away from home for a year and half. After I returned, I offered to do my own food shopping and cooking, but my mum insists on cooking as it makes it easier for her to keep track of the food we have. We'll also avoid getting in each other's way if we cook dinner at the same time. I head to bed around 11 and fall asleep with Netflix playing in the background. I can't fall asleep in silence, and my laptop will eventually turn itself off.Daily Total: $1.60
8:30 a.m. — This is early for me but I get up and get ready. I bought some items of clothing for my holiday that I never wore, and I want to return them today before it is too late. I bring eggs and bacon with me for breakfast at work later. I lost the receipt for one of the items and only have the option of exchanging, so I swap the denim shorts for a pair of stripy culottes and pay the difference ($11.81). I also pick up another small baguette for today's lunch. Outside of the shopping center, there is a farmers' market. One of the stands is a protein bakery. I decide to buy protein balls and a protein brownie. I hope they taste as good as they look. $19.03
11:30 a.m. — I arrive at work and prepare my breakfast. Everything is cooked but I need to reheat the bacon in the microwave. The kitchen at work has free bread, so I have a slice of bread and make a bacon and egg sandwich. I haven't been eating very healthily since I came home from holidays. I am trying to cut down on carbs but am not doing very well!
1 p.m. — My direct debit for my car insurance bounced this month for some reason, and I'm charged a late penalty fee. The money was in my account so I am not sure why it happened. It hurts me to pay online myself. When the money comes out automatically, you can pretend it's not happening, but physically typing in your card details and clicking the pay button is very upsetting. $8
5 p.m. — I have another ham sandwich for lunch. There are only four of us on the U.S. team and two are smokers, so when they go out for their post lunch cigarette break, the other non-smoker and I join them outside and continue our chat from lunch.
7 p.m. — I start to crave fajitas and I text my mam to see if we have chicken at home. We don't, so I walk down to the shop to get chicken filets. While I am there, I also pick up almond milk and crisps. $12
8 p.m. — I used to go personal training on Tuesdays and Thursdays, but since I came back from my holidays two weeks ago, I haven't returned. Also, the trainer I used to go to has left the gym. Now, I am looking into joining a new, cheaper gym. I get straight into my PJs when I get home from work and I sit in front of the TV watching reality shows. My mam cooked pasta for dinner and I decide to save the fajitas for lunch. I take a bottle of Heineken that's in the fridge to go with it. I think it might be my brother's, but I'm sure he won't notice one missing!Daily Total: $39.03
9 a.m. — I planned to get up early this morning and try a YouTube workout video, but I get lazy and end up scrolling through Instagram instead. When I eventually get up, I have a shower and get ready for work. I cook the chicken I bought yesterday for my lunch. I also pack a whole-meal wrap, salsa, and cheese for the fajita. I almost always bring a packed lunch to work, as it saves money and it's healthier than any of the options that are available in the supermarkets or local cafés. I eat a fried egg with bacon on half a bagel for breakfast.
1:30 p.m. — I eat the crisps I bought yesterday, which I stored in my desk drawer. I bought a six pack and they can be used for emergency snack breaks if I'm a bit hungry during the day. There's a long time to wait between my 10 a.m. breakfast and 5 p.m. lunch break.
4 p.m. — I have a Greek style vanilla yogurt, and my colleague who sits next to me asks if I want to come to the shop with her. I intentionally don't bring any money with me so I don't get tempted to buy anything.
5 p.m. — It's finally time for my fajita, and it is as good as I expected it to be. I made enough for two servings and will have one again tomorrow. We turn to a game show on the TV in our staff kitchen and are glued to it the whole time we are there. I love game shows!
8 p.m. — Tonight, my mam has cooked potatoes for me and my dad for dinner. I take a chicken Kiev out of the freezer to go with it, and watch more reality TV before heading to bed. Some of the YouTubers I watch have uploaded new content this week, and I watch that on my laptop in bed.Daily Total: $0
9 a.m. — I get up and get ready faster than usual because I have a doctor's appointment before work. I recently turned 25, and in Ireland, women are eligible for a free cervical smear test every three years from the age of 25 to 60. I'm not nervous, and it is done really quickly and efficiently. I have time to go home again before work to eat scrambled eggs, bacon, and half a bagel for breakfast. I chat with my mam a bit before leaving for work. On the way, I get petrol for my car as I am running low and I hate when the red light is on. $34.51
2 p.m. — We take a quick tea break; I have cereal with almond milk. I am a strong believer in having breakfast at any time of the day, as it's even better during the day than it is at breakfast time!
5 p.m. — I have my second fajita for lunch and we watch more game shows as we eat.
6:30 p.m. — One of my colleagues suggests ice cream. Even though it isn't sunny or particularly warm, ice cream is my biggest weakness — I can never say no. We walk the five minutes to the shop for our ice cream; it's the best decision we've made all day! $1.33
8 p.m. — I go home and change into workout gear. I'm only taking the dog for a quick walk but wearing workout gear makes me feel like I am doing something more substantial! It's pouring rain but I don't mind. I've been needing a good walk in the fresh air for a while. I come home and have leftover pasta from the other night for dinner. Writing this Money Diary has made me realize how repetitive my life is. I should really do more during the week.
11 p.m. — I go to bed and watch To the Bone
on Netflix. It's really good, but the ending could have been better. I fall asleep right after.Daily Total: $35.84
9 a.m. — I get up and shower, feeling thankful it's Friday and pay day! I have a boiled egg and whole-meal toast for breakfast with a vitamin C drink.
10:30 a.m. — I still have loads of time before I have to leave for work. I see that a really good Irish band called Picture This have added an extra date to their tour. Two of my friends have interest in seeing them as well, so I buy three tickets. The concert is in Killarney in November. Killarney is about an hour and 20 minutes from where I live, so we could easily drive home afterwards, but we agree to treat ourselves to a hotel as well. I book a really nice hotel on Booking.com that won't ask us to pay until we check in! $117.54
2 p.m. — I like to treat myself to a bought lunch on Fridays. I go to the sandwich counter at the nearby supermarket and get a panini with pesto, cheese, and tomato — my favorite
. I save this for later and also do the EuroMilions lotto, which I always do on Fridays ($2.95). I have the winnings mentally spent in my head already. Hello, world travel. Goodbye, job! This week's jackpot is €35 million. Spoiler alert: I don't win. $7.74
7 p.m. — We finish early on Fridays, and I go to meet a friend at Starbucks. I haven't seen her in over a month as I was away, and then she was in Barcelona. It's good to catch up and tell each other about our holidays. She orders a tea and I get a mango and passion fruit juice; we pay separately. $5.30
9 p.m. — We leave Starbucks as they start to close. Another friend texts me because she is getting ready for a wedding coming up and wants me to put fake tan on her back. I stop at the shop on the way and pick up two cans of cider for myself. I have one at my friend's house and save the other for when I get home. $5.45
11:30 p.m. — I remember I haven't had any dinner and decide to get pizza on my way home. I order a €10 meal deal, which is one small pizza, one side (I choose garlic bread), and a Sprite. I collect this and eat it at home while catching up with my family. I go to bed late, around 1 a.m. $11.65Daily Total: $147.68
11 a.m. — I generally try spend as little as possible during the week so I don't feel guilty about my unjustified spending at the weekend. However, this weekend will be pretty quiet I think, so hopefully I can keep my spending to a minimum. After having fried eggs, bacon and toast for breakfast, I go for a walk with my dog and my little brother. During our walk, we stop for ice cream and drinks at a small shop. $1.40
3 p.m. — There's a big hurling match on TV that I watch with my mam. Hurling is an Irish sport that is played with a stick, called a hurl, and a small leather ball, called a sliotar. It is considered one of the fastest and most skillful sports in the world, and it's so exciting to watch! The team I am shouting for loses, but it's not my local team and I am not too upset. My team, Cork, are not playing again until August. That's the All Ireland semifinal, which I'll be going to see in person — not just on TV!
5 p.m. — I spend the rest of the evening cleaning and tidying my bedroom; it is well overdue. I also put clothes that I don't wear into bags to donate at the charity shop the next time I'm there.
8 p.m. — When I finally finish cleaning, I go to the shop and get a frozen pizza, I think I deserve it after all the cleaning I have just done. I find another can of cider in the fridge that I drink. My entire family are away tonight, so it's great to have the house to myself and watch TV in peace. $2.33Daily Total: $3.73
10 a.m. — I get up, shower, and get ready. I have more fried eggs, bacon, and toast for breakfast. There's another hurling match today — Waterford and Wexford — and I will be shouting for Waterford as that's where my nana comes from. I'm meeting friends for food and drinks before the match. My dad kindly offers to drop me there so I don't have to worry about parking and I can have a few drinks, too.
12:30 p.m. — We meet at a pub close to the stadium before the match. I am not that hungry so I only order a plate of fries. I also drink three pints of Orchard Thieves cider; it's lovely, very sweet. We all pay our own tabs as it's easier. It's a sunny day and really warm as well. Sitting out in the sun is so nice. There's such a good atmosphere from people going to the match, wearing their respective jerseys all around us. One of our friends owns a horse that is racing today and we all put a €5 bet on him to win. The odds are 9-4 and he wins! This is my first time betting on a horse, so I am very excited. We only get back €16 each but I am still happy with my winnings. This will cover the cost of the rest of my day out. I don't plan on drinking much more, as I have work tomorrow. $24.46
3:30 p.m. — The match is at 4 p.m. and I have one more cider before we get our seats. When I finish and we sit down, we realize we have really good seats right in the middle of the pitch and not too high up either! This stadium only opened last week in Cork and it is so cool to see it after two years in the making. $6.41
6 p.m. — The team I'm supporting wins! I am delighted although one of my friends is from Wexford and they lost, so she is a bit upset. We go to another pub after the match and all have one more drink. $6.41
7 p.m. — Two of my friends live in Dublin, and they say their goodbyes. Dublin is a 2.5-hour drive away from Cork. Hopefully, there will be no traffic and they will get home quick. My friend, her new boyfriend, and I go to a burger place for dinner. I am still not that hungry after all the cider I drank today, and I only order a burger, no fries. The burgers at this place are too nice to say no! $8.68
9:30 p.m. — When I get home, I tell my parents how cool the new stadium is. They couldn't get tickets unfortunately, so they just watched it on TV. I give my mam the weekly rent money before I go to bed and watch Okja
on my laptop. I fall sleep 20 minutes into the movie.
3:30 p.m. — My friend bought my match ticket so I pay her back. $34.90Daily Total: $80.86