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A Week In London On A $108,000 Salary

Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking millennial women how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar. (Thanks, New York mag, for the inspiration.)

Today, a single American expat living in London, discovering a new FWB situation and buying books for friends.
Industry: Media & Information Services
Age: 29
Location: London
Salary: ~$108,400 + annual bonus
Paycheck Amount (1x a month): ~$5,348 (minus taxes, and 5% of my salary goes to my 401(k)/pension)
Household: Currently looking for a new flatmate Monthly Expenses
Rent: I pay around $1,373 for one bedroom in a two-bedroom flat ($2,630 for the whole apartment)
Loan Payments: None! While I officially have no student loans, I pay back my mother $750 monthly.
Utilities: $173 for internet, electric, and council tax
Transportation: $180
Phone Bill: I pay my family’s cell-phone bill back in the U.S.: $125
Health Insurance: N/A Monthly Subscriptions/ Donations
Hulu:
$8
Spotify: $13
American University Radio: $10

Day One

9 a.m. — WFH this morning and make myself a Vietnamese coffee with condensed milk, then head into the office. 12 p.m. — I’ve spent the last two weekends traveling (Tel Aviv and Rome, respectively), so I have had zero time to grocery shop and cook at home. Lunch out it is. Truffle-stuffed raviolini at the Italian deli. $8.67 4 p.m. — And sometimes you need an afternoon snack of gelato. $5.78 5 p.m. — I order HelloFresh (like Blue Apron) and use a coupon code for three free meals. My first order will arrive Saturday. $28.91 6 p.m. — Quick pit stop (pun intended) to pick up deodorant. $4.34 9 p.m. — Uber home after a late night at the office (expensed). 9:30 p.m. — Necessary run to Tesco for sausage (protein) and vegetables. Check and check. $24.58 Daily Total: $72.28

Day Two

7 a.m. — Every Wednesday I do morning yoga with friends at their home gym. We take turns paying the instructor, and it’s my turn this week. $72.28 10 a.m. — Need to replace my foundation and swapped Urban Decay Naked Skin Weightless Ultra Definition Liquid Makeup (my first foundation ever!) for the Naked Skin One and Done with SPF! $36.14 10:30 a.m. — Head into the office late; thank goodness for flexible work schedules and East Coast colleagues. 12 p.m. — Another lunch out of lamb and hallumi from the Leather Lane Market. $8.67 6 p.m. — I head home to meet potential new flatmates. I get distracted reading, etc., and skip dinner. Daily Total: $117.09

Day Three

8 a.m. — Morning Pilates class (from a package I bought previously) 9:30 a.m. — Feeling lightheaded since I haven't eaten since lunch yesterday. I pick up a cappuccino and a poached egg, avocado, and toast. I do some emailing. $11.56

11:30 a.m. — Pick up a dress I had altered and then head into the office. $14.46 12 p.m. — I buy some tickets for a Sofar gig that a friend’s playing on Sunday. $18.07 4 p.m. — Late lunch of ham-and-cheese sandwich from Eat. $4.34

8 p.m. — I meet up with a friend’s sister whom I met a few weeks ago. We have a great time getting to know each other, and I'm disappointed we only met so late on her trip. I treat her to dinner at Sager & Wilde. $92.52 11 p.m. — I go to a "members only" club in Soho. My friend grabs drinks. Daily Total: $140.95

Day Four

9 a.m. to 5 p.m. — I work from home today, make lunch at noon, do more work. 7 p.m. — Meet up with a coworker before a concert. He has the munchies, so we go to McDonald's. He pays for this bad decision. 8 p.m. — We rock out at the Leon Bridges concert in Brixton. 11 p.m. — I'm heading home with a friend? A friend with benefits? With just benefits? Not sure, but going with the flow. Daily Total: $0

Day Five

10 a.m. — Tube home from friend with benefits (as long as there are benefits!). I shower, change, "put my face on," as they say. 11 a.m. — Stop by my local French bakery and grab a cappuccino before another trip to Brixton, this time during the day to check out the market. $4.34 12:30 p.m. — Catch up with a friend who is currently completing her master's, discuss urban design and violence. I treat her to Thai lunch. $28.91 1:30 p.m. — I wander around Brixton market and pick up a Matt & Nat wallet and a cute black skirt from The Keep. $88.18 4 p.m. — Tube over to Borough Market area. Need a cappuccino, and queue in Monmouth. $4.34

5 p.m. — I leave my friend and make my way home, stopping by Waterstones to buy books for friends. Nothing brings me greater joy than sharing my love of literature with those I love. I buy 100 Years of Solitude by Gabriel García Márquez, Interpreter of Maladies by Jhumpa Lahiri, and Squirrel Seeks Chipmunk by David Sedaris. $39.03
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6 p.m. — I stay in tonight to read and watch the Masters Tournament on the telly, with a late-evening dinner of eggs, tomatoes, and toast. Daily Total: $164.80

Day Six

10 a.m. — Sleep in, and I feel great. I hang out in my PJs reading New Yorkers on the couch. 12:30 p.m. — Brunch (split delicious ricotta hotcakes, courgette fritters, tuna and avocado, brown-rice salad) at Granger with a couple who recently moved here from Singapore. $33.25 3 p.m. — It’s been nearly a month since my last climbing session, and it feels so good! Catch up with my regular climbing partner, whom I haven’t seen in months. Bought an 11-session package ages ago. 5:30 p.m. — Stop by Tesco to buy some necessities. $8.67 6:30 p.m. — I receive my HelloFresh order! I don't have time to cook anything, so I just bake a frozen pizza before the concert. 8 p.m. — I head out to see my friend’s band, Nova Neon, play a Sofar gig in London. Super fun experience as always. I chat up the MC and get his number; we start texting and making plans for something later in the week. Daily Total: $41.92

Day Seven

10 a.m. — Stop by my local coffee spot for a cappuccino and croissant before heading into the office. $4.34 1 p.m. — Soup for lunch, plus some fruit for a snack. $9.40 2 p.m. — Friend visiting from Geneva books ballet tickets for Wednesday. She owes me for our most recent trip to Rome, so I don’t need to pay anything. 7 p.m. — I leave the office, faff around on the internet reading nonsense, snacking on bread and hummus. College diet, much? 9:30 p.m. — Put in another hour of work before bed. Daily Total: $13.74
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Money Diaries are meant to reflect individual women’s experiences and do not necessarily reflect Refinery29’s point of view. Refinery29 in no way encourages illegal activity or harmful behavior.

The first step to getting your financial life in order is tracking what you spend — to try on your own, check out our guide to managing your money every day. For more money diaries, click here.
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