How a 30-year-old Raleigh, North Carolina-based sales support representative spends:

  • SALARY: I make $49,485 pre-tax each year as a sales support representative based in Raleigh, North Carolina. I have asked for a raise in previous careers. I was managing a child center at a gym part time, and I asked my boss for a meager 25 cents an hour raise. He told me I would get it, but left the company a month later. The new boss came in and was not a fan of me. I had to explain the situation to him and asked for a 50 cents an hour raise. I got it and luckily left the job about three months later. It felt ridiculous arguing over such a small amount of pay.
  • SAVINGS: I have three different savings accounts. Combined, they have $24,800. 
  • MONTHLY EXPENSES: I pay $400 for rent. I have one roommate. I contribute to a 401(k), and my employer pays 100% of my health insurance, so I accepted a lower salary. I pay $134 each month for o2 and ClassPass, roughly $80 for my half of internet/utilities, $110 for my cell phone bill, $88 for car insurance, $200 to my Roth IRA, and a decent amount to savings each month.
  • DEBT: I am not in debt.
  • INVESTING: Before I found a job offering a 401(k), I saved 10% of my income and used that to buy individual stocks.
  • SPENDING VICTORY:  I just finished paying off Invisalign braces. I had braces as a child, but my wisdom teeth came in and ruined my bite. In total, I spent $4,950 on the braces and $800 to get my wisdom teeth removed. I maxed out my FSA at $2,600 so I could save taxes on that portion. I paid the remaining balance over the past year. I still have about five more months of braces, but hopefully, it will have been worth it in the end! Honestly, though, the best thing I've ever spent money on is my rescue cat.
  • SPENDING REGRET: A laptop. After my college laptop died, I researched different laptops with my mom's advice (she works on computers and is knowledgeable about them). I had previously owned and liked a Dell, but decided to go for less expensive HP at $450. That laptop is a piece of junk. It's so slow that it’s almost useless, and I never even transferred all my files to it! I wish I would've just spent more money on a higher quality laptop.
  • SIDE HUSTLE: I used to babysit a lot when I worked in childcare. All of that money went straight to funding my travels!
  • CHARITY: The last charity I supported was a local animal rescue called Ruff Love Rescue. I prefer to donate to smaller, local charities.
  • IF I WON THE LOTTERY: I’d buy a house; security is very important to me. Of course, I'd also blow some on a kick-ass vacation and a dog.
  • GOALS: I have been very slowly saving for a down payment for a house, but my boyfriend beat me to it and is closing on a house next month. I will continue to save and hope to now use that money for our future wedding instead. Additionally, I hope to increase my income without increasing my lifestyle spending.