SALARY: I make $56,000 per year working as a video journalist in Atlanta, Georgia. I asked for a raise when I had another job offer on the table. My boss couldn't give me a raise immediately but she secured new camera gear for me so in a sense that was the "raise."
SAVINGS: I have $9,000 in my savings account.
MONTHLY EXPENSES: I pay $1,228 per month for rent. I live by myself and rent an overpriced studio in Midtown but it has great amenities like a gym, pool, fire pit and an actual parking garage. I contribute to a 401(k) and I pay for my own health insurance. I also pay $50 for electric, $50 for water, $120 for car insurance, $75 for gas, $10 for MoviePass, $10 for Spotify and $20 for Weight Watchers each month. My mom and I share Netflix, Hulu, HBO and a cell phone bill. Shepays them each month.
DEBT: I am in debt. My minimum payment for this student loan is about $70 a month but I’ve been trying to pay closer to $150 when I can.
INVESTING: I only invest through my 401(k).
SPENDING VICTORY: About a month ago I found a $400 round-trip, non-stop flight to Paris. So my Abuela and I booked the flights and we will be spending a week together in Paris this November. My Abuela is turning 80 years old this year and she's the most experienced traveler I know. This will be my first big trip with her and I'm so excited that we're able to do it.
SPENDING REGRET: There's not one big spending regret in particular, but I have been in a bad habit of eating out way too much. At one point I was probably spending upwards of $400 to $500 a month on eating and drinking out. I have recently cut back on that drastically and I try to limit myself to one dining out experience a week. This is very new, so I'm still working towards sticking to it.
SIDE HUSTLE: I do not have a side hustle, but I can get overtime at my job. I'm an hourly employee so I'm overtime eligible and I regularly work a few hours extra a week, which equals about $400 extra month.
IF I WON THE LOTTERY: I'd take a long and luxurious vacation. I love staying in very nice hotels and I'm desperate to sit on a beach for a week straight. I'd love to be able to pay to bring family members along with me on this vacation.
GOALS: I'd like to start saving more money by splitting rent with my boyfriend when we move in together later this year. Hoping to be able to purchase my own condo in the next few years and for sure pay off my student loan debt before I'm 28.