How a 25-year-old Virginia-based partner marketing manager spends

  • SALARY: I make $60,000 per year as a partner marketing manager in Stafford, Virginia. I have asked for — and received — a raise before.

  • SAVINGS: I have $10,301 in my savings account right now.

  • MONTHLY EXPENSES: My mortgage payment each month is $2282. That includes the private mortgage insurance payment and taxes. I contribute to my 401(k), but I'm still on my parents' healthcare plan. My husband and I share a gym membership with a friend. It costs a total of $150 per month, which we split.

  • DEBT: I am in debt. I have $1,000 in credit card debt and a $2,000 car loan. I'm lucky to have no student loans. My interest rate on my car is so low so I only occasionally make an extra payment. For my credit card, I pay about $300 per month towards it, so it should be gone soon!

  • INVESTING: I invest through my 401(k).

  • SPENDING VICTORY:  The best thing I ever spent money on was my dog's adoption fee! I also love the couch I bought this year. 

  • SPENDING REGRET: I regret all my Amazon impulse purchases. 

  • CHARITY: The last charity I donated to was our local SPCA.

  • IF I WON THE LOTTERY: I would pay off my house! I would also purchase a luxury fashion item.

  • GOALS: I want to pay down my debt and then learn how to invest (and take the risk!) as well as focus on my retirement. Sometimes I wake up in a panic about it.