How a 31-year-old Boston-based partner manager spends:

  • SALARY: I make $90,000 per year as a partner manager at a tech company based in Boston. I've been able to receive a raise every time I've negotiated. I highly recommend reading 'Women Don't Ask' by Linda Babcock for tips on how to negotiate and the long term cost of *not* negotiating.  

  • SAVINGS: I have $17,000 in my savings account right now. 

  • MONTHLY EXPENSES: I pay $800 per month to rent an apartment with two other people. I contribute to my 401(k) and pay for my own health insurance. My other monthly expenses include tithing $600 to my church, giving $50 to charity, $300 for my car payment, $225 for car and renter's insurance, $100 for utilities, $700 for groceries, dining out and coffee, $84 for my monthly train pass, $80 for four therapy sessions, $70 for my phone bill, $100 for shopping, toiletries and makeup and $30 for Netflix, Hulu and Spotify.  

  • DEBT: I still owe $4,000 on my car but I could pay that off from my savings account. I've paid off my student loans and credit card debt (about $50k total) and now paying off my car - minimum payment is $211, I pay $300.

  • INVESTING: I contribute to my 401(k) monthly. I have also purchased stock in the company I work for.

  • SPENDING VICTORY:  Travel! Those are experiences that are worth every penny.

  • SPENDING REGRET: Food - I spend waaaaaaay too much money on dining out/coffee/eating in general. 

  • CHARITY: I tithe regularly to my church and I also support campus ministers and missionaries in our church network. I donate to disaster relief funds as events come up, I volunteer with Big Sister/Little Sister and donate to that organization, and also support the Boston Center for Pregnancy Choices. 

  • IF I WON THE LOTTERY: Pretty stereotypical, but I would buy my own house/condo.

  • GOALS: I would like to pay off my car and be completely debt free for the first time in my life, have an emergency fund of $20,000, and start to save for a house.