How a 29-year-old Queens-based bookstore manager spends:

  • SALARY: I make $40,000 per year, or about $19 per hour, as a bookstore manager living in Queens, New York. I have never asked for a raise. 

  • SAVINGS: I have about $1,000 in savings. I'm trying to build it up right now.

  • MONTHLY EXPENSES: I pay $925 for rent (just thinking about this number makes me nauseated). I contribute to a 401(k) and pay for my own health insurance. My gym membership is $22 a month.

  • DEBT: I am in debt. I put roughly $330 a month toward my student loans. This is a reduced rate based on my income

  • SIDE HUSTLE: I'm working on developing my skills so I can make a career change, so right now it's costing me money in books and online courses.

  • SPENDING VICTORY:  I do not have a spending victory. 

  • SPENDING REGRET: I regret my masters in arts. It didn't get me a job in the field like I had hoped it would.

  • IF I WON THE LOTTERY: I would buy clothes and craft supplies! 

  • CHARITY: I contribute to WNYC, ASPCA, Partnership for the Homeless, and Harlem Grown.

  • GOALS: I want to build up my savings so I can afford to take a risk on a new career and give freelancing a try.