Jun 30, 2025
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A Week In NYC On A $75,000 Salary
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Welcome toMoney Diaries , where we’re tackling what might be the last taboo facing modern working women: money. We’re asking millennial women how they spend their hard-earned money during a seven-day period — and we’re tracking every last dollar. (Thanks,New York mag , for the inspiration.)
This week a woman working in H.R. making $75,000 a year and taking full advantage of Uber’s transportation and delivery services.
Industry: Technology
Age: 25
Location: New York, NY
Salary: $75,000
Paycheck Amount (biweekly): $1,857.52
Monthly Expenses
Monthly Housing Costs: $1,300 (Total rent is $3,700 – I split with my boyfriend based on our salaries)
Monthly Loan Payments: $0 (I was fortunate enough to have my parents cover my college expenses 100%)
Spa Membership: $155.71
Cleaning Service: $80
Waxing: $127.61
Eyelash Extensions : $150.21
Gas, Cable, Electric, Netflix & Apple Music: $0 (Boyfriend pays)
Day One
9:30 a.m. — Go by my dermatologist office’s for annual check-up. Co-pay is $40.
9:45 a.m. — Take a cab from the doctor’s office in the Financial District to Soho for work. $12
10:15 a.m. — I eat some office oatmeal and have a leftover iced coffee in the fridge from yesterday for breakfast. Usually I spend way too much money on food and coffee, so this week I am trying to be creative with free food!
12:30 p.m. — I somehow convince my boyfriend to order By Chloe with me for lunch. (We work together!) Used Postmates and put it on his credit card. Score!
6:30 p.m. — Take an Uber back home to the Financial District. $8.07
Daily Total: $60.07
Day Two
8:40 a.m. — Take an Uber to work with my boyfriend. He puts it on his card.
9:30 a.m. — Eat oatmeal from the office for breakfast. I received a Nespresso machine for the holidays, and brought an espresso shot from home today.
10:30 a.m. — Feeling a little run down, so my friend picks me up a wellness shot from Pressed Juicery across the street. I pay her back. $2.50
12:30 p.m. — Too lazy to walk outside and get lunch. Order a healthy lunch from Mulberry & Vine on UberEats. $13.88
4:00 p.m. — Purchase a pilates class for next week with a friend. We like to try new fitness studios and classes each week. (It’s a new thing — we’ll see how long it lasts!) $20.90
7:00 p.m. — Get home from work and order rice and beans from Tacombi using UberEats. $7.24
Daily Total: $44.52
Day Three
8:00 a.m. — We try a new cleaning service today for a “deep clean” in our apartment. It costs more than our usual $80 clean. Unsure if it was worth it. $115
12:30 p.m. — Have to stay home sick today (guess that wellness shot didn’t work). Make some beans and quinoa that I already had in my pantry for lunch. The rest of the day, I snack on things I have in my apartment.
7:00 p.m. — Eat a veggie burger from my freezer for dinner.
Daily Total: $115.00
Day Four
9:30 a.m. — Still sick. Sleep most of the day today. I make a smoothie with ingredients I have in my pantry and freezer for breakfast.
12:30 p.m. — Veggie burger from my freezer for lunch! Today is a great saving day.
7:00 p.m. — Order Empanada Mama with my boyfriend for dinner. He pays.
Daily Total: $0.00
Day Five
9:30 p.m. — Eat a MacroBar for breakfast and a shot of espresso from my Nespresso machine.
2:30 p.m. — Go to Whole Foods (finally got out of the apartment!) and pick up groceries for the week for my boyfriend and me. I have a $35 gift card from a holiday gift, so I was able to take my purchase total from $81.91 to $46.91. I also brought my own tote bags, which saves another 10¢ per bag. $46.91
6:30 p.m. — Use my purchases at Whole Foods to make dinner and meal prep for the week.
Daily Total: $46.91
Day Six
8:30 a.m. — Take an Uber to work with my boyfriend. He pays.
9:30 a.m. — I wake up tired and need something stronger than my at-home Nespresso shot. Pick up a cold brew at By Chloe a few blocks from work. $4.50
12:30 p.m. — Eat black beans, quinoa, lentils, and spinach — food that I meal-prepped yesterday — for lunch. So far so good on saving money on food!
3:30 p.m. — Order new probiotics and a health and nutrition book on Amazon. $52.36
5:30 p.m. — I go for a manicure every two weeks and a pedicure once a month. Since I go to the same salon, I have a loyalty card where you save $10 when you spend $100. I get a manicure and add a 10-minute massage today, and it ended up only being $17 because I receive my $10 off today! I tip my technician $10. (All about giving good tips.) $27.00
7:00 p.m. — Take an Uber home from the nail salon. $9.57
7:30 p.m. — Have a veggie burger, some leftover roasted veggies, and a Kombucha for dinner.
Daily Total: $93.43
Day Seven
9:15 p.m. — Eat a GoMacro bar (purchased at Whole Foods on Sunday) and have a Nespresso shot from home for breakfast.
12:30 p.m. — Pick up lunch at The Smile for me and my boyfriend. Decide to treat him today! $29.40
3:20 p.m. — I have been splurging on lots of beauty products (I’m a natural beauty fanatic — I love all face oils, masks, makeup, etc.). I wandered into Sephora and came out with an RMS Beauty Oil — something I’ve been lusting after for so long. I return some makeup I received over the holidays for a store credit, so I only have to pay $57.27 instead of $87. $57.27
6:30 p.m. — Decide to get some exercise and save money by walking home from work.
6:50 p.m. — Boyfriend is craving turkey bacon, so I stop in at Target to pick some up for him on my walk home. While in Target, as usual, I pick up two new natural beauty face masks and a travel-sized lotion for our beach vacation next month. $15.50
7:15 p.m. — Order rice, beans and chips from Dos Toros using UberEats for dinner. (I know, my rice and beans addiction is very apparent.) $10.67
Daily Total: $112.84
Money Diaries are meant to reflect individual women’s experiences and do not necessarily reflect Refinery29’s point of view. Refinery29 in no way encourages illegal activity or harmful behavior.
The first step to getting your financial life in order is tracking what you spend — to try on your own, check out our guide to managing your money every day. For more money diaries, click here.
Have a money diary you’d like to share? Send it to us at http://ift.tt/2iM3QgS.
Like what you see? How about some more R29 goodness, right here?
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from A Week In NYC On A $75,000 Salary
Should You Still Wax in the Winter?
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For many women, winter is a solid excuse to ditch your razor for five straight months—and there’s no shame in that. Hell, I haven’t shaved my legs since 2013 (full transparency: My hair is so thin you can’t tell unless you’re a foot away).
MORE: Sugaring: Your Naturally Sweet Alternative to Waxing
But waxing is another story: Some of my friends keep up with it throughout the summer, and then stop the second 60-degree weather rolls in. Others prefer to keep it au naturel year-round, and a select few—bless their hearts and wallets—get waxed like clockwork no matter the temps. One of them even tried to convince me that it’s not just better to keep up with it all the time—which has its merits—but that it’s imperative for keeping your skin down there looking young. Yea, okay.
So does waxing year-round have any actual benefits? As it turns out, sort of: The pros are twofold: first, you’re probably less sensitive to the pain, which is true for anything you do often (read: working out). In fact, I recently got a pre-vacation Brazilian, and though I’m solidly okay with the pain level when I go regularly in the summer, this time hurt. Like, really hurt. “It’ll be like your first wax all over again,” confirmed Nandi Wagner, lead esthetician at Bliss Soho. “More time between waxes means more time for hair to return, leading to more pain and discomfort for you.” Truth.
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And second, it’s easier to keep the skin down there hydrated and exfoliated, says dermatologist Jeannette Graf—even if you’re just waxing near the bikini line. Still, there’s no real evidence that skin will look younger, per se. (Sorry, Nicole.) Oh, and if you opt to allow slivers of your leg to show during the winter, as demonstrated above, you don’t have to worry about razor burn. You probably will have to worry about hypothermia, but that’s a problem for another time.
Still, there’s one major difference between taking care of your wax in the summer and in the winter: Summer means full-on humidity, so the possibility of bacteria growth without any hair protecting your vagina is a little higher. In the winter, however, “The dry air outside—and sometimes, the even drier air inside— can dehydrate the skin,” Wagner says. “So it helps to switch to richer creams and oils to keep the skin protected.” We like Fur’s Oil, which will run you about $40, but Avene’s Cold Cream is super thick and emollient, too. It’s made for hands, but as long as you use it externally, it should soothe any rough patches of skin down there, too.
While ultimately, the choice is yours (and there’s really no wrong choice to make), should you decide to keep your pubic hair as-is, make sure you’re exfoliating with AHA or BHA pads (like Bliss’s Ingrown Eliminating Pads) to prevent ingrown hair and dead skin buildup. Fun times, folks.
MORE: The Best Exfoliators for Dry, Winter Skin
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from Should You Still Wax in the Winter?
What the Obamas Did Next
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from What the Obamas Did Next
Sacai Collaborates With North Face
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NORTH FACE TIME: Sacai‘s Chitose Abe, the Japanese designer known for splicing garments into robust hybrids, has collaborated with cold-weather outerwear company the North Face on a small range for women and men. Styles include an oversize parka based on one of Sacai’s best-selling designs, and a spin on the MA-1 bomber jacket fused with North Face features. They’ll be unveiled during Sacai’s fall 2017 men’s show on Saturday, with the full collection due to hit a handful of exclusive retailers and North Face flagships in September. The project falls under the North Face’s new premium concept, The North Face Urban Exploration, which aims to up the fashion quotient of its utility gear. Statement outerwear — trenches, biker jackets, shearlings and puffers — have become a signature of Sacai, so the collaboration makes a lot of sense of that level. It also comes at a time when designer brands are thirsty to co-opt the aura of everyday authenticity and natural street cred that belongs to brands with loyal sport followings, such as the North Face and Supreme, with which Louis Vuitton revealed its high profile collaboration earlier this week in Paris.
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from Sacai Collaborates With North Face
The Best Wedding Venues in the U.S.
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Stop dreaming about your fantasy wedding and start making it happen by tying the knot at one of the best venues across the country.
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from The Best Wedding Venues in the U.S.
Beauty Lounge Minneapolis
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from Beauty Lounge Minneapolis