J A N E
1. Rover/Wag: I’ve been dog sitting/walking as a form of supplementary income for a few months now (see: all of my Instagram stories of random adorable dogs), and it’s an extremely rewarding side gig. I work from home and live alone, so it’s easier for me than most, but there is an “Uber for dog walks”–esque feature where you get instantly matched to dogs that need walks in your neighborhood.
2. Poshmark/Depop: I’m not gonna lie to you, almost every member of Poshmark and Depop is annoying af. But if you can get past that, you can make some easy cash with things that are lying around in your closet (or even unopened beauty products, I’ve done it).
3. Staff Me Up: Staff Me Up matches you to short- or long-term production crew/PA jobs in your area. Great for finding fast, reliable work if you’re in between freelance gigs.
J O R D A N
1. PocketGuard can help guard you against spending too much, which, duh we all need. It links to all your financial accounts and helps you track your spending throughout the month compared to your budget, and based on your spending, helps you find deals.
2. YNAB (You Need a Budget)—If you’re Type A, this is for you. YNAB takes a unique approach to budgeting apps. Rather than relying on traditional budgeting buckets, you build your budget based on your income, giving every dollar a job. Those jobs include everything from living expenses to debt payments to savings and investments. Leaving no dollar unaccounted for forces you to think about every dollar you spend.
3. If you need a good pat on the ass to get your money into gear, think about getting a financial planner. Women are really underserved in this community. The Foundation for Financial Planning is a nonprofit that works to help people get their finances planned pro bono! Free is always a great thing.
Fashion Director / 33 / NYC
Location: Manhattan, NYC
My Salary: $375,000 base plus annual bonus of up to $75,000
My Paycheck Amount (2x/month): $12,332
Health Insurance: $53 monthly
Student Loan Payment: $0
Credit Card Payment: $0; I pay balance in full and didn’t use it last month
Cell Phone: $120
Gym: $190, but it’s not open until end of month
Dry Cleaning & Laundry Service: $50 weekly
Monthly Expenses (BF and I split the following)
Utilities: $300. We love A/C.
$150 Internet + Cable
$55 Netflix, Hulu, and a handful of add-on premium Amazon Prime channels
$100 annually for magazines and the New York Times Sunday issue
Housekeeper: Currently $0 while we vet new services
All Other Monthly Expenses
Recurring Charitable Payments: $100, The Audre Lorde Project; $100, Planned Parenthood; and $100 Environmental Defense Fund
Renters & Jewelry Insurance: $100
Sunday: Lazy late-morning start. BF and I go to the Met around 12pm via subway. We are NYC residents so only pay-as-we-wish for admission. He pays. $40. I intermittently fast, so for my breakfast, I grab a salad and sparkling water. $25. Before we get on the subway, we grab drinks at a bodega. He pays. $4. We take the subway home. Sushi for dinner. I pay. $56.
Monday: Citi Bike to my work. I have an annual membership. I live close enough to my office that I can bike to work, and I love it! My commute is often my most favorite part of the day. It helps me compartmentalize stress and the endorphin boost keeps me balanced on those hard mental health days. I have sushi for lunch with our founder. She pays. Citi Bike home. BF and I order take-in from a Mediterranean restaurant. I pay. $57. We watch Who is America? I make the shopping rounds online and grab a new dress, shoes, and a bit of skincare and makeup. $1,482.
Tuesday: Citi Bike to work. Meetings all day, and I pop out for lunch around 12pm and grab my usual grilled salmon and cucumber salad from Essen. I also buy a bit of fruit. $22. I leave work a little early to make it uptown in time for my facial appointment with Jordana Mattioli. Taxi, $24. Facial, $400. Subway home. We have sushi at our local neighborhood place. $54. BF pays. I should probably watch my mercury levels.
Wednesday: I take an Uber to work because the weather is soggy and miserable. $11. During the ride, I pop onto Amazon and re-order some doggy supplies and vitamins and pre-order a book my best friend recommended. $67. My day is wild, and I don’t have a moment to grab my usual lunch. I order a sad baby salad from Caviar. $19. I find an orange in the office. It’s my best friend’s birthday and I send her an e-gift card to her fave workout cycle house per her request. $150. Citi Bike home. I start my period and feel like shit, so I go to bed super early and skip dinner.
Thursday: Citi Bike to work. Starbucks isn’t super busy so I grab an iced dirty chai, RXBAR, and some gum. $12. Work is bananas and I eat the RXBAR for lunch. Citi Bike home. Eat BF’s lunch leftovers for dinner and get into bed early with a book.
Friday: Citi Bike to work. Meet a former work friend at the Soho House for a lunch. I pay, $90. Head back to the office. Attend the company happy hour and leave around 7pm. My feet are killing me, so I take a taxi. $15. Meet BF for dinner at our fave Vietnamese restaurant. $45. He pays and brings me comfy shoes to change into. An angel.
Saturday: After a morning bike ride, BF and I grab lunch. $50, I pay. Later in the afternoon, I have my hair color touched up at Sally Hershberger by Aura Friedman. I like to go every three months or so because my roots never look like tacky outgrowth, and I can delay the four-hour-appt. commitment. Taxi, $19. $650 for color, blow-dry, and gratuity. I Citi Bike home from the appointment. I do some damage online with my employee discount. $2,807. We get Greek food for dinner. I pay. $43.
Receptionist / Writer / Freelance Social Media Consultant / 26 / la
Occupation: Receptionist/Writer/Freelance Social Media Consultant (Basically, I majored in journalism in college.)
Location: Los Angeles, CA
My Salary: About $21,000, as I only work part-time. A lot of my spending money comes from Poshmark sales, my Patreon, and freelance social media work.
My Paycheck Amount (Bi-weekly): About $800–$1,000, depending on how many Jade face rollers I can shill. I also have a Patreon for my book, which brings in about $290 every month, and I bring in another $200–300 a month from freelance work if I’m lucky and Mercury isn’t in retrograde.
Health Insurance: $0 (Don’t tell the Republicans)
Student Loan Payment: $0 (I owe about $40K with interest and get them deferred. I think that year in the south of France was worth it???)
Credit Card Payment: $0; I* closed all of my credit accounts when I lost my job in fashion last year. *I didn’t close them. Capital One closed them. Mind your own business.
Cell Phone: $95
Rent: $650 (This is unheard of, and I live in South Central—please stop moving here. I beg of you.)
Utilities: About $65 a month. I have four roommates.
Cable/Internet/Streaming Subscriptions: $37
-Audible (I don’t want it but forgot to cancel a trial and you lose all of your credits if you cancel!!!)
-I also have a few magazine subscriptions like the New Yorker and Food Network
Magazine. I like to buy them when they’re on sale on Amazon!
Transportation: $568.75. I don’t own a car and fully realize I could with how much I spend on Ubers. Again: mind your own business.
All Other Monthly Expenses
Pet Insurance: $64.97
Sunday: I open at work today and by the grace of God wake up early enough to take an Uber Express Pool to get to work, which makes things much cheaper than when I’m rushing out the door and have to take an UberX. I don’t really give myself too much credit because I forgot breakfast and lunch, so I grab a Subway croissant. I also donate to a Twitter pal’s GoFundMe to replace her laptop and go to Erewhon, which is my arch nemesis in supermarket form, TWICE and also buy a Groupon for Brandless because I’ve been wanting to try it for a while and have no self-control. Since the day has already spiraled out of control, I take an UberX home and also treat myself to late-night Taco Bell. $99.19
Monday: I don’t work Monday–Wednesday, which is great because I can work on my book and list old clothes on Poshmark. I run to CVS to buy some cleaning supplies for the house along with tampons, tequila, and a new bottle of Seche Vite. $57.32
Tuesday: I sincerely don’t leave the house today and get a lot of writing done, which doesn’t stop MoviePass, the greatest scam I’ve ever heard of, from charging me for the subscription I canceled like two months ago. $9.95
Wednesday: I have a Sallie Mae savings account and it’s set up to automatically transfer money each week. It’s probably the only good financial decision I’ve ever made even though it’s not much. Squarespace also sneaks up on me and charges me for my ~*custom Gmail*~ account. $15
Thursday: My rent is due on the 15th instead of the 1st; it sounds cool in theory but it’s actually the worst and I’m still getting used to budgeting for it like a normal person (see: my Monday). I walk to the post office to get a money order, and also close at work today so I have enough time to use my trusty, money-saving pal, Uber Express Pool. I haven’t gone grocery shopping in a while because I’m reckless and live life on the edge, so I grab some chips near my job. I take an Uber Express Pool home and don’t have to worry about spending anymore on food because I’ve recently decided to give intermittent fasting a try. $681.98
Friday: I work again today. I’ve finally stopped living in luxury and bring lunch and take Uber Express Pool to and from work. (She’s learning!) $18.99
Saturday: I was scheduled to work but had to call in last minute due to a housing situation (never have roommates) and don’t spend anything. Google had other plans for me and my storage plan. $1.99
Sunday: I’m off this Sunday, so no need to Uber anywhere! I finally shake down my roommates and collect money for our internet bill and pay it/change the password back for them to use it. (Again, never have roommates.) I run to CVS again because I need more tequila, sunscreen, and laundry detergent. I also order some Juul pods on Postmates because I don’t live near a gas station that sells them and I found a free delivery promo code I found on Reddit. $73.96