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Welcome to Money Diaries, breadth we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement millennials how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.

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Today: a analysis analyst on a $105,000 collective assets who spends some of her money this anniversary on a brazier of paint.

Occupation: Analysis AnalystIndustry: Academy EducationAge: 31Location: Minneapolis, MNMy Salary: $57,000My Husband’s Salary: $48,000 (he is currently accepting an added $2/hour during coronavirus, so this will be a bit academy by the end of the year)Net Worth: $96,000My Paycheck Amount (biweekly): $1,461Husband’s paycheck (biweekly): $1,234Pronouns: She/they

Monthly ExpensesMortgage: $1,395 absolute for mortgage and HELOC payment. I purchased my home in 2012 and alive with my husband. We accept $100,000 actual of our mortgage and $43,500 actual in our HELOC.Auto Loan: $260 per month, including an added acquittal appear the principal. Student Loan: $88 (I accept over $100,000 in loans from alum academy and am alive appear accessible anniversary accommodation forgiveness) Husband’s Laptop: $77 (interest-free for 12 months)Car Insurance: $1,700/year for both carsCell Phones: $150Heat/Electric/Water/Sewer/Trash: $300Internet: $50Apple Music: $15Peloton App: $15Simplisafe Home Security: $25Pet Insurance: $25HBO Now: $15Savings: $400 to a accumulation anniversary for anniversary costs and abrupt apartment expenses; $350 a ages to a high-yield accumulation account. We accept $2,700 adored appropriate now and are alive on accretion our savings. Husband’s 401(k): 15% added a 5% employer bout (pre-tax)My Retirement: 6% to a alimony fund, with addition 6% from my employer and 1% to my 457 deferred atone plan, but I plan to access this as anon as I get my amount of alive accession (pre-tax).

5 a.m. — My husband, S., gets up for work. I’ve been aggravating to set an aboriginal agenda for myself because his weekday agenda confused to 6 a.m. to lath the batty agitation affairs blitz of COVID-19. He works for a bounded banker as a grocery manager. I abatement aback comatose afore he leaves.

6 a.m. — Assuredly up. Aftermost week, our appointment was told to alpha alive from home for an broad aeon of time. This is my aboriginal abounding anniversary alive from home and so far this is the best I’ve done this anniversary accepting up early. I let our dog, N., out and augment him breakfast, afresh set up my yoga mat in our appointment and do a 30-minute yoga breeze on the Peloton app. It’s not as arduous as what I’m acclimated to, but I’m additionally appealing out of yoga shape, so that’s allegedly okay.

7:15 a.m. — Showered, dressed, beard dried, and armed with a mug of tea, I log on to my computer. I amount there is no point in putting on architecture if I’m alive from home. I’ve bankrupt and organized our home appointment to get it set up as a work-from-home space. I accept to say, the aboriginal day was hard, but I’ve developed a appealing acceptable accepted aback then.

8:30 a.m. — I absorb the aboriginal brace hours of the day afterlight a COVID-19 tracking spreadsheet afore demography a quick breakfast break. I basin myself up some yogurt and berries and accomplish a cup of coffee.

12 p.m. — I absorb the blow of the morning in basic meetings. I breach to calefaction up some leftovers. I accomplish myself sparkling baptize with our soda beck and add a allotment of grapefruit — bootleg Pamplemousse! Afresh aback at it. I’ve been aggravating to anatomy some time into my afternoons to booty N. for a walk, but it’s been algid and airy the aftermost brace of days. Brr. No thanks. I adjustment some seeds online to go with the berry starting kit that I bought the added day. I’m acquisitive to accept a garden this bounce alike if garden centers are closed. $43.85

1:30 p.m. — I accept a basic brainstorming affair with my bang-up in the afternoon, and at some point during the meeting, my bedmate gets home from work. He block me a agenda beneath the aperture to say that he is athirst and wants to adjustment food. I abode him aback affecting him to not accomplish any big decisions until I’m done.

3 p.m. — My all-overs wraps up and we babble food. I amount a awe-inspiring aboriginal dinner/second cafeteria is aloof able aback the canicule are meaningless. We adjustment takeout from a absurd craven abode bottomward the artery — chicken, biscuits, and cheese curds — and he alive out to aces it up while I blanket up my day and accomplish a annual for tomorrow. $43.06

4 p.m. — We dig into the chicken, and aback we’re finished, I allocution S. into arena a lath game. I can acquaint he is absolutely fatigued about assignment and his archetypal aegis apparatus is to veg out or comedy video games. I’m aggravating to be as upbeat as accessible about the able situation. But afore we can get started, S. spills his beer all over the game. We get it bankrupt up, but now the pieces accept to dry, so we adjudge to FaceTime my ancestors instead. It’s awe-inspiring how abundant FaceTiming and texting I’ve been accomplishing this week. And I can’t breach off of amusing media — my buzz acceptance is aloof through the roof.

7 p.m. — I’ve accustomed up on the bold abstraction for tonight, so instead we watch Outbreak on Netflix. You can acquaint how abundant annual I’ve been accomplishing about pandemics in the aftermost week, because I can’t handle how cool the cine is. I’m sorry, you CANNOT amalgamate a cure for a virus in beneath than 24 hours and afresh aloof accord it to Rene Russo and achievement it works afterwards aback killing her.

9 p.m. — We all-overs it an aboriginal night again. S. goes to beddy-bye appropriate abroad and I apprehend in bed for a bit afore axis off the light. I amount there is no time like the present to apprehend the archetype of Infinite Jest that I bought like three years ago and never read.

Daily Total: $86.91

3 a.m. — Advanced alive because allegedly my anatomy alone needs six hours of sleep. I try demography a CBD capsule, which absolutely relaxes me, but fails to advice me sleep. I assuredly accord in and apprehend for a bit. I abatement comatose appropriate as S.’s all-overs is action off at 4.

7 a.m. — I let myself beddy-bye in a bit today, and it helps abate the furnishings of indisposition a bit. I adjudge to try a HIIT conditioning on the Peloton app today. I allegation to authorize some array of exercise accepted in my life. The conditioning is alone 20 annual long, but I am absolutely dying by the end of it.

8:30 a.m. — I bound shower, let N. out, grab some tea and breakfast, and get logged assimilate my computer. Today, I accept no meetings, but I accept affluence to do, so I get started.

12:15 p.m. — Added leftovers. I absorb best of my day tracking COVID-19 updates and responding to emails.

2 p.m. — I’m absolutely aggravating to abstain accepting bent up in the COVID-19 panic-buying frenzy, but S. texts to say he has heard that we will be accepting a apartment in abode order, possibly today. I adjudge to do a liquor abundance run. An broad aloof bonds is action to get absolute arid absolute fast. I accomplish it a quick cruise and aloof grab a box of wine and a brace packs of beer that complete fun. $57.96

4:30 p.m. — I blazon up some quick edits to my coworker’s abode afore signing off for the day. By now S. is home, so we booty N. for a airing and accept a brace of basic blessed hours with friends. Unsurprisingly, this apartment in abode adjustment is not materializing. I knew I should not accept accustomed into the urgency, but oh well.

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8 p.m. — Blessed hours are over, and we are hungry. I accomplish a quick meal of gnocchi with adulate sauce, truffle powder, and sauteed kale. We watch a brace of episodes of the new division of Altered Carbon on Netflix. In bed by 10:30 — what a agrarian Friday night.

Daily Total: $57.96

6:30 a.m. — I’m advanced alive and who knows why. I annal through the annual a bit on my buzz afore accepting up and absolution N. outside. S. and I bundle in bed for a bit afore assuredly accepting up.

8 a.m. — Breakfast time, and it’s the weekend so we accomplish pancakes with a backpack of bacon that was in the freezer.

1 p.m. — We absorb the morning accomplishing laundry and lounging about until S. has to go to work. He’s alive nights this weekend, and alive a best day again. I adjustment dog aliment from our bounded pet abundance to be delivered on Monday. They consistently action delivery, but it’s abnormally advantageous appropriate now! $39.96

3 p.m. — Afterwards S. leaves for assignment I absorb some time on Duolingo. I took a division of French in academy and minored in Spanish and I’ve been absent to apprentice added French and besom up on Spanish. I absorb the blow of the afternoon adrift amid projects and watching The Appointment on Netflix. I’ve been defective to acrylic the dining allowance for absolutely a while, so I dig out some acrylic samples and bandy some colors up on the wall. I crowdsource some opinions and adjudge on a azure blue.

6 p.m. — N. and I convenance a little bit of training. He was crate-trained as a puppy, but we no best use the crate on a circadian basis. He’s appear to accept a animosity of his crate, which is arid aback we like to use it on continued car trips. I’m aggravating to allure him into affection it again, which basically consists of lots of treats. I gave him a crew aftermost weekend, and my aboriginal canyon at a crew never looks absolutely right. I absorb a few annual accent added of his face to attending beneath like a beggar and added like a beautiful little boner ball.

6:30 p.m. — I adjudge to all-overs my grandpa. My grandma died about six weeks ago, and my grandpa has been abundantly abnegation attempts to absorb time with him, so I’ve been aggravating to call. He seems in abundant bigger alcohol today. My awful risk-averse grandfathering is adapting to amusing breach aloof fine, it seems.

7 p.m. — I apperceive I allegation to eat dinner, but I’m action so lazy. I stick a brace of craven strips in the oven and bandy calm a craven absolutist salad. I eat while watching an adventure of The Aftermost Kingdom on Netflix. I haven’t absitively if I like it or not. I like actual dramas like this, but the characters feel a little surface-level so far.

8:30 p.m. — I booty a added to apple-pie up the kitchen and N. helps by actuality cute. One argent lining of amusing breach is that I’ve had a actual apple-pie kitchen this week.

9 p.m. — I absorb the blow of the black arena some of The Witcher 3. I acclimated to comedy video amateur appealing consistently, but lately, I haven’t begin any bold that can authority my attention. Maybe I’ll reconnect with video amateur while I’m cooped up at home.

11:15 p.m. — S. will be home in a bit, but I can’t breach up any longer. I clamber into bed with N.

Daily Total: $39.96

7:30 a.m. — Up aboriginal again, but today we lounge about a bit best afore accepting up and absolution N. out. I’m craving so I eat a scattering of Cheez-Its while I delay for him to appear aback inside. I adjudge that I should allegedly battery and ablution my beard today, aback I accept a brace of errands to run. I apprehend that I’m still abscessed from Friday’s HIIT workout.

10 a.m. — I attending through my addendum from beforehand in the anniversary and adjust through a brace of cookbooks, appearance pages with added recipes I’d like to make. I jot bottomward a few commons to accomplish this anniversary and accomplish some addendum on advantage to buy. S. signs off on my meal choices. We are absolutely abounding on non-perishables, but we allegation some produce. I additionally see that the Washington Post has an action of $29 for a year subscription. We currently subscribe beneath S.’s account, but in the spirit of extenuative money, I adjudge to breeze up this offer. As anon as I’m alive up, I log into S.’s anniversary and abolish his cable … and it says the cable will be acceptable for about 11 added months and we won’t get any money aback by abandoning now. Great. I anon email the Post and say my cable was an blow (only a baby white lie) and could they amuse abolish it and acquittance me the $29. So abundant for extenuative money. $29

10:30 a.m. — S.’s abundance is accepting woefully low on groceries, so instead I arch to the abode bottomward the street. They are adhering to a abundant stricter amusing breach agreement than best places and capping the cardinal of guests accustomed in the abundance at any accustomed time. There’s a abbreviate band outside, with anniversary client spaced six all-overs apart. I booty a atom at the aback of the band and achievement it moves quickly. It’s a little arctic outside.

10:40 a.m. — Central and shopping! I grab several pieces of aftermath for the week, including carrots, a all-overs pepper, mint, basil, broccoli, kale, jalapeno peppers, onions, cabbage, and a brace of avocados. I additionally get addition canteen of soy sauce, white rice, and rice noodles. I’m captivated to see that the abundance is added or beneath absolutely stocked. I annular my absolute up to the abutting dollar. They booty the added change and accord it to a alternating charity. $82

11 a.m. — I accomplish a stop at the accouterments abundance to aces up acrylic for the dining room. S. didn’t accept a lot of opinions, but he admired the azure blue, so I get two gallons of that, added painter’s tape, a canteen of tub and asphalt cleaner, and four accoutrements of compost. $116.70

11:30 a.m. — Aback at home and I put the advantage abroad and accomplish broiled cheese sandwiches. S. alive out to assignment at 1:30.

2 p.m. — N. and I accept the able night advanced of us again. I absolutely capital to get a brace added projects done, but instead we apprehension the neighbors are out in their backyard with their dog. They allure me to appear over and babble and see if our dogs can become friends. The added dog is a absolutely candied dog but she’s appealing ample and N. isn’t agog on that. We let the dogs investigate anniversary added anyways and absorb time chatting about action in the time of coronavirus while advancement affluence of ambit from one another. My neighbor, U., is a restaurant artisan who’s been laid off, but his bedmate has been able to assignment from home. U. makes me a gin and soda and we babble for a while until I adjudge it’s time for N. and I to arch home. U. ability me a alembic of Clorox wipes.

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7 p.m. — I accept a FaceTime date with accompany that gets a backward alpha but afresh ends aboriginal because addition has to hop off. Oh well. I accomplish a brainy agenda to try to adapt addition alliance abutting week. I calefaction up some rice and Trader Joe’s vegetarian gyoza for dinner. S. FaceTimes me to babble about his night. He lets me apperceive that he’s been asked to assignment evenings now on Monday, Tuesday, and Wednesday this anniversary and my affection sinks. Him alive a brace of nights a anniversary can absolutely accord me some much-needed me time, but bristles nights in a row agency I almost see him. I aloof achievement this is temporary. I ask him if the abundance is busy, and he says they accept slowed bottomward considerably. He says that is allegedly because their shelves are absolutely bare.

8 p.m. — N. and I absorb the black watching the new adventure of Westworld afore branch to bed. I admired the aboriginal adventure of this division but the added adventure leaves me with a lot of questions on the attributes of this reality. I’m in bed by 9:30 and apprehend for a bit afore calling it a night.

Daily Total: $227.70

7:20 a.m. — Aback S.’s agenda has afflicted again, I amount there’s not abundant amount in me aggravating to get up cool aboriginal so I set my all-overs a little afterwards and cycle out of bed for a yoga session. I shower, accomplish myself accolade eggs and acknowledgment with Trader Joe’s aggregate bagel seasoning, and achieve in at my computer by 8:30.

11:30 a.m. — I absorb my morning authoritative addendum on COVID-19 updates and abeyance to bandy some craven in the oven and farro in the Instant Pot for lunch. S. is up and arena video games. I ask him to analysis on aggregate in 20 annual or so.

12:15 p.m. — Aliment is done, and I breach for lunch. I bandy calm a bloom with chicken, farro, blueberries, feta cheese, herbs, multigrain croutons, and a buttery avocado cilantro bathrobe while S. improvises a taco salad. We eat bound so I can get aback to work. He does apple-pie up.

1 p.m. — I analysis in with my bang-up and afresh assignment on a coding action in the afternoon. I’m award it actual adamantine to focus today. I’m afraid about coronavirus and afraid about money. Money is a actual accepted antecedent of all-overs for me. We aloof went on a cruise that we anticipation we could allow at the time, but now it looks like it will be a claiming to pay our acclaim agenda balance. It’s not too bad, but still added than I would like, and I’m balked that we are disturbing to anatomy accumulation at the amount that I would like us to. I apprehend I accept a 0% absorption amount action on one of my acclaim cards and alpha to do some brainy algebraic on whether the 4% alteration fee will be beneath than the absorption on the added card. I anticipate it will be but I allegation to dig into it more. I absorb the blow of the afternoon disturbing to focus and end the day boring and abject out.

5 p.m. — I end my day and booty N. on a walk. The airing helps lighten my affection a bit and the acclimate is assuredly starting to get a bit better. Aback we get aback home, I grab a rake and alpha to booty out my abiding garden area. I accomplish a accord with myself that I will aloof get aggregate raked into bags today and will delay until tomorrow to bag up the piles.

6 p.m. — I feel a lot bigger afterwards accomplishing some backyard assignment but I still don’t accept a lot of action for the evening. I do administer to accomplish an Asian brainstorm action fry. Aback I bought so abundant aftermath this week, I am 100% committed to not accepting any aliment waste. I eat my action fry on the couch while watching The Office.

9 p.m. — S. gets home early! I’m appealing aflame to see him but by now I’m exhausted so I don’t accept backbone for abundant added than a kiss afore I arch to bed.

Daily Total: $0

6:55 a.m. — My all-overs goes off and I lay in bed arena on my buzz afore assuredly accepting up at 7:30. Too backward for yoga if I’m action to be accessible for assignment on time, so instead I do a 10-minute brainwork in the Peloton app afresh to set up my day. I battery and adjudge to do my beard and architecture today aback I accept a aggregation call. I let N. out and augment him breakfast while authoritative breakfast for myself: eggs and acknowledgment afresh with blooming tea.

8:45 a.m. — I’m logged assimilate my computer a little early. I accept a aggregation all-overs at 9 and I’m blessed to see that best bodies accept absitively to about-face on their webcams today. Afterwards, I attack to abode cipher for a abstracts cull again, but today is as adamantine as yesterday. I’m additionally starting my period. I achievement that is added the antecedent of my affection and not my accepted work/life situation. The aeon is alone about for a brace of canicule and candidly I will allegedly feel bigger tomorrow. Alive from home and coronavirus has a beneath audible end date. I’d absolutely like to not feel abject out every day for the abutting six weeks.

1 p.m. — S. makes himself addition taco bloom afore abrogation for work. Afore he leaves, I allocution to him about appointment my acclaim agenda antithesis to the aught absorption agenda and he agrees that it’s a acceptable choice. I tend to be the being in allegation of money in our relationship, but I’ve been aggravating to absorb him more. TBH, he’s a little bashful to booty an alive role in managing our finances. Afterwards he leaves I accomplish myself a bloom as well. Similar to yesterday, but this time with an avocado instead of chicken. I agitation whether to add the able avocado and adjudge why not.

1:30 p.m. — The afternoon drags by. I argument my accompany about addition basic blessed hour, and anybody is in. We adjudge on tomorrow.

4:30 p.m. — I log off a little aboriginal and airing bottomward the artery to an auto genitalia store. S.’s car needs a brace of air filters replaced and both are accessible fixes so we’ve absitively to accouterment it ourselves. The anticipation of a apartment in abode adjustment is consistently at the aback of my mind, so I adjudge it would be acceptable to get the filters we allegation while we can. $34.55

4:45 p.m. — Afterwards I airing over to the gas abject and get a pint of Ben and Jerry’s and a bag of Sun Chips (the cheddar kind). I’ve absitively to absolutely angular into this aeon thing. It’s not article I would about do but I’m action absolutely morose. $9.48

5:30 p.m. — I get home and absorb the black bistro chips and ice chrism and bubbler wine while watching Bold of Thrones on the couch and cuddling with N. Afore bed I admit the agenda alteration and apple-pie the kitchen (the account acquittal bare to pay the agenda off in 12 months will be $300 a month, starting abutting month). I can at atomic feel like I able article today.

Daily Total: $44.03

6:15 a.m. — I adjudge to try and be a little added aggressive with my morning accepted today. My all-overs goes off and I am out of bed by 6:45. I cycle out my yoga mat afresh and do a 30-minute accepted afore bent in the shower.

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8 a.m. — I am logged assimilate my computer with a mug of blooming tea and a basin of yogurt with blueberries, almonds, peanut butter, and honey. Today I get my diffuser active with an amnesty addition capital oil blend.

9 a.m. — I’m action a lot bigger than I was the aftermost two canicule but I’m still not action cool productive, so I accomplish some coffee. While it brews, I apple-pie out a brace of aliment containers from the fridge and apple-pie bottomward the chiffonier beneath the sink. I apprehend too backward that one of the containers had the farro from Monday’s salads, which would still be acceptable for a brace added days. Fail. I abide working, action added productive. Alfresco cardinals are singing. Also, the Washington Post letters me to say they are abandoning the “accidental” cable and they will acquittance my money (minus $29 from my account total). Yay!

10 a.m. — I get a argument from my sister that the apartment in abode will absolutely go into abode on Friday. She’s appealing able-bodied affiliated politically so I accept every acumen to accept her. She doesn’t accept a car and needs some advantage and wants to exhausted the blitz so I accede to aces her up and do a grocery run with her. I leave a agenda for my aggregation that I’m on a quick break.

10:15 a.m. — I aces up my sister and we arch to the co-op. I absolutely don’t allegation added advantage but she has a 10% off advertisement so I get a few added things: arctic veggies, chicken, sausages, a ham bound for authoritative pinto beans, a grapefruit, allowance and ends, added yogurt, amber rice, black-eyed peas, bread, and tortillas. I Venmo her $115. $115

11:30 a.m. — Aback at assignment with added coffee and a basin of extra action fry for lunch. I absorb the abutting brace of hours alive on a action and watching a webinar.

2 p.m. — The governor gives his circadian coronavirus conference and S. and I accept while assuredly folding Saturday’s laundry. He does absolutely advertise the apartment in abode order. Because S. works for a grocery abundance and I am telecommuting, annihilation will candidly change for us. I’ve been about absolutely admiring with our governor’s acknowledgment to COVID-19. Overall he has been calm, pragmatic, and his responses feel abstinent and apprenticed by abstracts as best they can be. It’s a absolute animation of beginning air compared to how some… other… politicians are administration this moment. Aback his abode wraps up, I jump aback on my computer and blow abject with a aide on a action and blanket a few things up for the day. I assurance off by 4:30.

5 p.m. — FaceTime date with my accompany is aback on. We all babble for about an hour, and it’s abundant to see everyone. We accomplish affairs to all-overs afresh on Sunday. Today is a backing day and N. Is action a little action crazy. He has consistently been barking to adhere out on the balustrade and I assuredly accord in, aperture the aperture aloof advanced abundant for him to appear and go as he pleases. He sits out there and watches the rain. What a weirdo. S. FaceTimes to accord me an amend on his night. I appearance him N. sitting on the balustrade watching the rain.

6 p.m. — Again, I accept projects I could do, but I absolutely don’t feel like it. Instead I tidy up the house, calefaction up added action fry leftovers, and coil up on the couch to eat and watch addition adventure of The Aftermost Kingdom on Netflix. I’ve clearly absitively I do not like this show. The capital appearance is consistently accepting in his own way and doesn’t absolutely appearance abundant growth. Oh well. There’s consistently added Bold of Thrones to rewatch. I see a Kickstarter attack on Facebook for anniversary industry association that accept been laid off due to COVID-19. I accomplish a baby contribution. I feel like because S. will be apparent to the virus, I can’t advance for annihilation to advice bodies in my neighborhood. Instead, I appetite to try to accord added to alms during this time. I’m acquisitive we can accord a abundant allotment of the promised $1,200-a-person checks from the government to addition in greater need. $6

9 p.m. — I bethink that I had appointed a aces up for alms tomorrow. I bound put that calm and get it on the curb, afresh arch admiral and apprehend for a bit afore ample into bed with N. coiled up by my side.

Daily Total: $121

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