Skip ! Story from Living. Welcome to Money Diaries where we are tackling the ever-present taboo that is money.
We're asking real people how they spend their hard-earned money during a seven-day period — and we're tracking every last dollar. Do you ever feel My husband and I have separate finances, so his savings are separate from mine.
We met in school, so everything we've built is together, but I'm more frugal than he is and recognize that he would be very unhappy living at my level of frugality. This works for us quite well.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
It was never a question of if I would go to college. We paid these off about nine years after I graduated, with almost my entire paycheck going towards the loans while we lived off one salary for six years. Growing up, what kind of conversations did you have about money? My family was not one that talked about money.
I remember hearing my parents fight about money a lot and I definitely grew up with the understanding that things were always tight. For example, when my grandfather passed away in China when I was in middle school, my mother went to the funeral but I wasn't able to go due to us not having enough money for my plane ticket. My parents always were able to provide for me and there was always food on the table. I just thought we were visiting people, but looking back we were definitely "homeless" in that our rent was raised and we couldn't afford the increase and so we had to move out.
What was your first job and why did you get it? My mother was approached by a new neighbor when I was 16, who had seen me helping to unload the groceries.
This neighbor was a pharmacy manager of a newly opened store and asked if I wanted a job. I've never really tried any other career path because I was introduced to this world so early on. I've held basically every job there is in pharmacy now from assistant cashier to mid-level management.
Did you worry about money growing up? I was always kind of aware of things, but never really worried about it.
Like most immigrant kids of the '90s, I knew that money was tight but I was always provided for. It wasn't until middle school or high school that I really realized just how tight money was.
I remember hearing my parents fight when I was in seventh grade, sitting on the stairs where they couldn't see me, and thinking that I wouldn't ask for anything anymore to ease their burden. I also remember my freshman year of college my parents had a short-lived financial crisis and I realized they were eating borderline expired food to not have any financial waste.
Do you worry about money now? I don't. I'm lucky in that my husband and I both made and have made substantial salaries since graduating pharmacy school. It wasn't until we paid off our student loans two years ago that we became serious about saving for retirement, but we've maxed out our k s and IRAs since.
In my last job, I also had a pension 7. These s have since been rolled into my current k.
I also now have an HSA, which I will begin maxing out next year. I'm contributing the max of what I can contribute this year, since I recently changed jobs. At what age did you become financially responsible for yourself and do you have a financial safety net?
I got into pharmacy school after completing two years of prerequisites, and I told my parents before I went that I wanted to get my own credit card I was only an authorized spender on their s ly and pay for everything myself. They told me that yes, they'd support me if I ever needed help paying off my credit card since I had always been an overspender up until that point. Do you or have you ever received passive or inherited income? If yes, please explain.
My mother invested this in a CD for me, which I demanded access to because I was a biiiiiiig brat at age She relented again, see the biiiiiiig brat comment because I was a terrible and irreverent .
Day One. My cat complains by smushing her face into my legs even harder. I hit snooze.
I'M UP. I scroll through Reddit for 15 minutes before getting out of bed. The coffee pot brewed coffee at 5 a.
The cat sleepily comes to me and cuddles me with loud purrs until I hear B. We get up this early to have time together albeit very quiet time since he works Monday through Friday and I work Thursday through Sunday each week. I work for one whole hour, then head to my CPR class.
My last job didn't require that I be BLS-certified but my current job does. Four hours of very boring videos and a hand bruise from "chest compressions" later, I'm a proud CPR-certified pharmacist. I turn on Spotify to Disney music so I can mindlessly sing along while I verify prescriptions for the next five hours. I get home around 6, kiss B. He's already fed the cat, so I play with her a little bit, then we sit on the couch, watch our respective shows, and chat briefly about our days. I read until 9 and then fall asleep.
Day Two. Luckily we've gotten used to the sound of trains we've been in our condo for eight years now and a building has gone up that muffles the sound. The cat moves with me to the couch and B. I pour us both coffees so we can have a leisurely morning. I do the same routine at and am out to door for carpooling at I'm at a different station today, so I get to do different things. I problem-solve issues that come up in our facility. This includes everything from blurry images where we can't see the pill image to incorrect day supplies on prescriptions.
I work in a mail order facility, where before I'd been in retail pharmacy think CVS or Walgreens all my life. I break for lunch at and eat lentils that I made last week.
For some reason the security guards are slow conducting their closing duties, so we're not out until almost 6. On the ride back home, I tell my buddy that I'll drive tomorrow. We have a work dinner tonight our boss is treating us to all-you-can-eat hot pot so we head to that. I ate a lot of meat and veggies and ended with froyo, so I'm very very happy. I get home around 9 to find B.
I quickly complete my night routine and head to bed.
Day Three. She then proceeds to step all over B. We both get out of bed and I grab us both coffee. My usual morning routine kicks off at today. I'm out the door by to pick up my carpool buddy. ZIP: 20010 20011 20012 20015 20228 20520 20307 20418 20319 20024 20510 20593 20020 20427 20540 20240 20245 20204 20202 20390 20006 20005 20004 20003 20002 20009 20008 20535 20317 20405 20057 20052 20053 20017 20018 20565 20566 20560 20260 20064 20551 20553 20019 20230 20373 20007 20032 20036 20037 20506 20001 20045 20016 20013 20022 20026 20027 20029 20030 Washington craigslist for sex swing 20035 20038 20039 20040 20041 20042 20043 20044 20047 20049 20050 20055 20056 20058 20059 20060 20061 20062 20063 20065 20066 20067 20068 20069 20070 20071 20073 20074 20075 20076 20077 20078 20080 20081 20082 20090 20091 20201 20203 20207 20208 20210 20211 20212 20213 20214 20215 20216 20217 20218 20219 20220 20221 20222 20223 20224 20226 20227 20229 20232 20233 20235 20237 20238 20239 20241 20242 20244 20250 20251 20252 20254 20261 20262 20265 20266 20268 20270 20277 20289 20299 20301 20303 20306 20310 20314 20318 20330 20340 20350 20355 20370 20372 20374 20375 20376 20380 20388 20389 20391 20392 20393 20394 20395 20398 20401 20402 20403 20404 20407 20408 20410 20411 20412 20413 20414 20415 20416 20417 20419 20420 20421 20422 20423 20424 20425 20426 20428 20429 20431 20433 20434 20435 20436 20437 20439 20440 20441 20442 20444 20447 20451 20453 20456 20460 20463 20468 20469 20470 20472 20500 20501 20502 20503 20504 20505 20507 20508 20509 20511 20515 20521 20522 20523 20524 20525 20526 20527 20528 20529 20530 20531 20533 20534 20536 20537 20538 20539 20541 20542 20543 20544 20546 20547 20548 20549 20552 20554 20555 20557 20559 20570 20571 20572 20573 20575 20576 20577 20578 20579 20580 20581 20585 20586 20588 20590 20591 20594 20597 20598 20599 56901 56902 56904 56908 56915 56920 56933 56935 56944 56945 56950 56965 56966 56967 56968 56969 56970 56971 56972 56998 56999