Mamamia’s Money Diaries asks Australians to record a week in their financial lives. Kind of like a sex diary but with money. So not like a sex diary at all. We still find out the best kept secrets though. We discover what women are really spending their hard-earned cash on. Nothing is too outrageous or too sacred. This week a 31-year-old receptionist tells all.
Industry: Receptionist moonlighting as a dance teacher
Age: 31
City: Melbourne
Salary: $60,000
Housing: Renting with a housemate
Monthly expenses:
- Rent $800
- Netflix $8.99
- Myki $80
- Phone $105
- Health Insurance $72
- Interweb $25
- Adult braces (Invisalign) $320
Assets: Washing machine from the 70s and an iPod
Savings: I can barely spell this word
Thursday – Day One
8.15am – I stayed at my boyfriends last night and even though I try and avoid the cafe near his building I’m less than successful and get a coffee…also accidentally order a toastie, $11.
11am – Check my Facebook and realise I have to transfer $40 cash for a hen’s day I’m going to in a few weeks.
12.50pm – Grab a sandwich for lunch, costs $8.90 (Literally just a turkey and dust sandwich – nothing else).
1pm – I’ve ventured into the city during my lunch break because I’m interviewing for a new job (which I end up getting!) but I need to get back to work ASAP and I can’t wait for Uber. So I get a taxi instead, $12.
7pm – Go for drinks after work with my mate, $12 (Thank god it’s still happy hour!).
Daily spend: $83.90
Friday – Day Two
8.30am – Grab a coffee on the way into work, $4 (Go to the good place as I’m a Melbourne coffee snob).
12.30pm – Go across the road from work and stare at the food options for almost five minutes before deciding on sushi. Almost die when it comes to $17.00 (I should have just got a $10 souvlaki!).
7pm – A few months after I turned 30 I found out I was allergic to wine! Well, I’m allergic to sulfites in wine and I can only drink organic wine. Tonight I’m going to spend the night with the boyfriend and his mates watching the footy so I’ll need to have a drink… And it’s only pre season! I get a bottle of bubbly (jam packed with sulfites) for $12.
7.30pm – We arrive at the boyfriend’s mate’s house where we are watching the footy and they’ve already ordered pizza. Thanks guys!
11.30pm – On the way home the boyfriend and I get an ice cream each from the 7/11 for $8.
Daily spend: $41
Saturday – Day Three
8am – I’m able to persuade the boyfriend to walk to town rather than run and grab a coffee afterwards. He agrees and also shouts the coffee.
12pm – I’m determined to pack my lunch for work all next week. So I venture to the supermarket to get ingredients for avocado on toast, tuna salad and almond meal zucchini fritters. Like an idiot I get everything from the organic section of the supermarket and it adds up to $41.
12.45pm - On the way home from the supermarket realise I’ve locked my keys in the house. My housemate is currently overseas so have to call a locksmith. Pay $120 for the privilege of getting into my own flat.
3pm - Transfer $100 cash for another hen’s night.
7pm - Have a dance teacher gig at White Night Melbourne. I spend the night (like actually the whole night 7pm – 6am) in the city working. Thankfully the Melbourne City Council happily supply us with coffee. My sister comes along and we go for a walk at 3.30am to stay awake. We get calamari sliders from a food truck (Absolutely DELISH!). I shout my sister, but eat her share of the chips, which comes to $16.
Daily spend: $277
Sunday - Day Four
6.30am - On the way home from White Night I go to Maccas, and I’m devastated when I discover they are only serving breakfast (I just wanted nuggets!). Never mind. I get an Aussie breaky burger instead… and two hash browns for $11.
7am to 2pm - Sleep all day and don’t leave the house spend $0 doing so (YES!).
4.30pm - Go to the boyfriend’s for dinner and stop by the fancy wine shop on the way. I’m mindful of my allergies today so I get the organic wine for $18.
Daily Spend: $29
Monday - Day Five
5.30am - Wake up after a nine hour sleep feeling refreshed and go to yoga… but forget to bring a towel, mat, or water. Pay for class and hire of items for $28.
8.30am - Get a coffee on the way to work (get soy because I’m still pretending to be a flexitarian) $4.50.
11.30am - Need another coffee because I woke up at 5.30am to go to yoga $4.50.
12.30pm - Spend my lunch break online shopping because I NEED new white t-shirt as I spilt olive oil on the one I just bought so have a quick look at ASOS… $46 later (I justify this as I’m eating zucchini fritters that I made myself and brought from home!).
10pm - I teach dancing in Yarraville after work which is across the Westgate bridge and I do not want to get PT home. I order an Uber and even take the toll road home $23.
Daily spend: $106
Tuesday - Day Six
7.30am -Transfer money out of everyday account into my savings so I don’t spend my rent money. But I forget health insurance and Interweb is coming out so I’m whacked an overdrawn account fee $15 (… it used to be $9!).
8.30am - The usual coffee on the way to work routine $4.50 – I have considered giving up coffee but I hardly eat meat so I’m not giving up coffee as well!
12.30pm - Tuna salad for lunch which I brought from home. I also brought dinner to have on the train on the way to teaching! #adulting.
10pm - I’m teaching dancing in Yarraville again. Obviously will be getting an Uber home $21.
Daily spend: $40.50
Wednesday - Day Seven
8.30am - I go to my usual coffee shop and realise that they have put up the prices and soy is now $5.00. So I just get a skinny flat white $4.50.
12.30pm - Go for a walk on my lunch break. I fight the urge to get a Diet Coke… but I end up getting one anyway, it’s only $2.50.
6pm - Consider making myself a naughty carb fuelled dinner because my boyfriend is away for a few days with work. I go to supermarket and end up spending $48. I get a bottle of organic wine as well but I finally sign up to Dan Murphy’s club card so I feel less guilty for doing so $12.
Daily spend: $67
Total Weekly Spend $644.40
Top Comments
But where do you get health insurance for $72 per month??
They are infuriating but they really do make you realize how much all the little purchases add up over the week!