Just yesterday I hit free twitch turbo partner on twitch after roughly 5 months of streaming (somewhat) consistently. Today I'm hoping to share some decent advice and give my own (learned) opinion on some of the frequent yet not always useful tips shared around here.
Before writing this I did a cursory search through the subreddit for frequently asked questions so hopefully this answers most of the ones that I myself have any experience to answer.
My simple request: I'm not going to be posting any links to my stream or anything but if you go out of your way to find it please don't follow/subscribe to the channel unless you are genuinely interested. Thanks big boss.

Should you stream?

If I have to read another thread or comment of a person asking if they should stream I am going to scream. What do you people expect to hear? Yes, please stream the world needs you, you will be rich beyond your wildest dreams and have all the clout to have ever been cloutted.
I know people who usually type out questions like that probably don't read posts but here is a hack I've used to answer my own dumb questions through out the years. Say that shit out loud and respond to it like someone asked you the question. Nine times out of ten, you end up answering it yourself and on the off-chance you actually don't you should have a more actionable question.
Example: Instead of asking "should I stream?" you end up realizing the only thing holding you back is having no mic or something. The question then becomes "I want to stream what's a good cheap mic?". Which is a lot better and doesn't make people want to pelt you with rocks.
For those of you who ask "should I stream or is it a waste of time?" please, I BEG YOU, stop. Most of the shit you do is a waste of time, you either want to stream or don't. Make a decision based on that.

Webcam, do you need one?

This question is asked so often that I see it every time I come on the subreddit. Unsurprisingly, the answer is always the same as well, yes you do.
However I disagree.
I have never streamed with a webcam, not a single time, yet I'm still here and somehow managed to get partnered.
Now, I know why every one parrots the same advice, it is because the people making tip threads, youtube videos, etc., all say to use a webcam. Harris Heller said it once and I'm pretty sure that was enough for the people who copy and paste what he says in text threads here to become their mantra.
The truth is, all that matters is the content. Ask yourself do you do/want to do a lot of react/just chatting content? If so, you probably want a webcam since your content will focus around reacting to content. Lirik doesn't use face-cam because his content is his gameplay and commentary, not his face. Corpse literally blew up and is famous for not showing his face (even though he is still a personality).
I know the whole "Lirik doesn't use a face cam" argument is going to be met with people saying "exception not the rule!!!" but seriously, just use your head. Half the people you watch probably don't need face cams. MoonMoon probably doesn't need a face cam, Critikal didn't have a face cam until he already had over a million subs on youtube, schlatt didn't either, Dream doesn't, AdmiralBahroo doesn't, almost every DBD streamer I watch doesn't, just think for yourself.
The point I'm trying to drive home here is not just that a webcam isn't required, but also you need to look at what you want to create and decide for yourself.
Edit: I saw someone say somewhere that you need a webcam for sponsors. That's cap. I've had a sponsor and nobody has seen this ugly mug.

Equipment in general

People like saying that they need this this and that before they start streaming. This is just stalling. Until last month I hadn't owned a desktop PC my whole life. Before that it was just laptops and using my phone to read chat or look up things. You obviously need SOME equipment to start, i.e. a computer and some form of internet connection, but that doesn't mean you need to pick up a shure, a streamdeck, 4 monitors, 6 consoles, and whatnot.
Here is my setup. Keep in mind I literally just upgraded this last month after saving up for several months:

• Blue Yeti: Hell ya baby got a free game with it too so I'm for sure pleased with this purchase. Edit: I recommend shopping around for mics since the yeti isn't as much of a "get this for streaming" mic as it once was. Plenty of good options out there for cheaper
• Two BenQ monitors: Like I said, I was using my phone for chat but that got old fast. These monitors are cheap and 144hz. There are some color issues but eff it I barely notice anymore
• Streamer PC from NZXT: My old laptop was from 2016 and made editing literal hell. Averaged 3 crashes every time I would try and render (and the renders took about an hour). Upgrading to this was the most worth purchase I've ever made. Also, the streamer PC got upgraded since I purchased, so you can grab a 2070 instead of the 2060 ti like I have :)
• Red Dragon Keyboard and Mouse: I'm a cheap ass so when I see light up peripherals for like 40 bucks total I am sold.
• Earbuds: Legit don't know the brand. I stole them from my sister like a year ago. I prefer these over a headset anyway since I don't want that gamer dent lmao

For those of you who are probably saying "GROSS A PRE-BUILT" remember that part prices are actual aids right now, not to mention the availability of even finding good parts. If you have the cash go pre-built that shit is amazing.
My recommendation:
Stay with your shitty set-up as long as possible but make sure to pick up a good mic first. Big streamers (looking at you Ludwig) shit on the Yeti, but straight facts all you need is to EQ that shit a lil bit and nobody will bat an eye. You don't have to pick up the Yeti (there are lots of cheaper options) but that's just the one I and many others have gotten since it is reliably a good ass mic.
Audio <- chat engagement <- pc upgrade

YouTube

How many people have to tell you bums to focus on YouTube before you do it? Twitch sucks ass. I'll say it, i'm brave. No discoverability, especially to those of you at the very bottom. Make a goddamn YouTube and start pumping out videos, it is not hard.
Ludwig made a power point on how to be a streamer that talks about a few things but the most important point of all was what he said on creating content for stream/YouTube. This isn't the exact timestamp but it do be close: https://www.twitch.tv/videos/896089267?t=01h24m14s
That advice is coming from a top streamer who also has over a million subs on YouTube by almost exclusively taking twitch vods and editing them for YouTube.
As for getting views on your videos here is my advice from my personal experiences:

• Thumbnail and title are important but there are outliers that can thrive without doing shit. One guy I saw has their most watched video (over 250k views) with a title like "[game] [character] gameplay" and the literal default thumbnail that youtube makes. AND to top that off it was just a VOD from their twitch channel.
• Audience retention matters. There is a reason massive YouTubers have these weird zoom in pans and flamboyant gestures all the time. Lots of movement and noises keep our tiny attention spans happy and frequently cutting is usually the key to success, although don't overuse it. I do very light edits and have been growing but that's more of my personal preference rather than a growth strategy.
• Respond and engage. If you have one comment on your video and they are complimenting you, why aren't you responding? This is by far the easiest way to get someone to continue to engage with you and trust me, that is the most important thing in the algorithms eyes.

My understanding of YouTube

So obviously, clickthrough rate and audience retention are the things that are constantly brought up when talking about gaining more views and what not, but I am fairly comfortable in saying that there are other metrics that you should be paying attention to.
Let me hit you with a something that would make Dream shake in his boots. I don't subscribe to anyone on YouTube. *gasp*
The reason for that being, I almost always have the videos I want to see on my home page. I never have to go, "wonder if x YouTuber made a video" since YouTube knows I watch and enjoy their stuff. The question for most people being, how does YouTube know what people like and how does it suggest it to them? Basically, by seeing how often people engage with your content AND also what type of content you create. (although keep in mind, youtube tries to throw new videos at you a lot as well, these are usually in-line with content you engage with though)
For engagement, think of it as like affinity points in a video game but in reverse. Before you get to bang that smoking hot sim, you got to woo them. Every time someone likes your video they get a point, every time they comment they get two, every subscription counts as like 10, watching an entire video might be 20, etc. Obviously, these are made up values but I hope you follow what I'm putting down here. Once they get enough points you start showing up more in their home page.
I know this because I have a different account on my phone that doesn't have the same suggestions as my main account because I watch different things on my PC than my phone. However, I do like to look at the comments while I'm taking a dump or something. Problem was, my videos were rarely every recommended. I solved this easily by liking a couple videos. I didn't even watch them, just liked and read comments. LITERALLY NOT EVEN SUBSCRIBED AND I GET NOTIFICATIONS ON MY PHONE SOMETIMES WHEN A VIDEO DOES WELL!
In other words, by getting people to like and comment on your videos you are almost guaranteeing they see future videos from you.
Now, keep in mind, engagement is only a small portion of the whole pie. And even though you might engage with a content creator often, there is still a chance you miss some of their videos because of one other reason, the content's genre.

Content Genre

You might have noticed this phenomenon on various different creators YouTubes, but sometimes they create a video that bombs. Usually, this happens when they create something outside of their niche. This could be as simple as changing games, or as radical as changing the entire direction of the channel. Even if you engage like crazy with a creator, if they change the content enough, you won't get that shit recommended to you.
This is the main reason some creators have several channels and why some even get pigeonholed to one type of content. The reality of it is, if you build your audience on one piece of content and then want to change it, you will be fighting an uphill battle. One of the best ways to fight that is to diversify early OR better yet, emphasize your personality over the content. Jschlatt shits views and he does whatever the hell he wants really. Same goes for jacksepticeye, markiplier, Ludwig, Critikal, XQC, and numerous other creators.
That being said, doing one game/genre isn't a bad strategy either. A metric fuck ton of OfflineTv's videos are the same game. DisguisedToast played Hearthstone on repeat, then switched to TFT, THEN switched to among us, and his videos absolutely kill. Valkyrae is one of the biggest streamers period and all she does is play/upload among us and rust. Then of course we have all the minecraft streamers too.
It's really up to you to decide, but I'd recommend going towards personality content since that allows the most flexibility.

Other Social Media (Twitter, IG, etc)

Lots of people here seem to think that they don't have time to do YouTube or some other BS they think up as an excuse, so they think that twitter, instagram, tiktok, etc are all ways to grow. Trust me, they are not good ways to grow.
These are all stupid treadmills that trick you into thinking you're doing something when in reality you aren't moving the needle by much if by any at all. Posting ten dumb tweets and reposting memes on IG seem "productive" if you frame it in the light of "content creation" but the two people that see all of these things don't really give a shit. Spend that time working on a video for YouTube.
Don't give me this "I don't have time" bullshit. Do small videos and work yourself up, become better and faster. Perfectionism is a cute word for procrastination.
Ok, now that I took a shit on them so hopefully, you won't grind on them all day, these are still ways to grow and are important. Having multiple platforms for fans to communicate and engage with you is always a good idea, but don't spread yourself so thin early on when nobody knows who you are. Prioritize the thing that will get eighty percent of your results.
I personally have a discord for people to come and chat in. Thing is, I had no intention of doing so because I don't really use discord that much. The only reason it exists is that people kept asking for it in the comments on my YouTube videos so I made one.
TL;DR: Don't put the cart before the horse :)
Edit: Oh ya I forgot to mention. TikTok is trash for growth. I won't mention names cuz that's probably toxic(?) but there is someone signed on luminosity who has 690k TikTok followers and 95k YouTube subscribers who barely cracks 100 views on Twitch and has a hard time getting over 1k on YouTube. So don't go thinking TikTok leads to immense fame ya darn kids

Hosting/Raiding

Getting hosted/raided means actual jack. I remember pretty clearly when I had like ten viewers, I got hosted by someone with twenty-five or something. I think only one person ended up saying anything in the chat to me about it and although some stayed for the entire stream, by the time I went live again I lost all of the people who were in the host. This seems to be something others have mentioned as well, you won't retain almost any views from hosts/raids.
Edit: Please do try raiding/hosting or otherwise networking with other streamers at least once. Your mileage may vary and it could end up blowing up your channel. Who knows?
Edit edit: Having something that you can do during the stream is huge when getting hosted/raided. Most of the time, if not all of the time, a streamer is ENDING their stream and sending viewers to you rather than timing it for your own content. So if you are doing something uninteresting or are in the middle of something you are going to get less retention than if you did something crazy to impress the newcomers. In other words, having a strategy for hosting/raiding growth is key.

Speaking on stream

This seems to be something a lot of people struggle with on Twitch since so many people ask how to do it when nobody is watching/chatting. Coming from someone who had this problem, the answer is pretty simple, talk for the content not the chat.
What I mean by this is you should be focusing on your content more than the chat. Since I play games, what I do is just say some shit about whats happening on screen and sometimes say something that is hopefully funny. Pick up a garbage item? Say something about how garbage the item is, ez.
If you're streaming to NO VIEWERS you shouldn't be streaming to stream anyway. What you should be doing is making a YouTube video in the hopes of getting viewers to watch your stream. The only way to do that is to have good content planned out that should effectively act as your script. Again, Ludwigs stream on this is good (it'll probably be a video soon) so make sure to check it out.
A more recent problem I've had was just how much I engaged with chat (suffering from success I know). When I went to edit the videos I had to cut large swathes of the video because I was just chatting to people. Make sure to avoid this when you are actually trying to get content out for YouTube as it can mess up the flow of a video and make it harder to edit. You still can chat with people just make sure not to go overboard. Again, Ludwig is a perfect example of this, just look at his videos and streams and notice the difference between the two.

Streaming as a job/hobby

I hate this dumb argument of streaming isn't your hobby or twitch isn't your job. You have 24 hours in the day, subtract 8 for sleeping and depending on your job, 9 for work. All that extra time can be spent doing whatever the fuck you want. Want to get big and make money streaming? Do work. Want to just stream while you're playing games anyway? Do that.
IF YOU WANT TO BECOME A PROFESSIONAL AT SOMETHING YOU PUT IN THE AMOUNT OF EFFORT REQUIRED TO DO SO! So stop telling people it has to be a hobby or it has to be a job. It can be either for christ's sake.

Partner difference

I have a checkmark which makes me a better person.
No, but seriously, partner doesn't really do much other than add more emote slots and some quality options. Also, you don't gain extra cash as a partner either. I don't have the mystical bounty board or god-tier split, just the checkmark to flex baby.

Opinion on affiliate

Devin Nash made a video about how affiliate is a scam, which is kinda true but only for people with no viewers. Having the sub button is huge and even when I was small small, affiliate gave me a couple hundred bucks a month for no effort on my part. Patreon is probably better though, no lie.

Twitch "grind"

If you stream 5+ hours a day without making content that lives somewhere else please form a neat line so I can smack you all. People saying they have no time drives me nuts, but when they also "grind" all day AND say that, it makes me want to punch air.

1. Stream YouTube friendly content
2. Stop stream and edit content
3. Upload and plug twitch in the video
4. repeat

That is the only "grind" you should be on. Affiliate is stupid if the 3 viewers you have are all just you on a different ipad.

Luck

You know what? Maybe PewDiePie got lucky and that's how he is such a big YouTuber. Maybe early twitch streamers got all their views because they were early adopters. Or maybe these people only got lucky because they showed up and actually put the effort in.
There are plenty of videos on my channel that looked like flops at first. They got like a couple of hundred views and didn't do well. However, after continuously publishing, a whole bunch of them ended up blowing up and becoming some of the most-watched. Without publishing more videos they would have ended up dead in the water. Consistency > luck.
I don't believe too much in luck when it comes to doing very simple things (LIKE MAKING A YOUTUBE VIDEO) but you literally cannot win the lottery if you do not purchase a ticket, it's that simple.

Editing Software

A couple of people asked this so I thought I should add it here. I use davinci resolve for my videos. Previously, I used hitfilm or something like that I can't quite remember the name, but I had to switch because they don't allow you to have split audio channels (i.e. one for desktop audio and one for mic audio).
I've literally never touched any paid software like premier or anything because, again, I'm a cheap ass.

What should you upload to YouTube?

Seriously just look at Ludwig, smallant, DisguisedToast, literally every top Twitch streamer with a YouTube. All three of the people I just mentioned are over one million subs on YT and are top streamers, so they are definitely doing something right.
In terms of off-stream content, guides are king. If you're a small YT channel with ZERO subs you can still get thousands of views by hitting the search algorithm of YT. My first 3 videos were uncut gameplay, guide video, guide video, in that order. Guess which ones have tens of thousands of views and which has less than a thousand? Guide videos are insane for small channels.
Edit: Actually, let's just call it searchable content. Searchable content is king

Ending notes

I think that's about it for this post. Hopefully, I covered everything although I doubt I did. If you have any questions I'll try my best to answer them and will probably edit the good ones into the post.

Disclaimer I want to thank everyone for the gilds, replies and suggestions. I just do not have time to reply to everyone, but I am reading everything. I am not sure how much bigger the thread can be, I already typed this but it vanished so I think I'm at the limit. I will try to keep updating, but I don't expect the thread to be up top for much longer and will likely vanish soon, so if you need anything save it.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers

• Netflix *According to comments the second month is free.
  
• Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
  
• Now TV (I believe it's 7 days)
  
• Disney+
  
• Britbox
  
• Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder
  

If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system.
Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section.
Completely free TV

• Pluto TV
  
• Viki
  
• Roku
  

If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox.
Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like.
Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird.
Roku also do their own channels with free shows if you own a device.
For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV.
Anime
If you are into Anime there is

• Crunchyroll
  
• Funimation
  
• HiDive
  

The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two.
PC Centric software
If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design

• Humble Bundle
  
• Fanatical
  
• IndieGala
  

Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12.
Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development.
The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals.
Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap.
Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam.
**BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however.
IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff.
Game Store Fronts

• Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
  
• Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
  
• GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
  
• Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
  
• Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
  
• Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
  
• Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.
  

Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months

• Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
  
• Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
  
• EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
  
• PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.
  

There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks

• Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
  
• Comixology Another Amazon company, but lets you download some free comics I believe.
  
• Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.
  

Education

• Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
  
• BBC's Bitesize here is apparently good for home learning. Again, no personal experience.
  

If you need some spare change
Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change

• If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
  
• Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
  
• Apparently beermoneyuk is a good sub to make some pocket change with.
  
• There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
  
• Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
  
• Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."
  

That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment.
Hope it helps someone at least
PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year
fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75!
tale_lost suggested Project Gutenberg for a collection of free E-Books
Learning Language
Unfortunately, I don't have time to check every link listed so I will link the comments:
Togtogtog Gives a lot of links for Spanish

• Duolingo Numerous people have suggested this So I haven't used myself. Thanks to OhHiGCHQ StephanieMecredy & Allorie_95

Board & Tabletop games
Corporal_Anaesthetic has made a list of Board games
ilyemco suggested these
HEALTH
I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix.
Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7.
If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery.
HELP & ADVICE
The lockdown Rules.
Reasons to leave home include:

• Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
  
• Education, training, childcare and medical appointments and emergencies
  
• Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
  
• Shopping for essentials such as food and medicine
  
• Communal religious worship
  
• Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house
  

I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)

• To flee the threat of harm or violence.*
  
• CoronaVirus Symptoms
  
• CoronaVirus government site You can check your location and how many cases here.
  
• Worldometers Shows cases around the world.
  
• Interactive UK Map Another easy to read map with cases in counties and local area's.
  
• World Health Organisation
  

Support

• Samaritans
  
• Mental Health UK forum on reddit
  
• Link to above's stick post for support outlets
  
• Mindful
  
• Mind.org
  

FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted these links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:

• https://england.shelter.org.uk/housing_advice/
  
• https://www.goodsamapp.org/
  
• https://vaccinationvolunteers.sja.org.uk/roles/volunteer-vaccinator.html
  
• https://nhsvolunteerresponders.org.uk/getting-you-started-guide-steward-volunteer
  
• https://peoplesmomentum.com/evictionresistance/
  
• https://londonrentersunion.org/
  

Update:
Digital Art
These are Free

• Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
  
• Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
  
• Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.
  

You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen.
Office suit software
A couple of free applications for word processing, spreadsheets etc.

• LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
  
• Open Office You can pick this up here and again, like above it's just preference.
  

Music Making
I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software.
Games development
D_Dad_Default gives some links for that here

Disclaimer I am posting this here because I got a message from the mods asking me to. I'm not from London so links aren't London centric (but hopefully still of help) and the main post is here so any updates will likely be there (I will try here but it's hard to keep up with the amount of suggestions)
Thanks.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers

• Netflix *According to comments the second month is free.
  
• Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
  
• Now TV (I believe it's 7 days)
  
• Disney+
  
• Britbox
  
• Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder
  

If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system.
Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section.
Completely free TV

• Pluto TV
  
• Viki
  
• Roku
  

If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox.
Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like.
Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird.
Roku also do their own channels with free shows if you own a device.
For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV.
Anime
If you are into Anime there is

• Crunchyroll
  
• Funimation
  
• HiDive
  

The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two.
PC Centric software
If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design

• Humble Bundle
  
• Fanatical
  
• IndieGala
  

Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12.
Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development.
The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals.
Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap.
Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam.
**BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however.
IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff.
Game Store Fronts

• Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
  
• Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
  
• GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
  
• Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
  
• Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
  
• Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
  
• Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.
  

Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months

• Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
  
• Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
  
• EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
  
• PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.
  

There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks

• Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
  
• Comixology Another Amazon company, but lets you download some free comics I believe.
  
• Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.
  

Education

• Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
  
• BBC's Bitesize here is apparently good for home learning. Again, no personal experience.
  

If you need some spare change
Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change

• If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
  
• Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
  
• Apparently beermoneyuk is a good sub to make some pocket change with.
  
• There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
  
• Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
  
• Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."
  

That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment.
Hope it helps someone at least
PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year
fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75!
tale_lost suggested Project Gutenberg for a collection of free E-Books
Learning Language
Unfortunately, I don't have time to check every link listed so I will link the comments:
Togtogtog Gives a lot of links for Spanish

• Duolingo Numerous people have suggested this So I haven't used myself. Thanks to OhHiGCHQ StephanieMecredy & Allorie_95

Board & Tabletop games
Corporal_Anaesthetic has made a list of Board games
ilyemco suggested these
HEALTH
I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix.
Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7.
If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery.
HELP & ADVICE
The lockdown Rules.
Reasons to leave home include:

• Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
  
• Education, training, childcare and medical appointments and emergencies
  
• Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
  
• Shopping for essentials such as food and medicine
  
• Communal religious worship
  
• Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house
  

I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)

• To flee the threat of harm or violence.*
  
• CoronaVirus Symptoms
  
• CoronaVirus government site You can check your location and how many cases here.
  
• Worldometers Shows cases around the world.
  
• Interactive UK Map Another easy to read map with cases in counties and local area's.
  
• World Health Organisation
  

Support

• Samaritans
  
• Mental Health UK forum on reddit
  
• Link to above's stick post for support outlets
  
• Mindful
  
• Mind.org
  

FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted this links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:

• https://england.shelter.org.uk/housing_advice/
  
• https://www.goodsamapp.org/
  
• https://vaccinationvolunteers.sja.org.uk/roles/volunteer-vaccinator.html
  
• https://nhsvolunteerresponders.org.uk/getting-you-started-guide-steward-volunteer
  
• https://peoplesmomentum.com/evictionresistance/
  
• https://londonrentersunion.org/
  

Update:
Digital Art
These are Free

• Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
  
• Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
  
• Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.
  

You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen.
Office suit software
A couple of free applications for word processing, spreadsheets etc.

• LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
  
• Open Office You can pick this up here and again, like above it's just preference.
  

Music Making
I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software.
Games development
D_Dad_Default gives some links for that here

0️⃣Section Zero: Background
Hello, MD! I hope you're all doing well, and are safe and healthy. I've gone back and forth for a while about whether I should share my money diary. I signed up to do one last year to chronicle our home buying process but chickened out (I'm so sorry mods!). I was worried I'd be judged for what I spent money on, not having a college education, or what might be perceived as frivolous habits. I don't know. Internet strangers terrify me. But I'm finally sharing this money diary because I want this to be a data point: you can have a career (or two!) without a college degree.
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?
I moved to the US right before entering elementary school. I spent half my childhood in a simple four room shack with no running water or electricity (mom's side of the family) and the other half in a large house with a nanny and domestic help (dad's side of the family). From a young age I was told that college was chance at a better life and I believed it -- not going to college wasn't an option. My mom completed a healthcare related degree in our home country but she couldn't practice in the US. My dad dropped out of college in our home country due to his work as a student protester. Both of them worked blue-collar jobs to support our family and were always working. As with just about every parent, they wanted more for me.
I was accepted to a top ranked private university but didn't get a sizable scholarship so my parents and I took out loans, separately, to fund my tuition. I dropped out halfway through my sophomore year due to poor mental health stemming from an assault. No one knows (except for my fiancé and now, internet strangers) the real reason why I left school.
Did you worry about money growing up?
Yes. My parents never talked about their money struggles with me, but I knew money was always tight. After my youngest brother was born, I remember how excited I was to find a jar of peanut butter in our cupboard. We hadn't had any for a while. It had a "WIC" sticker on it and I didn't know what it meant at the time. My parents never talked about receiving government support but I'm thankful that we had a safety net available to us when we needed it most.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I started paying my parents rent to stay in my childhood bedroom when I moved back home. I didn't pay for groceries or to use one of their cars, which was nice. I was about 21 when I was completely on my own. My parents and I had a falling out over me dating a much older man who I'd come to learn was very abusive. There were a few months where I slept on a friend's couch because I barely had money to feed myself. My early 20's were rough. But if I were to go completely broke now, my parents would be there to help me. They're doing much better financially.
Do you or have you ever received passive or inherited income? If yes, please explain.
No. I've never received an inheritance or any other passive income.
Finally, a note on Erik: he also doesn't come from money or finish his college degree. He immigrated to the US less than a decade ago and does not receive or provide monetary support to his mom or dad.
1️⃣Section One: Assets and Debt

Combined net worth:	$3.7M
Combined brokerage balance:	$2.14M	$317,587 (mine) + $1.82M (Erik)
Combined retirement balance:	$195k	$116,300 (mine) + $78,700Erik). We're behind on funding our 401ks. I finally convinced Erik to take advantage of his employer match program two years ago. He was concerned about the ease of withdrawing funds since we plan on living outside of the US when we retire.
Joint checking account balance:	$111k	We have a lot of cash on hand right now because we need to prepay income taxes, and will be furnishing our place.
Equity:	$1.42M	We put 40% down on a 2 bedroom/2.5 bath condo (<1,200 ft2) in a new construction last summer. Our down payment came from the sale of some of Erik's RSUs.
Mortgage:	$1.61M	For our financial situation, an interest-only mortgage made sense. We have a 2.35% APR 7/1 ARM since we don't intend to stay in NYC longterm. Our plan is to pay off the remaining mortgage in full after five years and either sell the condo or hold onto it as rental property.
Combined credit card debt:	$0	We pay off our credit cards in full every month. We put between $6k - 20k on our cards every month in a typical year. He's also the authorized user on my credit cards; I added him to my accounts about six years ago to help him build his credit file since we knew we'd eventually buy a place together.
Combined student loan debt:	$0	I finished paying my student loans two years ago. Erik received free tuition as an EU resident but had some cost-of-living loans which he's paid off.

2️⃣Section Two: Income My fiancé and I ended 2020 with a total cash compensation (base + bonus) of $493,750 but with last year's vested RSUs, our overall compensation is:

	Mine	Erik
Base	$131,250	$268,750
Bonus	~$13,125	~$80,625
Vested RSUs	$121,500	$835,500
Total Compensation	$265,875	$1.18M

Income Progression I don't recall my salary increases so I'm listing my starting base salary for each role. I'm also not including additional compensation such as bonus or RSUs.

• HS and into my early 20's: minimum wage. I started working when I was 16 as a hostess for a restaurant and worked there throughout high school. In the summer before and after freshman year of university, I worked at a department store on commission. After I left university, I worked there full time and also picked up two part-time jobs (restaurant hostess, receptionist) to make ends meet.
• Job 1: $30,000 as a business development manager for a staffing agency in a HCOL (rent was $600 for a room in a 2bd/1ba). I worked there for three months.
• Job 2: $50,000 as a recruiting assistant then promoted to recruiter for a large non-profit in a HCOL (rent was $1200 for a room in a 3 bd/2ba). I was there for three years.
• Job 3: $75,000 as a recruiter for a large research institution in a VHCOL (rent was $1600 for a 1bd/1ba shared with ex-bf). I was there for three years. Looking back now, I didn't realize how burned out I was at the end. I fully believed in our mission to save lives and was so grateful to have that job. I was working directly with these world class physicians and scientists, and I had no college degree. I felt like I had to prove I belonged there. To me that meant staying in my office until 2-3am some nights (mornings?). When an opportunity to change industries, I took it.
• Job 4: $90,000 as a recruiter for a tech company in a VHCOL (rent was $1400 for a room in a 3bd/2ba). I was in that role for 2.5 years. When I joined the company, there were less than 5,000 employees. It was an amazing experience to have a hand in building teams of incredibly bright and kind people, many of whom now are now leading global teams of their own. But, I was traveling non-stop. It was exhausting and I experienced burnout (again). I had turned in my notice to HR and started letting people know. It was in one of those "goodbye" conversations that a director I closely worked with asked me if I'd be interested in joining her group as a PM. That opportunity changed the trajectory of my career. I stayed and switched roles.
• Job 5: $110,000 as a program manager for the same tech company in a VHCOL (rent was $4400 for a 2bd/2ba with Erik). I was in that role for 2.5 years. I worked on public-facing initiatives, built some awesome programs, and partnered with senior leadership daily. By this time, the company had grown 10x and had no signs of slowing down. But I needed to slow down. I didn't really take time to decompress after my two previous roles. Erik saw how unhappy I'd become. He supported me leaving the workforce for a year and I'm grateful I had his support, the opportunity, and the ability to do it.
• Took a year off. –$20,000 withdrawn from my brokerage accounts in a VHCOL (rent was $4000 for a 1bd/1ba with Erik). I didn't do anything remotely awesome during this time. I was coming out of a pretty bad depression so I took it easy on myself. I watched a lot of Investigation Discovery, cooked, napped, went down many Wikipedia rabbit holes, and joined Erik on all his business trips.
• Current Job: $125,000 as a program manager at a tech company in a VHCOL (mortgage + common charges is ~$4400 for a 2bd/2.5ba with Erik). I've been in this role for almost two years.

Main Job Monthly Take Home

Deductions	Mine	Erik
Retirement	15% of paycheck to Roth 401k	7% of paycheck to 401k
M/D/V	under Erik's employer; my employer also provides free M/D/V but we would have different providers	covered by his employer + $~250 for mine
Life insurance and AD&D	covered by my employer	covered by his employer
Short & long term disability	covered by my employer	covered by his employer
Net monthly take home	$7,000	$10,00

3️⃣Section Three: Expenses This is what our YNAB budget roughly looks like (for annual expenses, I set aside an amount per month towards the expense):
Housing

• Mortgage: $3,155
• Common charges: $1,260
• Property tax: $27,509 annual
• Homeowner's insurance: $837 annual
• Utilities: $300
• Staff bonus: $1,200 annual (1 super, 5 FT front desk, 2 porters)

Transportation These would be significantly higher in normal times. We rarely leave our place and if we do, we walk.

• Public transportation: $20
• Rideshare/taxi: $30

Entertainment

• Books & Magazines: $50 (Audible, Readly, news+, NYT)
• Music & Podcasts: $25 (Pandora, Spotify, Patreon, Blinkist)
• TV & Streaming: $120 (Hulu, Netflix, Masterclass)

Donations: $10,000 annual We donate to Children International on a monthly basis. The remaining amount is donated throughout the year to different causes. Last year, we supported AIDS research, mental health and addiction support, food banks, and international food programs.
Hobbies:

• Fitness: $176 (Aaptiv, Future, Whoop)
• Flowers: $125
• Photography: $10 (Photoshop)

Fields

• Pet insurance: $1,500 annual
• Veterinary care: $1,500 annual
• Pet food & medication: $500

Savings & Finance

• Backdoor IRA: $6,000 annual
• Acorns: $250
• Betterment: $500
• Credit card annual fees: $1,890 annual

Food & Drink Pre-COVID, we'd budget $3,000 to a "Restaurant", increase "Cafes & Bars" to $1,500, and decrease "Delivery & Takeout" to $1,000.

• Delivery & Takeout: $3,000
• Cafes & Bars: $700
• Groceries: $300

Wedding: TBD Our original budget was $75,000 (international, <50 people). We've had to reschedule it twice now and have already spent $10k in lost deposits and rescheduling fees. We'll re-evaluate our budget later this year when we start planning again.
4️⃣Section 4: The Diary

Day 1: Monday | Total: $111.84 

8:00am - First day back from holiday break for both Erik and me. He's still snoozing so I turn on the bedroom TV to see if our dog is still sleeping too. We adopted a senior dog, Fields, over the summer and quickly became one of those dog owners that installed cameras everywhere so we can watch him anytime, anywhere. Fields is still asleep so I check my work accounts and respond to anything urgent.
8:30am - Normally, this is when I'd take Fields for his morning walk while Erik makes our coffee. But our espresso machine is broken so we can't use it until the replacement parts arrive next week. Erik and I both start getting dressed to take Fields for a walk together. Before that happens, I take the dog outside to relieve himself and we quickly head back to the apartment for his breakfast.
9:30am - We walk to our favorite coffee spot in our neighborhood and get our usual: cortado with whole milk for Erik, cold brew with a splash of oat milk for me, and a breakfast BLT to share. We walk back to our apartment and get to work. $23.69
12:30pm - I take Fields with me to pick up our lunch at Sweetgreen: a kale caesar salad (hold the tomato and swap for the blackened chicken) for me, and a hot honey chicken plate for Erik. $27.71
4:30pm - Erik and I are dire need of coffee. We take the dog for another walk, this time to our other favorite coffee shop. The decor is very IG-friendly and their coffee is fantastic. I get their matcha latte with oat milk, Erik gets a cortado with whole milk, we split an avocado toast with smoked salmon, and Fields get a whole lot of snacks for being a good boy while he waits for our order to be ready. $29.95
4:45pm - We walk past a cute mochi ice cream shop that I've been meaning to try. I pick up eight mochi ice creams: ube, chocolate hazelnut, passion fruit, mango, and some seasonal flavors. $30.48
5:00pm - We get home just in time to feed the dog. His food is laughably expensive but we think it's worth it and most importantly, Fields is worth it! He's the best dog and we want to spoil him during his final years. Especially since the poor pup was returned to the shelter twice within a year. I can't imagine giving up this sweet old guy.
9:00pm - I log off work and head down to our building's gym to workout. I've been working with a trainer through the app, Future, and like it so far. Pre-pandemic, I was in really good shape as I was training for a half marathon and our now-postponed wedding. Since the lockdowns started, my healthy eating habits and will to workout has gone down a very messy spiral. I do a mile run on the treadmill followed by a set that includes split squats and deadlifts. Ouch.
10:15pm - I walk into the apartment to find Erik's made dinner from yesterday's leftovers: tacos! I quickly eat two tacos, then tidy up the kitchen while Erik takes Fields out for his last potty break before bed.
10:45pm - I rinse off in the shower and start my nighttime routine. Erik won't see me for another 45 minutes, at least. Tonight, I use a dermaroller on my arms and legs before rubbing in vitamin C lotion. While the lotion dries, I start on my face: facewash, essence, serum, niacinamide and azaleic acid, eye serum, and all topped off with a nighttime cream cream. This is a typical nighttime routine for me.
11:30pm - Finally in bed. We put on a Netflix comedy special while I finish my routine in bed: foot cream, hand cream, and cuticle oil. Erik is browsing on the iPad looking for pots and planters. We call it a night just after midnight.

Day 2: Tuesday | Total: $199.41 

8:30am - We're both really tired. I want to lay in bed a little longer but Erik has a call at 10am and we need coffee. Since his pants are on first, I convince him to take the dog outside so I can get ready. He agrees. I put on sweats and prepare Fields' breakfast.
9:15am - We walk to a cute Australian coffee shop and order: a cortado with whole milk for Erik (it's the only thing he drinks), a cold brew with oat milk for me, and share one of my favorite breakfast sandwiches. It's got prosciutto on it and a perfectly runny egg! $23.58
12:45pm - I lost track of time and forgot to order lunch. I place an order at Chop't: avoketo chicken club salad sans tomatoes for me and a kebab cobb wrap for Erik. Once it's ready, I take Fields with me to pick it up. $25.67
1:15pm - While eating lunch, I order Ess-A-Bagels to be sent to two girlfriends across the country as very belated Christmas gifts. I meant to send them their gifts earlier but they've had family visiting them and I wanted to make sure they got to enjoy their gift. I know they both really love Ess-A-Bagels and wouldn't be too keen to share. $213.90 - $100.00 AMEX offers credit = $113.90
3:00pm - That salad was not enough. I pull a Daily Harvest mint + cacao smoothie from our freezer to make a smoothie with oat milk and split it with Erik.
4:30pm - Ok, we really need coffee. We head back to cute IG-friendly coffee shop we went to yesterday and order the same drinks but skip the sandwich. $12.74
4:45pm - On the way home, I tell Erik that I need to eat something more substantial. I was feeling hangry. We stop by our favorite mediterranean cafe. I order a kebab bowl and Erik gets the kebab sandwich. $23.52
5:15pm - We get home just in time for me to get ready for my last meeting of the day and feed Fields his dinner. Today, he gets lamb and red quinoa.
8:45pm - My trainer has a run scheduled for me today but I'm so tired; I don't think I slept well. I message my trainer to tell her I'm taking the day off but will make up the run tomorrow!
9:30pm - I catch up with some girlfriends on the west coast over text while watching an old Dateline: Secrets Uncovered episode. I remember we have mochi ice cream and eat two of them. This is a great night.
10:30pm - I need to sleep earlier tonight since I need to get a run in tomorrow morning. I have a Morpheus8 appointment at 11am and I can't workout after that.

Day 3: Wednesday | Total: $290.44 

8:00am - The alarm goes off and I yell at Siri to stop. I roll back over and snuggle Erik. The run isn't happening.
9:00am - I receive a call from the clinic where I get my Morpheus8 done. My esthetician has a family emergency and can't make the appointment. I'm secretly excited to reschedule for a later date since I have a face lipo, neck lipo and buccal fat removal procedure in exactly a week. I know, I know. Scheduling procedures so close to each other isn't the smartest idea, but I wanted to finish my Morpheus8 series before more invasive procedures. To get the kind of results I wanted, I needed three Morpheus8 sessions booked about a month apart. Today was supposed to be my last one.
9:20am - Walk Fields with Erik to get our usual coffee order and split a bagel with smoked salmon, alfalfa sprouts, picked red onions, chili and dill. $27.85
3:00pm - During our team meeting, my director asks me if I've seen the news. I grab my phone to look at the news and feel my anxiety spike as I learn that the Capital is actively being breached. I know my mental health is going to take another hit after this. Instead of working, I doom scroll the rest of the day. I also realize that salad isn't going to cut it for lunch. Not today. I need something more comforting and warm. We decide on Chinese food: ma po tofu and black pepper beef with a lot of fluffy white rice. $64.52
4:45pm - It's time for my sort-of monthly nail appointment. I go every three weeks to this amazing salon that specializes in nail art but they're also superb at taking care of your nails. I pick a sunny yellow color to offset the shit that happened this afternoon. They're pricey ($75 + $20 tip) but my nails and cuticle beds have never looked healthier. I also buy a ceramic cuticle pusher tool ($15). $114.40
7:15pm - I convince Erik to meet me at our neighborhood pizza spot to pick up dinner. We order: a pepperoni Sicilian slice, Hawaiian slice, ham and cheese calzone, and four slices of cheese, root beer and diet soda. $46.65
8:30pm - While scrolling through IG, I see a dermatologist use snail extract for her NuFace. I've been meaning to buy more NuFace gel and this seems like a good cost-effective replacement. I find the same bottle on Ulta and add an eyeshadow brush to get free shipping. I'm project panning my eyeshadow palettes so this will be a fun new tool to play with. $37.02
12:00am - Bedtime.

Day 4: Thursday | Total: $112.13 

8:00am - Same routine as the days before: get dressed, take Fields out, give him breakfast, and head out for our family walk.
9:00am - Another day, a new cafe. We order our usual coffees, and split a breakfast sandwiche: herb omelette on a toasted baguette slathered with spicy aioli and topped with bacon. $27.22
9:15am - I realize that I dropped Erik's credit card somewhere between the cafe and our apartment (I didn't bring my wallet so I asked Erik for his card at the cafe). I call the cafe and ask if they'd seen it; they hadn't. And just as I'm about to call the bank to cancel the card, the cafe calls back -- someone found it on the sidewalk and turned it in! We thank them for following up and tell them we'll pick it up tomorrow.
1:00pm - I wake Fields up from his nap so we can walk to get our usual Sweetgreens order. $27.71
7:00pm - Erik and I take Fields on a walk to pick up Thai food for dinner. We order beef pad kee mao, shrimp tom kha soup, chicken pad thai, and mango with sticky rice. $51.75
9:00pm - While reconciling this week's expenses, I see that my Sephora credit card payment was returned and I was charged not only a late fee, but a finance charge! I signed up for the Sephora card over the holidays to take advantage of their cash back program and this was my first payment to them. I go on the website to investigate what happened and find that I missed entering a "0" to my linked bank account. I call their customer service rep to explain everything. I ask her if she could waive the late payment fee ($35) and the finance charge ($5.45) if I paid the balance in full. She said she's able to waive the late payment fee but not the finance charge. I thank her for her help and hope this doesn't affect my credit score too much. $5.45
12:00am - Zzzzzzz.

Day 5: Friday | Total: $245.56 

8:00am - Same morning routine as yesterday.
9:00am - Same breakfast routine as yesterday but add additional tip since they held onto Erik's card. $28.67
12:00pm - Wake Fields up from his nap for a quick walk to Just Salad. I get a chicken caesar salad while Erik gets a chicken poblano salad. $23.70
7:10pm dinner - Friday's are our date nights. Before the pandemic, we'd get dressed up and go out for a nice meal and spend quality one-on-one time. These days, we usually order in fancy sushi and watch a movie. Between us, we order 19 pieces of sashimi and nigiri like uni (my favorite), zuke, wagyu, and tamago. $193.19
10:30pm - As soon as Erik gets back from taking Fields out, we pile onto the couch to watch Jurassic Park.
1:00am - Sleep.

Day 6: Saturday | Total: $375.24 

9:00am - It's a late start to the morning. After feeding Fields, we walk to pick up breakfast. We get our usual coffee order, a bagel with smoked salmon and a chocolate croissant. $34.12
1:20pm - I saw someone post in a cooking subreddit about seasoning that a local restaurant uses on their wings. Of course I google the restaurant and get hungry from looking at their photos. I end up ordering lunch from them: wings (of course), coconut crab curry, shrimp chips and chili jam, thai iced tea, and khua kling. It was all delicious but holy cow everything was so spicy. Definitely will order from them again though! $93.40
3:45pm - I see a notification pop up for a charge on our card. I assume it's something for Erik's current house project (building our custom closets). I ask him about it and it's actually a router extender. $125.85
8:00pm - We've been missing Mission-style burritos lately and haven't found a good replacement in New York yet. But we did find a restaurant that makes delicious Mexican food. I get two spicy pork tacos and one al pastor taco, Erik gets a spicy pork burrito and a mandarin Jarritos, and we split a large chips and guacamole. $49.87
10:00pm - While browsing Reddit), I see someone post decants for sale of fragrances I've been meaning to try. Fragrances were a serious hobby of mine for a while, to the point that I hired a fragrance "fixer" on a Paris trip to take me around the local shops. I've since scaled back my collecting and have been focusing on learning to differentiate scents better. $72.00
11:00pm - Goodnight!

Day 7: Sunday | Total: $134.57 

9:00am - Another late start to the morning. We do our morning routine with Fields and walk to get breakfast. This time, we head back to the cafe that found Erik's credit card. We get our coffees along with the herb omelette baguette with bacon. $27.56
12:00pm - There's some leftovers from yesterday's very spicy lunch so we eat that for lunch. I think the food might actually be spicier today.
6:00pm - I FaceTime with a girlfriend on the west coast who shares some amazing life news. Her and her husband are moving from the west coast! While I'm sad they're not moving to New York, I'm thrilled that they'll be closer to us and that she has an amazing new role. This is a huge win for her career and I'm really proud of her.
9:40pm - We realize we haven't had dinner. We both want something much less spicy so we order in Italian: caesar salad, pasta alla gricia, and a spicy vodka pasta. $107.07
11:00pm - We owe a response to our wedding planners about our wedding date. Do we move forward with a summer 2021 (originally summer 2020) wedding or do we postpone another year? I have strong feelings about trying to hold a destination wedding in the middle of a pandemic. I don't want to put our friends and family at risk since we won't know when vaccines will be widely available. But Erik is worried that his dad won't make it to 2022 since his dad already isn't in the greatest health. We agree on a new game plan: we hold off on our wedding celebration until 2022. In the meantime, we'll travel to his dad as soon as it's safe and get married with him in attendance. I email the wedding planners our decision to postpone (again) and go to bed.
5️⃣Section 5: This Week's Total & A Brief Reflection

Food & Drink	$1,000.57
Fun & Entertainment	$0.00
Home & Health	$125.85
Clothes & Beauty	$223.42
Transport	$0.00
Other	$119.35
GRAND TOTAL	$1,469.19

This was a pretty normal spending week (during the pandemic) for us, minus all the coffee trips due to our broken espresso machine. I know we spend a lot on food and we're okay with our level of spend, for now. It gets us out of the house, gives us a reason to take Fields out for a walk and explore the neighborhood, and allows us to support our favorite spots. My goals for this year are to increase the amount we put into investments and learn more about tax-efficient strategies.
Apologies for any and all typos!
EDIT: typos and a few words

One day early. Buckle up, it's a long one!
Trigger warning: digestive & anxiety issues, medical procedures
Section One: Assets and Debt
Retirement Balance: PERA account $7,389.65
Equity: roughly $45,000 (house and vehicles)
Savings account balance: $523
'Secret' cash stash: about $800 between us which we pretend doesn't exist.
Checking account balance: $2,318
Credit card debt: $6404.47 🤯
Student loan debt: $30,593.72 for my associate's in nursing and one semester of my BSN which I have no plans to finish.
Current clinic bill: $814. I have about $620 left in my flex account from last year that I need to use so I'll probably pay this off this month.
Section Two: Income
Income progression: It's been pretty straightforward for me. I worked at McDonald's in high school (minimum wage) and came back after one semester of college. I was eventually promoted to shift manager in 2007 (I think $9.50/hr). I got my CNA license in 2008 and started working at a nursing home ($10.65/hr). Gradually increased over the years. When I got my LPN license in 2016, I bumped up to around $16.50/hr. Another bump for my RN license at the end of 2017. I started at $26.50 and now make $28.75 base. I work 12 hour nights so I get $.50 differential from 6p-10p and $1 for 10p-6a. This is considered a joke of a differential btw. We get time and a half on holidays. I do truly love my work but I'm so burnt out. I've been in long term care for so long that I'm not sure how to even do anything else at this point.
Main Job Monthly Take Home: ~$2700, more if I work a holiday or pick up a shift
Taxes: ~$700 Health insurance: $303 (family plan with high deductible) Retirement contributions: 6.5% of my pay HSA: $192.30 Flex: $46.16 Clinic bill payment: $100 Life/STD insurance: $54.42 Christmas account: $50
Side Gig Monthly Take Home: generally $0. I do sell some craft items on the side but I don't hustle.
Child support: supposed to be $531 but I get what I get most of the time.
I am married but we do not have a joint account. B's gross is $41,600/year. He recently started a new job and got a $4.50/hr pay increase. He's also a volunteer firefighter and gets paid once a year from that, although last year's check was only $750. He carries dental and vision insurance for us and has a flex set up, about $170/month.
Section Three: Expenses
Rent / Mortgage / HOA fees: $0. 2 bed 1 bath home we share with my daughter (Z, she's 8) full time and B's stepson (E, he's 14) part time. We own outright.
Property tax: $497 this year, B pays.
Car registration: $206 this year for my car, goes down a bit every year.
Home & car (3) insurance: $237, B pays. We just combined everything a few days ago so we might split this. ETA after getting the first bill, I will pay *$265/6 months* for my car and half of the SUV, about $175/6 months.*
Savings contribution: lol, whatever comes from my round up rule
Debt payments: CC bills $400, B's pellet grill $35 (was a Christmas present). B has no debt.
Electric: fluctuates with the climate, last month was $245!!! We are trying to figure out ways to reduce this. B pays.
Gas: $50 now on the yearly plan, B pays.
Watesewegarbage: ~$60, B pays.
Wifi: $59, I pay.
Cellphone: $290, I pay for 5 lines.
Babysitter: $180
Student loans: in deferment, not making payments
Meds: around $50, paid with flex money.
Monthly subscriptions: Hulu, HBO, Pandora, Design Bundles, razors, Netflix, Apple storage, NYT, Cricut Access, Disney+, Amazon subscribe and save items, my entire life, $250. I pay.
Amazon Prime: $124/year, I pay.
Pet expenses: averages around $100 between food, haircuts, shots and insurance for my youngest pup, I pay.
Car payment: $405.27 for my car. We paid cash for our used SUV in December, and B's truck is old and has been paid off for years.
Groceries: around $400, B tends to grab things here and there and I get the big hauls.
School lunch: free this year! Thanks USDA!
Extracurriculars: Z opted out of any extracurriculars this year due to COVID.
Regular therapy: nope
1/16 Saturday
3:30 AM: I'm awake but I refuse to get out of bed. Cruise Indeed and Facebook for jobs. I recently put in my 30 day notice so I need to find something ASAP. I've put in probably 6 online applications already. Print out two applications, three copies of my resume, and create two cover letters. Why do I have to fill out all my info on an application when they can find it on a resume? Get a year of a resume and cover letter making site for $24.99 because I'm terrible at both. Buy some new Brumates that I don't need $67.93 and see that my yearly Prime payment has been pulled. Watch YouTube and fall back to sleep around 5.
8:20 AM: B crawls into bed after work and snowblowing basically the entire yard. Cuddle for a while so he can leech my body heat before I go upstairs. I need to wash my hair. Fall into an internet hole of Facebook and NYT while lounging with the dogs.
Noon: B comes upstairs. I didn't wash my hair. We need some groceries so decide to drive the hour to the nearest town with a Walmart AND a Menards - it's the 15% off bag sale right now. Throw in some dry shampoo, brush my teeth and get dressed. Change the water jug in our machine (our tap water is sketch), let the dogs out and head out.
1:18 PM: Gas is up to $2.34/gallon. Cringe thinking about filling up the SUV. My car is a hybrid but doesn't like Minnesota winters. B and I debate bringing our cat to the vet during the drive. She has FIV and has been losing weight, but we decide against it as there's not much we can do at this point anyways. She's still happy so 🤷‍♀️
2:34: Check out of Menards. $99.15 on a new door lock with keypad, sanding blocks and paper, disposable condiment cups, and Armor All wipes after 15% off and B's $15 return credit that he forgot to use. B gets LED bulbs, grill brushes, motor oil, a door latch for our porch, something for his brother's toilet and a propane tank exchange. Only saw one guy without a mask, so I'd call that a win.
3:05: $15.98 after coupons at Joann's on more tumbler supplies (e-6000 spray, 5 taklon brushes) and one roll of clearance ribbon. Realize I have my Christmas money in my purse and forgot to use it. B goes to Harbor Freight for more tools he doesn't need and a sporting goods store for a gift card for his best friend's birthday.
3:32: We decide to go to Perkin's, hoping they won't be too busy in the off hour. The hostess is wearing her mask under her nose and I'm so annoyed. I have some weird stomach issue going on, so I just get two eggs and toast. B tells me he should be able to get the first COVID shot this week, and I tell him I still haven't changed my mind (we both already had COVID during an outbreak at our workplace). I've been 'not preventing' pregnancy for almost two years. At this point, I'm too anxious to get the vaccine, and there is just not enough data available on pregnant/TTC women to change my mind. My time limit is my birthday, so if I'm not pregnant by then I'll be getting the vaccine in August. $28.87 +$5 tip.
4:47: Check out of Walmart with wet cat food, pop, milk, butter, Mac and cheese, cereal, snacks for the kiddo, chips, ketchup, tator tots, Gatorade, Hawaiian Punch and deli meat. $88.65. Every time I ask B if we need something, he says we have it at home. Also, no grapes? Usually a Walmart trip sends me into an anxiety attack but the store is pretty empty today.
5:09: My favorite stop of the day: the liquor store. The store at home is so crazy expensive so this is a treat. I get Truly Iced Tea and two different kinds of hard coffee to try for $41.91. B picks up three cases of beer.
5:18: B stops for gas ($37 🥴) and we head for home. Buy some vape juice online, $86.59. Yeah yeah, I know. My gut hurts, I'm super bloated and I just want to nap. We talk about our options regarding my medical procedure that is coming up and decide to try and get it done while we're still on my work insurance. I had a positive FIT test so now I have to have a colonoscopy. I'll end up maxing out the deductible but I'll get it half off if we can pay the bill within 30 days. I'll get my PTO paid out at the end of my 30 day notice, so we should be able to swing it. Not really sure we have a great option at this point as B doesn't want me to take on another payment. He is so anti debt, and I have $6500 in CC debt. We are opposites in so many ways.
6:20: Get home and unload the SUV. The dogs are going WILD. I feel like garbage and immediately get into pajamas. Give the cat a can of wet food and she eats a few bites. I still can't find a type she really enjoys. I also hook up the drinking water fountain I bought for her a few days ago. B installs the new door lock and I'm thrilled to have a keypad again. The old one stopped working a few months ago. Pay an invoice for a bulk order of keychain tassels from a wholesale group, $19. Basically do nothing for the rest of the night.
9:45: I'm falling asleep in my recliner. I decide to do my nighttime routine (rinse face, No7 HydraLuminous Gel Cream, Algenist Complete Renewal Eye Balm) and go to bed in hopes of feeling better tomorrow. I skip brushing my teeth because I'm nursing a ginger ale. Watch some YouTube and fall asleep around 10:30.
Daily total: $478.07
1/17 Sunday
2:09 AM: I wake up for the second time tonight with nightmares. I rarely have them so I'm annoyed. B isn't in bed to cuddle with either. I go upstairs to use the bathroom and find him in his recliner. Realize I forgot to take my meds last night (antidepressant, probiotic, omeprazole, hair skin & nail vitamin, Lysine supplements, allergy pill) so grab those along with two Goli gummies and a lorazepam to help me calm down. My gut still hurts, and I'm so over this. Browse the internet and watch YouTube again to fall asleep.
3:55: Wake up to stomach cramps and know my colon is going to empty itself out. Park myself in the bathroom for half an hour and try not to pass out. I'm not sure if it's just IBS or something worse going on, but I'm glad I'm getting it checked out.
7:17: Still awake. I am stressed by the potential of not having a job for a few weeks, my health, and the current state of everything else in the world. Decide to compound this by opening my NYT app. I am so hopeful Joe can start turning things around.
12:17 PM: I must have finally fallen asleep because B comes down to ask if I want to go to South Dakota today. We check out local case rates by county and decide we are probably safe. We are about the only ones who wear our masks in public over there. I must admit that going through this pandemic feels much different out here in the boonies than it does in the city. We had a large surge in cases for about 4 weeks in November-December, and now we are back down to about 2-3 new cases a day. Our local businesses work hard to keep us safe, in part because they don't want to be known as the place so-and-so got COVID. Ah, small town gossip. We do our part try to support them as we really can't afford to lose any businesses in our area. I shoot a text to Z's dad to confirm I'm picking her up in the morning.
1:28: I finally get out of bed and wash my hair, which is my least favorite chore. I brush it out before my shower, use some Head and Shoulders 2 in 1 to combat my winter dry scalp, finish it off with SheaMoisture Purple Rice Water conditioner. I decide to heat style it today, so I use two heat protection sprays. To brush, wash, condition, brush again, dry and curl my hair takes 1.5 hours. Now I remember why I never do this.
3:30: We hide in the corner of the bar for the meat raffle. I really love coming here because the money they raise goes to local charities. We also have drinks and supper. I get a BLT chicken wrap, and we win 3 free drink tickets. We head out around 6. $50 + $10 tip, this comes out of my Christmas money. B goes to the drivethru on our way home and gets me a frozen hot chocolate. Yuuuum.
8:45: For some reason I can't keep all the school calendar changes straight. Z was supposed to be off tomorrow, but I just realized she does have school. I message Z's teacher to let her know Z won't be there, since she has her yearly physical tomorrow after being rescheduled 3 times. Do a quick nighttime routine, take my meds and head downstairs for YouTube and sleep. Hoping for a decent night of it!
Daily total: $60
1/18 Monday
3:05 AM: I'm awake, but for no particular reason this time. Working the night shift really messes with your sleeping schedule. I must have been snoring because B has gone upstairs to sleep in E's room. I clean the litter box and decide to fire up my laptop and Cricut machine to get some projects done I've been procrastinating. I finish a water bottle for B, a stash jar for a friend, create a couple Valentine's mock ups for my business page and seal some glitter signs. I grab a couple SVGs on Etsy $1.38. My mom sees my Snapchat and we message over the woes of insomnia.
6:20: I have come to the realization that buying craft items and actually using them are two separate hobbies. I lay in bed with the cat and doze.
8:40: Leave the house to go pick up Z. Her dad lives about 25 minutes away. On the way home we stop at Casey's for random snacks, $7.64. The clinic calls and we schedule my colonoscopy for Thursday. I have to get some blood drawn later this morning when I bring Z to her appointment. I also have to have a CT with contrast so I'll figure out when I can get that done as well. I take a quick body shower when we get home.
10:55: Bring Z to her well child check-up. I think they asked us about 100 questions, and some of them were super weird for an 8 year old. She finally gets her flu shot and only spills a few tears. No major issues so that's a win! She does miss a few sounds on her hearing test, but we decide to just watch it for now. I get my blood drawn when we're done with her appointment and talk to the radiologist about my CT. He says my prior authorization hasn't gone through yet and he'll call me when we can get it scheduled. We're both hopeful it can get done tomorrow. Then I talk to the surgical nurse to get my pre-op instructions. Finally leave the clinic around 12:45. Pick up my surgical prep from the drugstore, $52.06 (!!!) from my flex account. Z requests cheese pizza for lunch so I oblige.
1:17 PM: I get a call about a job and set up an interview for Wednesday afternoon.
4:10: I bring Z down to the local salon for a haircut. I can't go in (COVID restrictions) but Z loves the feel of a fresh cut so I don't worry. Her hair dresser is her classmate's mom and my old neighbor. $18 + $7 tip.
6:30: B has a fireman's meeting tonight, so Z and I have mac and cheese per our tradition. B hates it so we usually only eat it when he's gone. I make Z have an apple on the side so we can make at least one good food choice today. The Bachelor is on tonight! I usually hit the Reddit stream but I got a late start tonight so I skip it.
9:05: Make sure Z brushes her teeth and hug her goodnight.
10:20: My oldest (and crankiest) dog just cannot be pleased tonight. She keeps wanting to go outside, but it's cold and snowy and she doesn't like either of those things. Sigh. Do my usual nighttime routine, take my meds and go to bed. Fall asleep around 11.
Daily total: $33.99
1/19 Tuesday
6:45 AM: Success! Finally got some sleep. Good thing I woke up though, because I forgot to set an alarm. I wake up a very cranky Z at 7 and make sure she gets ready for school. We are very fortunate that our school district is small, and Z has been going to school in person, full time, all school year. She never complains about wearing her mask either. I drop her off at 8, then B and I bring our SUV to the mechanic. I think B is dropping me off at home but instead we go out for breakfast downtown. I have a pancake, scrambled egg and side of fruit. I hear the regulars (old guys who come in every morning for coffee) talking about signing up for their COVID shots. This is a good sign! B pays, $16.04 + $3.96 tip.
9:01: I get an email that a hospital position I applied for has already been filled. Dang. It's still snowing, so I plan for a lazy day. B goes outside to snowblow.
9:55: The radiologist calls and tells me we can get my CT completed. We decide to do it right away this morning. I run up to the clinic to grab my contrast drink and set a timer so I drink the right amounts during the right time frames. It tastes like flat, flavored water. My stomach doesn't seem to appreciate it much. Hopefully this doesn't become a problem when I'm in the CT machine.
11:00: Get my CT done. I get an IV in my arm and the radiologist pushes Lord knows what into my veins, but it makes me feel like I wet my pants 🤣 He lets me check out the images when we're done. It only takes about 15 minutes and then I head back home. I sit around with B for a while, then I go downstairs to make a few crafty things and fill an order. I put a couple more things on my business page as well. During this time B brings his truck out to the mechanic and brings home the SUV. They put in a 'Minnesota approved' battery, the repair cost was $220. I offer B half but he declines, saying "let's see what the truck costs first."
2:45 PM: I get so distracted crafting that I almost forget to go pick Z up from school. She gets in the car and tells me she had the best day ever! I ask what happened, and she says she didn't get strawberries at lunch. Oh... she was being sarcastic. She picks up her room and puts away her laundry when we get home. We don't do much this afternoon.
7:00: B makes supper tonight, nothing fancy. A chicken patty for me and corn dogs for him and Z. I'm staying away from roughage to make my life easier tomorrow. Z gets ready for bed and I tuck her in at 8:45. Shortly after, B leaves for work. I go downstairs to work on a Valentine's day order.
Daily total: $0
1/20 Wednesday
12:45 AM: I have spent far too long organizing files on my computer. I call it a night. I look up my CT report and it doesn't show anything urgent or explain why there's blood in my stool. Sigh. Normal routine and bedtime.
7:05: I'm up. IT'S INAUGURATION DAY! B is already in bed. He tells me he has the chills, is nauseated, and his arm is killing him. I tell him his COVID shot is working and bring him some ibuprofen. I wake up Z and she gets ready for school. While I'm waiting, I take a body shower, let the dogs out and feed them. Drop Z off at school at 8, deliver a Valentine's Day order (+$20!) and go home to watch the inauguration while eating mini wheats.
10:45: I watch Kamala get sworn in and I get tears in my eyes. Such a historic moment.
11:45: I make myself scrambled eggs and drink a Dr. Pepper. After this, it's only clear liquids until tomorrow afternoon. B helps me give my oldest dog a haircut. You'd think we were killing her the way she cries. She's been getting haircuts every 2-3 months her whole life and still can't sit still.
2:00 PM: I have a virtual interview. The job sounds so interesting but it involves a lot of travel, and I'm not sure that would work with my family. I pick up Z from school when I'm done. She tells me "happy Joe Biden day!" when she gets into the car. We talk about the possible new job and she's not into the idea of me being gone.
5:00: B leaves to go work on his brother's house. He's been there on and off all week. He also got the night off for his floating holiday. I take my meds early so they have time to get into my system. I mix up the colonoscopy prep: two packets of powder into one liter of water. I make dinner for Z while I'm in the kitchen.
6:45: COLONOSCOPY PREP IS NASTY. Like, the taste of the drink is so disgusting and it's making me nauseated. I know it's important to keep it down, but it's also important to drink it within the one hour timeframe. Uuggghhhhh. It ends up being one hour and 45 minutes. B comes home around 8:30 and gets Z into bed.
9:00: The best way to describe how I feel is early labor. The cramps come and go and are so intense I have to take deep breaths. It's so exhausting I end up falling asleep.
Daily total: $0
1/21 Thursday
12:30 AM: IT'S TIME.
6:00: I slept between bathroom trips, but now it's time to mix up my second liter of prep. Yes, I have to do this to myself all over again. This time, I have to make sure to drink it all within the one hour timeframe.
7:30: Everybody is awake and chaos ensues. Did I mention we only have one bathroom? Z is trying to get ready for school, B wants to shower and I'm, well, you know. I get my entire liter of prep down in 65 minutes. B is still not feeling well from his COVID shot.
8:45: I manage a body shower although I had to get out once for the toilet. I am basically a zombie at this point. B drops me off at the hospital at 9:10. When I get there, they are running behind so I have to wait half an hour before I get into my room.
10:05: My nurse blows my vein and I have a panic attack. We are starting this day off great. A second nurse comes in and gets my IV in right away, thank God. Things move pretty quickly from here. By 10:30, I'm in the OR getting the good drugs. By 11:20, I'm awake enough to remember what's going on and drinking water so they'll pull my IV. The surgeon comes in and tells me they didn't see anything abnormal, but they did take some biopsies so hopefully I get some answers. By 12:05, I'm walking out the door.
12:15 PM: I am absolutely starving. B takes me out for lunch. I have a tuna sandwich and a 7Up. Our total is something around $17. I throw him $5 for the tip.
1:00: We're home. We spend the afternoon watching movies and laying around. My stomach is still pretty upset from all the torture. B picks up Z from school since I'm not supposed to drive yet. When she gets home, she regales me with the tale of getting hit in the face with a hulu hoop in gym. She actually has a fat lip!
5:00: I get a jar of my favorite eye cream on a BST board, $20.
6:00: B heads out to work and I make supper. We have tomato soup and grilled cheese sandwiches tonight. Comfort food for the win.
9:00: Z has a quarter in her tonight. We play a couple games on her iPad before I stick her in the shower and then in bed. I promptly fall asleep in the living room.
Daily total: $25
1/22 Friday
3:30 AM: Move downstairs to our bedroom.
8:00: After work, B picked up E and they come home. The dogs are frantic. I eat a bowl of cereal and hang out with Z, since she doesn't have school today. We make funny drawings of each other and she reads me some knock knock jokes. I also get two more interviews set up for next week. I head back to bed around noon. I have to go back to work tonight. I have a block schedule: 7 off, 3 on, 1 off, 3 on, 4 off, 3 on. Our pay periods are adjusted for the night shift, so if I work the weekend that's my 36 hours for the week.
4:30 PM: I'm up. I take a shower and wash my hair. B makes pizza for the kids, another traditional meal timing in our house. He leaves for work at 5:30. I am dreading work. I have been exhausted after every shift no matter if it was busy or not. I'm not sure if it's my actual job, or just the night shift catching up to me. Either way, I'm looking forward to a new position. Also, getting ready for work is a chore these days. I use Fog Block on my glasses, then put side shields on. I hook my two masks up to my ear savers. Then I find two bottles of hand sanitizer and two pens to put in my pockets because I always lose one somewhere along the way. I pack my bag (water bottle, energy drink, iPad, shoes, snacks and supper) and start my car. I say bye to the kids and head out at 5:45.
6:00: Work is already a shit show and I just clocked in 5 minutes ago. I'm so annoyed and I just don't want to be here. But you better believe I'm going to suck it up and be happy for my residents. They are usually pretty happy to see me after my long stretch off.
11:45: I buckle up for what's going to be a very long shift.
Daily total: $0
Weekly total: $597.09
Food + Drink: $177.07
Fun / Entertainment: $60
Home + Health: $203.44
Clothes + Beauty: $45
Transport: $0
Other: $111.58
Reflection: This was a normal week considering its events. Obviously I don't usually buy a new door lock, and I typically only stock up on vape juice every 6 months or so. I'm heavily into my depression spending, but with everything going on in the world I've cut myself some slack. I'm only going to live once! *ETA our cat passed away this evening, 1/25. We are very sad but are happy we got to give her a good life for the last 3 years.

Section One: Assets and Debt
Retirement Balances: Traditional IRA $72k, Pre-Tax 403b $34k, total of $106k
Equity: Approximately $25k based on comp sales in my area, but I haven’t had my condo appraised since I purchased it a few years ago. Planning on looking into this to try to remove PMI later this year.
Savings account balance: $3800
Investment account balance: $6300
Checking account balance: $600 (most extra funds go into debt repayment or savings)
Vehicle Value: $15k
Credit card debt (and how you accumulated it): I’m no longer carrying any credit card debt, I pay any balances off each month
Student loan debt: $99k for undergrad + masters, I work for a non-profit employer and I am planning on Public Service Loan Forgiveness (PSLF). I’m 11 months away from forgiveness based on my work history.
Mortgage Balance: $102k
Car note: $14300 for a 2017 Honda HR-V (purchased used in 2020)
Debt Consolidation Loan: $16500 at 8.49%. I’ve been carrying this debt for way too long…finally decided to stop messing around with credit cards except for a rewards card. This is a 36 month note but I will pay it off much faster (see expenses section).
Consumer Debt: I have a $2100 Care Credit balance for surgery for my dog, which has 0% financing that ends in July 2021.
Net Worth: around $25k
Notes/Goals: In about 2-3 years I plan on renting out my condo and upgrading to a home with a garage and some outdoor space. I’m hoping that I’ll be able to get a few hundred dollars of income per month from renting out my unit, which I plan on putting into savings. I’ve never been a landlord, but I will probably hire a management company to deal with vetting renters and collecting rent/doing repairs. I’d also like to move somewhere warm…I hate winter. Not sure if I can do that with my current employer, we’re 100% remote now but that’s not permanent. I’m going to advocate for that option though, otherwise I’ll have to look for a 100% remote job in my field after my student loans get forgiven.
My aim is to have all unsecured debt completely paid off by early 2022. I could probably pay it off faster at the expense of saving any money or reducing my lifestyle, but I think I will have better success with moderation. After that’s all paid off, I plan on saving what I was using for debt to fund a down payment for a new home.
Section Two: Income
Income Progression:
Honestly, my career was a bit chaotic in my late 20s/early 30s. I work in the IT field - I started out in IT support after getting my masters degree, and have progressed into more programming/engineering work. From 2014-2015 I tried out some other career paths that didn’t work out and just went back to IT because it pays well and I’m good at it. I am finally working for an organization that I like and have a role that I mostly enjoy.
2009-2014: $52k-$60k, IT support with a government agency. My role never changed, but I did get increases due to pay schedules.
2016-2018: $50k-62k, various IT positions at a tech startup, starting with desktop support
2018-present: $80k-$100k, IT work at a non-profit, most recent promotion was in November 2020
Monthly take home
$5200, paid once per month. I put 10% of my income pre-tax into my 403b since my employer matches that 10%. Unfortunately the match was put on hold due to COVID, but will start again with my January paycheck. It’s going to be nice seeing $20k going into my retirement this year.
I contribute $216/month into my HSA, since I have a HDHP. I get a match of up to $1000/year in my HSA from my employer, so I get the max pre-tax contribution of $3600. I pay approximately $110/month in premiums for health, dental, and vision combined.
I pay a long-term disability insurance premium post-tax of $10.25/month to increase my benefit amount to 70% of my salary until I hit retirement age, should I become disabled. I feel like this is really important as a single person, to make sure I have funds to cover my care.
Side Jobs/Other Income I will occasionally sell items on eBay or Poshmark. I run all online shopping/curbside pickup through Rakuten and usually get about $150/year in rebates for that. Credit card cash back is usually about $30/month. I get about $200/year in interest from my credit union. My dad gives me ~$500 for Christmas every year.
Section Three
Monthly Expenses
Mortgage + Taxes/Insurance + HOA: $1075, this includes parking, heat, water, trash, and cooking gas
Retirement contribution: I only do pre-tax contributions which are accounted for above
Healthcare: I pay all expenses with my pre-tax HSA funds. I’ve never had to pay more than what I have saved in my HSA, which is a blessing.
Savings contribution: I don’t save a set amount, right now I’m prioritizing debt payoff
Utilities: $71 electric, $66 internet
Cellphone: $156, this is for my phone + plan and another family member’s plan (their phone is paid off).
Subscriptions: $11 Spotify, $10 Kindle Unlimited, $15 Netflix, $13 Hulu, $8 for AppleCare and $3 for iCloud storage. AppleCare came in handy when I cracked my phone screen last year.
Credit Card Yearly fees: $95 annually. I have the Chase Sapphire Preferred for the cash back and travel benefits
Debt Consolidation Loan: $521, I pay $1021 (extra $500/mo) to get it paid off faster.
Student Loans: $0 due to the CARES Act. I estimate this will be $400/month when the forbearance period is over.
Car Payment: $240
Car Insurance: $96
Gas/Ubers/City Street Parking/Tolls: $75, I’m WFH so I’m only driving for errands or the occasional socially distanced get-together with friends. Not sure I even spend this much, but I occasionally have to reload my tollway iPass or my Chicago parking meter app, which both reload in $20 increments.
Groceries & Household Needs: $350 for food and household/cleaning supplies, includes tip/fees for grocery delivery
Dog Expenses: $400/mo because of the CareCredit balance for recent surgeries & related care. Normally I pay around $50/month for grooming and food/treats (she’s a small dog).
Personal Care: $260-ish (monthly average) for hair color, haircuts, skincare and makeup. I get haircuts every 12 weeks, hair color every 6 weeks, and Dysport injections every 4 months or so.
Gym/Fitness: $15 for Peloton app - I own a spin bike that I use 5x/week, plus I have some strength equipment at home.
Paid Hobbies: $50 - budget for new Switch games, iPad apps, books that aren’t available on Kindle Unlimited, etc. Not sure I actually spend this each month but it’s built into my budget.
Yearly Expenses
Amazon Prime: $119
Vehicle City Sticker: $82
Vehicle Registration: $151
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
I got an allowance but there was no discussion of savings or smart spending. My dad was very stingy with money, my mom liked to spend it.
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?
Yes, I was always expected to go to college. My parents divorced when I was 16 and they didn’t save any money for my tuition.
What was your first job and why did you get it?
I worked at a local restaurant as a server, so that I had money to spend for gas for my car and for fun with my friends. I stopped getting an allowance when I got this job.
Did you worry about money growing up?
A little bit, because when my parents divorced I sensed that my mom’s financial stability was not very stable, even though my dad was paying child support for my sister and I.
Do you worry about money now?
I’d say I’m somewhat vigilant about my money now. I lived paycheck to paycheck until my early 30s, because I never prioritized having savings and I spent more than I should have. I have more breathing room now, despite the debt that I carry. I’ll feel a lot better when it’s gone.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I was basically on my own when I went to college at 18. I did work-study and took out student loans to pay for school, room, and board.
Do you or have you ever received passive or inherited income? If yes, please explain.
No
Other notes: I wear a mask in public places. Fair warning that this was a tough week for me personally. 2021 is already roughing me up!
Section Four: Diary
Day 1
7:30a - today is a holiday so I don’t have to work - but I forgot to turn off my alarm. I stay in bed until 8am before my dog starts bugging me to feed her. Since she just had dental surgery, I have to grind up her kibble and mix it with water, and give her meds wrapped in some turkey since that’s the only way she’ll take them. After she eats, we go outside for a walk. I decide I want to go get some iced coffee - I check my Dunkin Donuts app and see that I have a free coffee coupon to use. I put the dog in the car and while it warms up, I scrape all the ice off my windshield (gotta love Chicago winters). We drive to Dunkin and go through the drive-thru. I also get some egg wraps and a donut ($3.53).
9:15a - I do my weekly check of my bank accounts against my banking spreadsheet. I’m very paranoid about fraud (I had my identity stolen when I was in college), so I like to make sure everything looks good. I also have a rewards checking account that gives me 3.09% on my checking account balance when I hit a certain amount of spending on my Visa, and 12 debit card transactions per month. I’m about $250 short on the Visa, and 2 transactions short, but there’s a few weeks left. I remember that I was going to switch some of my autopay bills over to that Visa card just so I can hit the rewards tier, so I do that. I spent a bit checking my personal email, reading Reddit, and texting my sister, who is also off work today.
10:00a - I start my projects for the day - cleaning out my fridge/freezer, and taking out all the storage bins from under my bed and cleaning out what I don’t need to keep. I got a Roomba for Christmas and I really want to use it to clean under my bed, but the bins are preventing that. I will take what I keep down to my storage unit in the basement.
11:00a - A guy comes to pickup an old wingback chair that I put up for free on Craigslist. It was a hand-me-down, so I wouldn’t feel right charging for it. I was going to donate it but I live on the third floor and no one is doing furniture pickups right now. He leaves with it and I go back to cleaning & organizing.
12:00p - Decide I want some more bins/organizers for what’s left after purging what I don’t need. I go to Container Store online and after putting what I want into my cart and decide that instead of curbside pickup which will take a few days, I’m going to just go to the store and get what I need. Change into what I’ll end up wearing to workout later, and put a sweater on over it. Wash my face, put on SPF (I’m pale and it’s sunny out), tinted moisturizer, concealer, mascara, and eyebrow tint. Grab my wallet and a mask and head out.
12:15p - While driving, phone call with my ex. We have been attempting to repair our relationship after we broke up in the fall. He’s been acting distant lately, so I called him to find out wtf was going on. An hour and 10 minutes later, it feels like it’s over - again. I told him that I couldn’t wait for him to figure out what he wants, and said good-bye. I cry in the parking lot of The Container Store for about 10 minutes, then get myself together and go into the store. Unfortunately they don’t have the boot boxes I wanted, but I got everything else ($99.48). I notice that Trader Joe’s is next door so I get in line and buy a few items - butter chicken, mac n cheese, 3 bags of dried mango, soyaki sauce, bell peppers, spinach, and flowers for myself because I deserve it ($40.18). I eat an entire bag of dried mango while crying on the drive home. When I get home, I pull out all the stuff I got at the Container Store and do some organizing. Folding all my leggings Konmari-style is satisfying. I feel a little bit better.
4p - All of a sudden it’s 4pm. I feed the dog and take her outside for a quick walk. I don’t have a lot of energy so I sit on the couch to get some dog cuddles and scroll through social media a bit. Decide to be productive to distract myself - spend the next 2 hours doing random stuff: unboxing an Amazon delivery, moving stuff to storage, taking recycling out to the bin.
6p - Answer a bunch of Instagram DMs I’ve been ignoring. Go back and forth with a friend about her new job and commiserate over having imposter syndrome. Write in my journal. Debate buying another organizer on Amazon, this time for nail polish. Resist, and close the window. I decide to eat a protein bar, I’m not hungry but I need to eat something that isn’t carbs. My ex responds to my IG story. I ignore it.
7p - Convince myself to get on my spin bike and do a workout. I choose a 45 minute pop ride that I bookmarked to take at some point. It’s like God knew what I needed, the playlist was so fun. I definitely sing along to Destiny’s Child “Survivor” - and I feel much better. After the ride, I eat a bowl of Cheerios with skim milk, plus a greek yogurt cup. Take a shower, change into comfy clothes, and use a lot of dry shampoo as I just washed my hair yesterday and don’t want to deal with it again. I coax my dog into taking her second dose of meds with turkey.
9p - I look at my phone and my ex sent me two more messages on IG in response to my story. Men, ugh. I get cozy on the couch with the book I’m reading - We Were Liars by E. Lockhart. I finish it and add it to the list of books I’ve read in 2021. This is #5.
10:15p - Take my dog on her final trip outside. We get into bed and I scroll through TikTok until I start feeling sleepy, then lights out.
Daily Total:
Restaurants: $3.53
Groceries: $40.18
Household: $99.48
Day 2
7:45a - I had my alarm set for 8 but I’m up early. Cuddle with my dog for 10 minutes then get up. Make the bed, this is a newer habit of mine but it makes me feel like I’ve accomplished something first thing in the morning. Give the dog her meds and while she’s eating, I put on some leggings and a sweater. I walk her around the block and after I come back inside, I wash my face, moisturize, and put on some makeup. I am trying out some new concealer and eye shadow, plus I finally got an eyelash curler (lol). I’m trying to make more of an effort to feel like a human in the mornings so it’s easier to transition back to the office when I have to go back. I straighten parts of my hair that look weird, and add some more dry shampoo. Make some coffee and add collagen protein powder and some cream. Sit down at my desk with a Greek yogurt cup and start reading through work emails and addressing my calendar.
9a - Video call with IT security team and the VP of my department
10a - Scroll through IG while making another cup of coffee. Find out that the shampoo I recently bought is part of a class action lawsuit for hair loss…great. Good thing it’s not open, and I can return it to Ulta and get something else. Go back to my desk and check ticket status and review some project documentation.
11a - Make some food - spinach, egg + egg whites, bagel with cream cheese - then back to work things. I get a new project that I was recommended for by the head of IT, so that’s cool.
11:30a - Quick video call to discuss a project, but it could have been an email. Go back to regular work things.
1230p - Take a break from work to do a live 30 minute Peloton class. Fun and feels good to move! Quick shower and clothing change, microwave the mac n cheese I bought on Monday, and go back to work.
2p - Call with my team, I leave my video off for this one. Review/work some assigned tickets and more emails. Work is kind of light right now. I should look ahead for the week but instead I get on YouTube and watch some videos. I can tell my anxiety is high because I get really unfocused.
4p - I have an application software upgrade I need to monitor - luckily this is kicked off by the vendor and I just need to make sure nothing breaks on our side. I join a conference call just so I’m connected to their technical team, but there isn’t much for me to do. I give the dog her evening meal and then take her outside. Come back in and spend some time surfing the internet while the software upgrades. Watch the COVID memorial service on the National Mall and can’t believe it’s taken this long to do one.
5p - Open a bag of dried mango, eat while checking upgrade status. Discuss some issues with the vendor technical contact, spend the next 2 hours fixing issues and completing upgrades. I email stakeholders to confirm that the upgrades are completed.
7p - Turn off work computer for the night. I setup my Roomba and put it on the dock to charge. I’ve named her Harriet. I decide I should eat something other than dried mango for dinner and put some chicken nuggets in the air fryer. I take some chicken out of the freezer and put in the fridge to thaw for tomorrow’s dinner. I should at least try to eat healthy…
730p - Harriet says she’s charged enough so I run the first cleaning job. She’s noisy but I am very excited about this. I hate cleaning so much. Before now I didn’t realize how many cords I had on the floor. She finishes running after an hour and there’s so much dirt and dust in the trap. Best gift ever.
830p - Give dog her meds. Scroll through IG, get bored, decide to watch a movie. I pick A Star Is Born because I need a good cry before I go to bed, right?
10:30p - Walk the dog, do my nighttime routine, and get in bed. Try to fall asleep but I’m struggling due to anxiety. Decide to scroll through TikTok for a while as that usually makes me sleepy. My plan works and I fall asleep around 11.
Daily total: $0
Day 3
730a - Alarm goes off but I’m already awake. Didn’t sleep well due to being woken up at 2:30am by a snow blower outside my window? That couldn’t have waited a few hours? I snuggle with my dog for 20 minutes and then get up and make the bed. Give pup her food, walk her quickly since it is colder than normal today. I make some coffee and I also take care of all the dirty dishes in my sink and put them in the dishwasher. Change clothes and fix my hair. I leave my glasses on today but still put one some eyebrow tint and concealer. Glasses can only hide so much.
8:30a - Check the news because it’s Inauguration Day and find out that the federal student loan pause will be extended until September 30th! I immediately open up my financial spreadsheet and make some updates to plan ahead. This is going to save me approximately $3000 in loan payments since these months still count towards my PSLF forgiveness. This also means I should defer filing my federal taxes until the October deadline because my income-based repayment certification date gets pushed back several months, and I don’t need my last 4 payments to be higher than they have to.
8:45a - Check work email, review the ticket queue I need to work on today, start tackling those.
1030a - Grab a Greek yogurt cup, spill some on my living room rug, my dog cleans it up. Whoops. I use a bit of carpet cleaner but there’s no stain, phew.
11a - Get a little bit emotional about the Inauguration. Kind of a relief overall.
12p - Start of 4 back-to-back calls that will end at 4pm. I grab a bagel & cream cheese to eat during the noon call, since it’s a lunch & learn. They also give us a $30 UberEats voucher that expires at midnight tonight, so I guess I’m ordering dinner tonight!
4p - Finish up my last meeting, my boss still wants to chat so I need to stay online a bit longer. I feed the dog and take her outside real quick while my boss is in another call. I order a poke bowl and a Fiji water from Uber Eats with my voucher, all I need to pay for is the tip for the driver ($5). Read the emails that piled up while I was in meetings, also check my personal email as well.
445p - Food gets delivered - it’s a really good bowl. My boss calls me and we end up discussing a variety of things for 2 hours. I’m really excited about my career right now.
7p - I write in my journal for a bit. Text back and forth with my sister, we both are feeling pretty emotionally exhausted. I wish she didn’t live so far away. Spend way too long trying to find something to watch on Netflix. I end up watching stand-up comedy - Daniel Sloss “Jigsaw” which I’ve seen before but it hits different tonight.
930p - I give the pup her meds. Do my nighttime routine and crawl into bed because I’m feeling emotionally exhausted. Scroll through social media in bed for a bit. Do a sleep meditation for 10 minutes, then lights out.
Daily total:
Restaurants: $5
Day 4
7a - Alarm goes off, change into workout clothes and walk the dog. I do two 15 minute Peloton workouts back to back. I feed the dog and give her meds, and jump in the shower. I do hair and makeup today because I have a presentation to do. Make some coffee and a bagel with cream cheese.
9:30a - Starting my morning of meetings/presentations. Already looking forward to noon when I can disconnect from video calls.
12p - Make some veggie pasta and chicken nuggets for lunch. Catch up on emails and review my to-do list - it feels like I have way too much to do, trying not to stress. I decide that I want to get outside this weekend and go hiking in Wisconsin. I text my mom and ask if she can stop by my place on Saturday to walk the dog mid-day and she says yes. I order some fleece-lined leggings, wool socks, and a puffer jacket from Target for the hiking trip - the only cold weather stuff I have is not hiking-friendly ($96.19).
1p - Two back-to-back meetings, but these aren’t video calls, thankfully. Work on some tickets and write out my ever-expanding to-do list.
4p - Feed the dog and take her outside. I get in my car to go do curbside pickup for the clothes I ordered earlier. Drive home and decide I should find all my gear for the trip because I’m not entirely sure where I put my hiking shoes.
6p - Make dinner - chicken teriyaki over ramen noodles. I have leftovers, so I will eat that for lunch tomorrow.
630p - Half-heartedly watch a few episodes of House while also scrolling through social media. I kinda fall asleep on the couch at some point.
10p - Walk the dog very quickly, it’s freezing out. Go to bed and crash, I think my emotional exhaustion is catching up with me.
Daily total:
Clothing: $96.19
Day 5
7:30a - Alarm goes off. I lay in bed for 30 minutes because I’m still tired. Change into work-appropriate clothing. Feed the dog, walk. It is FREEZING. I make some coffee and grab a Greek yogurt. Sit down and start reading through emails and chatting with co-workers via Teams.
10a - Two calls back to back
1130a - Lunch - bagel and cream cheese, two eggs
12p - Charging through my to-do list
3p - Last call of the day, ends up being a full hour…gross. Turn my computer off at 4p. Feed and walk the dog. I eat my leftover stir fry from last night for dinner.
530p - A friend calls and we chat for about an hour. We make tentative plans to go skiing as a day trip sometime next month. I’m stoked because I’ve never been skiing and some of the cold weather clothes I bought for this hike would be useful for that too.
630p - Watch Ever After while making sure I’m ready for my impromptu hiking trip for tomorrow. Find out I need to have a park pass for my car to use the state parks in Wisconsin. Buy an annual pass for 2021 ($38) because that’s the only thing you can buy online and it looks like all the park stations are closed due to COVID so I can’t buy a day pass. I’m going to use this as an excuse to go hiking more often.
9p - I’m leaving early tomorrow, so I feed/walk the dog and do my nighttime routine, head to bed.
Daily Totals:
Hobbies: $38
Day 6
6a - alarm goes off - it’s hiking day! I feed/walk the dog, and then get fully dressed. I grab my hiking shoes, a water bottle, a small backpack, and a Nutri-grain bar, and head out.
730a - I get off the interstate in Wisconsin and go through a Dunkin’ Donuts drive-thru. I get a small coffee and a bagel & egg sandwich ($5.89). Eat while driving the rest of the way to the state park.
845a - find a place to park by the trailhead and make sure my park pass receipt is showing on my dashboard. I discover there’s more snow than I thought there was on the trails, so I decide to just hike in my Ugg snow boots instead of the hiking shoes, since the snow boots go higher on my leg and are pretty comfortable. Grab my pack and start the hike! It’s really pretty with the snow, and the cold isn’t too bad. I’m glad I have my boots on. I do a 7 mile trail loop and it takes me about 3 hours.
12p - Drive home. I stop at a gas station to use the restroom and fill up my gas tank, since gas is much cheaper in Wisconsin than it is in Illinois ($23.44).
230p - Make it home. I take a long shower and then just sorta lay on the couch for a while with my dog - I’m tired from the hike and the driving. I take an accidental nap.
5p - Wake up because I heard my dog whining for food. Feed and walk her, then decide to make dinner. I have no motivation so I just throw a frozen pizza in the oven. It’s a medium size, so I eat the whole thing.
6p - Scroll through social media since I haven’t been on it at all today. Get cozy on the couch with a new book - How Will You Measure Your Life by Clayton Christensen.
9p - Walk the dog and decide I’m tired enough to just go to bed.
Daily Total:
Restaurants: $5.89
Gas: $23.44
Day 7
10a - Holy cow I slept late. Feels good to do that once in a while. Feed and walk the dog, then I make myself some coffee. Today I just add some milk to it. Check personal emails. I think about working out and decide that I’m better off just doing a stretch class from the Peloton app. I pick a 20 minute one and it was the right decision.
11a - Make breakfast - toast with peanut butter, scrambled egg with egg whites. Shower and start the multiple loads of laundry I need to do. Clean the kitchen and the bathroom - not a deep clean but all the surfaces. I straighten up the other rooms in my apartment as well.
1p - FaceTime with my sister. Today is the only day we both don’t work, so it’s ideal to catch up on Sundays.
3p - I’m hungry again but not enough for a meal. I eat an apple with sliced cheddar cheese. Continue with laundry and play fetch with my dog. I’m glad to see she has some energy back after her surgery.
4p - My ex calls me. Asks if we can meet up and talk. He invites me over for dinner, I say ok. We agree on 6pm. I freshen up my hair and do some makeup. Change clothes into leggings and a long sweater. Feed and walk the dog.
530p - Drive to my ex’s apartment. I listen to my upbeat Taylor Swift playlist on the way there. Spend the evening at his place, he orders dinner for us and I don’t offer to pay, LOL.
930p - I drive home. I text my ex that I made it home safely, since he asked me to. Walk the dog, and do my nighttime routine. Check my work calendar for tomorrow, realize that I have a previously scheduled eye doctor appointment in the morning that I forgot about. Good thing I checked! I go to bed since I want to workout in the morning before the appointment.
Daily Total: $0
Weekly Totals
Restaurants: $14.42
Groceries: $40.18
Household: $99.48
Clothing: $96.19
Gas: $23.44
Hobbies: $38
Reflections: This isn’t a normal week due to the impromptu hiking trip, but my spending wasn’t terrible. I’m really happy that I won’t be paying student loans for the next 9 months. This diary showed me that I may spend too much time on social media and that I should be eating more vegetables. I just really love carbs…haha. I will need to make good use of that state park pass, especially in the spring and fall when the weather is mild!