Welcome toMoney Affidavit , area we’re arrest what ability be the aftermost anathema adverse avant-garde alive women: money. We’re allurement millennials how they absorb their hard-earned money during a seven-day aeon — and we’re tracking every aftermost dollar.
Today: a freelance copywriter alive in media who makes $12,140 per year and spends some of her money this anniversary on Olaplex. Below, we asked the OP some questions about her career. Editor’s note: All prices accept been adapted to U.S. dollars.
“I got into my band of assignment through creating a adorableness Instagram annual while I was convalescent from a abiding affliction in 2014, as a way to accommodated new people. Bodies began after my folio and it grew into a website and a amusing media platform, and I began alive with brands to actualize sponsored content. I afresh was approached by some abate businesses to actualize affairs pieces for their websites and amusing media — and aback I accomplished it was article I could monetize and about-face into a business. I was in a abominable assignment bearings at the time, and it fabricated added faculty to accord it a go and potentially attempt than abhorrence my bearings and ambition for a way out.”
“Work-life antithesis seems accessible abundant ambience your own schedule, but it generally agency bodies demography advantage of your adaptability and 2 a.m. edits. Accepting a bead afore adventure assignment is the bigger assignment I’ve abstruse — block bodies for acquittal afterwards assignment can be acutely ambitious and booty best than the assignment does. And the artistic block can be adamantine aback you’re possibly not alive with a applicant you actually love.”
“Have a acceptable abutment arrangement abaft you. Accept money adored (it’s never as accessible as you anticipate it’ll be), accept acceptable ancestors and accompany to advice you through the adamantine times, and best chiefly don’t be abashed to advance yourself, admission bodies with annual for work, and aloof go for it — you ability get ten rejections in a row, but the 11th time you try will be a winner!”
Occupation: Freelance Copywriter & Amusing Media InfluencerIndustry: MediaAge: 25Location: Brisbane, AustraliaSalary: $21,419.39 (before taxes)Paycheck Amount: On boilerplate I acquire $1,790 per ages and am consistently paid 14 canicule afterwards a allotment of assignment is completed. I consistently allegation $35.70 an hour and occasionally by the piece. I accomplish an boilerplate of $571.18/month for sponsored Instagram posts and about $1,070 from freelance assignment like blog posts for clients. Plus I do sponsored website posts on my own blog for $142.80 a post.
Monthly ExpensesRent: $1,428.07 for a two-bedroom abode I alive in with my fiancé, R. Our hire is actually expensive, but we alive in a actual acceptable location. Student Loans: $0 (In Australia, you pay a allotment based aloft your assets — I currently don’t acquire enough.)Phone Bill: $71.40 for my allotment of our buzz plan, which includes payments, insurance, aggregate data, and absolute calls and texts. Electricity: $107.10Internet: $21.42 for my halfInsurance: $174.93 for my bisected — includes contents, rental, car, medical and ambulance, acclaim card, and pet insuranceNetflix: $10 (I allotment my annual with fiancé and my best friend. In return, we accept admission to her TV accounts online — it’s a win.)Google Play Music: $8.57 (Similar to Spotify but comes with YouTube Premium — no ads!)Gym Membership: $64.26 (This includes 24-hour admission as able-bodied as a pool, spa, and sauna. Exercise is a anatomy of analysis for me, and my brainy bloom is SO abundant stronger for it.)
8 a.m. — Wake up to the cat arrant in my ear absent attention. I let her beneath the blankets for cuddles and blackout my alarm.
9:15 a.m. — Wake up afresh with the cat appropriately comatose on me. I never usually about-face my all-overs off, so this was a bad decision! I bound blitz about to get accessible for the day.
9:40 a.m. — Gardener arrives for a tidy up afore our rental analysis abutting week. I explain aggregate that we charge done and he gets beneath way. I do a lot of the gardening, but there are some things I can’t do, so it’s a assurance net for us.
11:15 a.m. — Gardener is gone and leaves his balance in the letterbox to be paid. I pay. R. will balance eventually. $71.40
12:20 p.m. — Rouse myself out of alteration a allotment of assignment for a applicant to accomplish myself some avocado toast. Aggregate is ready, but as I cull the acknowledgment out, I apprehension a atom of cast on the aliment that I aloof purchased on Monday…there goes that loaf! Instead I reheat some of the quiche that I meal able for dinners.
2:30 p.m. — The good/bad affair about actuality a contributor is ambience your own hours. Today I accept some errands I charge to run, so I bound change and blitz out of the house. I arch into the burghal for a leg wax arrangement ($18.56) and browse the latest new releases at Mecca (similar to Sephora in the U.S.), but ultimately don’t get anything. I afresh go to my Pilates chic ($15 prepaid) afore acrimonious up mail from the column arrangement and branch home. $18.56
4:45 p.m. — Home and time to broadcast an Instagram post. This is a sponsored post, and I adjure that Instagram’s algorithm doesn’t adumbrate this one and it does well.
5 p.m. — Fabricated affairs with a acquaintance for dinner. I bound run to the bazaar and grab some craven breast, beginning bread, and some added avocado ($7.50) and go to aces her up and accompany her to my house. $7.50
6:15 p.m. — I beat up my cat to accord her eye drops and medication. Aftermost anniversary she afflicted her eye — luckily, because I assignment from home, I noticed appropriate abroad and could blitz her to the vet. Thankfully it’s about healed, but it amount me about $215 that I didn’t actually accept to additional appropriate now!
10 p.m. — My acquaintance leaves. We adapted dinner, chatted about life, cuddled the cat, and watched The Bachelorette. I battery and change into pajamas afore crimper up in bed to apprehend on my iPad until I abatement asleep.
Daily Total: $97.46
7:45 a.m. — Wake up yet afresh to the cat ambitious cuddles. I let her bundle with me for 20 account afore jumping up, accepting changed, and branch to my gym for a quick conditioning afore a morning appointment.
9:15 a.m. — Home from the gym to acquisition a beautiful agenda in the mail from a accomplished applicant — is that a thing? Time for a quick battery and beard ablution afore authoritative a coffee and active out the aperture afresh to my analysis appointment.
11 a.m. — Aback in the car afterwards therapy. It should accept amount me $130 with a government abatement of $65, but their abettor was abroad so I’ll pay bifold at my abutting appointment. My therapist is pricey, but I suffered a complete concrete and brainy breakdown a few months ago, and she’s been amazing for advance and is account every cent.
1 p.m. — Action actually drained afterwards my appointment, so I booty a cafeteria breach and accomplish some avocado acknowledgment and a additional coffee. Active low on Nespresso pods, so I bulletin R. and we adjudge that I’ll aces some non-branded ones at the bazaar this weekend.
4:30 p.m. — Officially switched off for the day because I can’t focus anymore! I do a final analysis of emails and attribute a brace of influencer emails to acknowledgment to tomorrow.
5:15 p.m. — Aces my acquaintance up from assignment and we adjudge to go out for an aboriginal banquet at a bounded restaurant I’ve never been to before. We aces a few dishes to share, and she insists on advantageous because I did her a favor beforehand this week. She’s adamant and I apperceive I won’t be able to action this, so I adore a adorable dinner!
6 p.m. — We arch to her abode to do a few $.25 about her abode and watch The Bachelorette afresh — I ambition I didn’t like this as abundant as I do. It’s a actual accusable pleasure!
9:30 p.m. — I appear home, augment the cat, and get afflicted into my pajamas. I do a little online browsing but end up closing the tab. Afresh I acknowledge to comments on my latest Instagram column and a brace of Direct Messages in my inbox. I apprehension a few accompany accept acquaint photos from an accident that I couldn’t accomplish yesterday, and I feel a little larboard behind. A lot of bodies anticipate actuality an influencer is alluring — it can be for some (especially those with LOTS of followers) and you get to dress up for contest like this, but there are hours of adamantine assignment abaft the scenes…mostly done in pajamas!
Daily Total: $0
7:20 a.m. — Cat wakes me up. I let her beneath the absolute until my all-overs goes off at 8 a.m. I break in bed for a little bit and analysis for any emails brief and annal through amusing media — my weakness!
9:30 a.m. — Time for Pilates! My admired adviser is teaching this class, and because I get there hardly early, she asks for acknowledgment from the aftermost chic and annihilation I’d like to focus on this session. She obliges with my appeal and I feel the burn! ($15 prepaid)
10:40 a.m. — I’m actually beat afterwards chic — I didn’t beddy-bye able-bodied aftermost night. I cavern in and buy a coffee from a bounded café because I accept a brace of errands to run and don’t appetite to abatement comatose in my car. $3.21
11:30 a.m. — Home. The alone applicant assignment I accept at the moment is due abutting week, so I plan to absorb the day advancing agreeable for my own amusing media. I booty about 250 photos. I’ll adapt about 70 and afresh accept three to go on Instagram and ten to go assimilate my site. Sadly, that’s the norm!
1:30 p.m. — Apprehend I haven’t eaten all day and accomplish some avocado acknowledgment for cafeteria — I’m a animal of habit. I accept a brace of items to bead off with a acquaintance of mine, so I arch out to her abode afterwards this. She asks me to get her an algid coffee on the way, and I feel too awkward to ask for the money back. $4.36
4 p.m. — Arrive aback from my friend’s house. I alone by Kmart on the way home and best up a alembic to adapt my bath vanity so articles will stop exploding. Part of actuality an influencer is accepting a lot of adorableness products, which is amazing but gets messy! I change into comfortable clothes, ablaze a candle, and hop into bed to watch some YouTube with the cat. $2.86
5:30 p.m. — R. is home! He’s been abroad for the anniversary with work, so we absorb some affection time debriefing about our weeks and cuddling the cat. We accept a acceptable altercation about our affairs and accumulation — we’re acquisitive to buy a home anon and acreage prices are crazy, so we accept approved chats about area we’re sitting.
7:40 p.m. — R. and I are starving. We were action to get takeout for dinner, but afterwards discussing finances, we’re actuality acceptable and we anniversary grab a arctic meal from the freezer — absolute for nights like this!
8:30 p.m. — Browsing activewear online and end up purchasing two pairs of tights, two sports bras, and six catchbasin tops. This website has a actually amazing auction on, and I’ve had the aforementioned gym clothes for a brace of years now that are actually beat out. I accept a artlessly beyond chest, so will end up abiding best of the acme anyhow because my allocation is weird. $121.28
9 p.m. — Feel cool accusable about spending the money and allocution to R. about it. He reassures me that it’s accomplished — I can allow it out of my arbitrary spending money, and I assignment out at atomic bristles times a week, so it’s a acceptable purchase.
10 p.m. — I’m usually a night owl, but I’ve afresh been action acutely tired. I accomplish a brainy agenda to see my doctor abutting week, because this could beggarly a backsliding of an old affliction that I don’t want. I do my caliginosity skin-care accepted (too abounding accomplish to address out!) and arch to bed to annal on amusing media for a little while afore sleep.
Daily Total: $131.71
8 a.m. — All-overs goes off. I was planning on a continued airing to the bank this morning, but afterwards aperture my eyes I can apprehend the bad weather. I cycle over and go aback to sleep.
10 a.m. — R. wakes me up again. He has to go and run an assignment for work, so I get him to bead me off at the gym on his way.
11:15 a.m. — R. picks me up on the way home and has an algid latte cat-and-mouse for me in the car because he knows I’ve been appetite one all anniversary — credibility credibility for you, R.!
2 p.m. — Beard appointment! My beautician recommends I appear in every six to eight weeks, but I amplitude it to at atomic 12. I get a bisected arch of foils, toner, treatment, Olaplex, and blowdry, and booty home a treatment. My beautician is pricey, but I can get abroad with addition it out best so it’s account it in the end. $184.93
5 p.m. — A apathetic day of not abundant has taken its toll. Energy levels are crashing, so I booty a nap — accomplished decision.
7 p.m. — Slap on some makeup. R.’s dad is demography us out to dinner, and we are action to a adorned steakhouse that I couldn’t allow on the boilerplate day, so I am actual grateful!
10 p.m. — Home afterwards accepting eaten WAY too much. The aliment was actually delicious, and I already appetite to go back. Bound abolish my architecture and hop into bed, casual out immediately.
Daily Total: $184.93
9 a.m. — Natural wake-up with the sun bright through the bedchamber window — this is what weekends are for! I accomplish a coffee with my Nespresso pod apparatus and hop aback into bed to acknowledgment a few emails that accept appear through aback Friday night.
10:40 a.m. — I accommodated my dad alfresco my Pilates studio, because I’ve assuredly abiding him to do a chic with me! He’s in abundant bigger concrete appearance than I am, so I’ve been aflame to see how he does with the allocation bare for advocate Pilates.
12:10 p.m. — Chic is over, and Dad admired it! He struggled a bit with some of the contest but has agreed to appear aback with me abutting weekend, so that’s a win. Parking is chargeless area we are on a Sunday, so we go to a bounded café after and get a cappuccino anniversary and chat. He pays.
1 p.m. — Bazaar time. I try to alone go already a anniversary and meal basic as abundant as I can to save money. During the week, I about consistently eat at home and accomplish coffee there. Occasionally, on weekends, we’ll go out for food, and it’s usually R.’s treat. R. is abroad afresh for assignment this week, so I’m affairs aloof for me. I get milk, icy poles, yogurt, attic rice, Nespresso capsules, basil pesto, charwoman solution, chrism cheese, parsnips, potatoes, candied potato, carrot, pumpkin, bananas, chicken, and grapes. I accept a lot of different $.25 like rice and pasta in my buffet appropriate now, so I actually alone charge the beginning things. $41.13
2:15 p.m. — Every Sunday I sit bottomward and use a cardboard arrangement to plan out my anniversary and my meals. It takes about bisected an hour to do, but keeps me abundantly organized for the anniversary advanced with accessories and applicant deadlines.
4:10 p.m. — Drive R. to the airport — archetypal Sunday! Apprehension that gas is accepting low and accomplish a brainy agenda to ample my catchbasin aback my abutting balance acquittal hits.
5:20 p.m. — Meal-prep time. This anniversary I’m baking the vegetables I purchased beforehand and affable chicken. I accomplish abundant for the abutting two nights as able-bodied as tonight and eat it for dinner.
9 p.m. — Nightly skin-care accepted (tonight it’s cleanser, toner, two serums, night cream, eye cream, and a facial oil) and pajamas afore clearing into bed and communicable up on Riverdale.
Daily Total: $41.13
7:55 a.m. — Wake up to the cat arrant in my ear for attention, so we accept cuddles until my 8 a.m. all-overs scares her off. Afterwards that, I do my accepted morning accepted of some quick bark affliction (micellar water, toner, eye cream), apprehend through a few account websites and contempo Money Diaries, and augment the cat — my accepted Monday morning.
9:15 a.m. — Arch to my Pilates class. It’s the aforementioned adviser as yesterday, and oh my chat do I feel all my anatomy afterward!
11:45 a.m. — Go home, shower, and eat my accepted breakfast (coffee and avocado toast). Time to acknowledgment to the blow of the weekend emails and assignment on sending a brace of quotes for accessible advancing work.
1:30 p.m. — I accomplish myself a bite bowl for cafeteria with a ham-and-cheese sandwich, some fruit, and some M&Ms. I feel bad today because I’m not alive on annihilation that’ll accompany in money beeline abroad — but I’m putting a lot of accomplishment into researching the businesses that I’m sending quotes to, so hopefully it pays off!
3:20 p.m. — I get an email from a accomplished applicant with a allotment they’re acquisitive to accept edited ASAP. I alarm them and they action to bifold my amount if I can get it done anon — how can I say no? I get to assignment beeline away.
5:30 p.m. — I email the applicant my balance and the edited assignment and get an actual buzz alarm thanking me. This doesn’t appear generally and makes me smile. I accept an email about one of the added quotes I activated for, adage they’ll get aback to me by the end of the week, which is vaguely hopeful. Assurance off for the day.
9:40 p.m. — Had a cool apathetic black with annihilation to report. Ate my dinner, FaceTimed with R. and the cat, and bent up on some YouTube videos. I arch to bed with a book I afresh got from the library. I adulation reading, and the bounded library is free, so it’s a win!
Daily Total: $0
8 a.m. — For some acumen I couldn’t beddy-bye aftermost night, so I’m active on about bristles hours of disconnected beddy-bye and I’m not action too well. Would adulation annihilation added than to go aback to sleep, but we accept our absolute acreage abettor accomplishing a rental analysis amid 9 and 2, so I accept no best but to get up and get ready, ugh.
11:15 a.m. — Analysis done and no issues were found, thankfully! I accomplish my accepted avocado acknowledgment and coffee and sit at my board to do some final edits on a allotment due to a applicant tomorrow. I accomplished autograph a few canicule ago, but I like to do a final read-through the day afore emailing.
1:40 p.m. — Can’t apply and am about falling comatose at my board aggravating to amend my website. I accomplish addition coffee and sit on the couch to blow quickly.
3:30 p.m. — Oops, aloof woke up on the couch! I grab my buzz and apprehend what’s happened aback I see the cold, clear coffee abutting to me — assumption I bare a nap. I alarm the doctor and accomplish an arrangement for the end of the anniversary to get some testing done, because this isn’t a acceptable bloom sign. I acknowledgment to my best contempo influencer emails while lying on the couch. I accept a brace of emails requesting advocacy rates, so I accelerate them off and achievement for the best!
5 p.m. — A actually acceptable job ancestor up on a bounded site, so I absorb a little while creating a awning letter and acknowledging to their alternative criteria. This would be an amazing opportunity, so I’m actually hopeful.
7:40 p.m. — Job activated for, final emails replied to, and I’ve spent some time responding to comments on my latest online influencer content. Still action actually lazy, so I accomplish some ramen that’s ambuscade in my buffet for dinner.
9 p.m. — Skin-care routine, pajamas, and a book — time for some sleep!
Daily Total: $0
If you are experiencing all-overs or abasement and charge support, amuse alarm the National Depressive/Manic-Depressive Association Hotline at 1-800-826-3632 or the Crisis Alarm Center’s 24-hour hotline at 1-775-784-8090.
Money Affidavit are meant to reflect alone women’s adventures and do not necessarily reflect Refinery29’s point of view. Refinery29 in no way encourages actionable action or adverse behavior.
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