I'm 26 years old, making $90,000 a year. Here's how I budget my money to afford to live in San Francisco and enjoy monthly manicures and $22 kebab orders.
"I really like this kebab place. It's not like a nice place, but a takeout meal is $22!"The following is based on an interview that has been edited for length and clarity.I grew up in a small town in Iowa, went to college there, and then moved to Phoenix. I thought Phoenix would be the big city I always dreamed of living in. When I realized that wasn't the case, I started looking for my next spot.
San Francisco is a beautiful city. But, unfortunately, I think it's slowly deteriorating. I'm very happy to be here, but I would be lying if I said that my partner and I aren't already exploring where to move next.When I started my first job out of college, I was making $40,000. But I moved to San Francisco at the same time as that raise — and taxes are much higher here — so my post-promotion paychecks only increased by $50.I spend a lot of money each month on beauty. I get my nails done every month and my hair done every other month.
Two years ago, I realized I was spending too much money on things I didn't need. That's when I started budgeting really carefully.What is your biggest financial struggle?When I graduated college I had nearly $13,000 in credit card debt. Everything just added up — like shopping, convenience-store runs, and one big spring break trip.
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