I'm 24, Make $56,000 A Year—& My Student Loans Are Almost $1,000 A Month

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I'm 24, Make $56,000 A Year—& My Student Loans Are Almost $1,000 A Month
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8:40 a.m. — I read the paper quickly, but I'm running late (by my standards, which means I'm five minutes early) to Pilates. I grab a granola bar and rush out the door.

6:10 a.m. — Even in the summer , I can't turn my morning person persona off. School wake-up is 5:10, so I can settle for 6:10. I stay in bed and indulge in my morning routine, which is readingcover to cover and giving the crossword a stab. Luckily, the Monday crossword is easy enough, and I finish it in about 20 minutes. I've worked up an appetite, so I savor an everything bagel with cream cheese on it.

4:30 p.m. — Tuesday nights mean West African dance class at my favorite community studio, but I have an overdue library book that I need to return beforehand. I go out of my way to visit the Central Branch of the Boston Public Library and treat myself to dinner at the new café in the library, which doubles as the city's NPR broadcast booth. Jim and Margery aren't on air, but a flatbread pizza and a slice of cheesecake are on my radar.

5:45 p.m. — I meet my friend M. at the T and walk to my favorite pupuseria. Unfortunately, it's not a $1 pupusa day, but pupusas are always cheap and M. hasn't experienced the joy of El Salvador's unofficial official food . I know I have a curriculum paycheck coming in the mail on Friday and I love my friends, so I treat her. We eat them in the park and watch another beautiful sunset. before M. and I decide dessert is a good life choice.

4:30 a.m. — I can't remember the last time I voluntarily woke up this early, but I need to meet my carpool for our hike at 6. I toast a bagel, but I'm not hungry yet, so I wrap it in foil. I triple-check my public transportation plan to remind myself that yes, I can get there right at 6 if I'm on the first train out at 5:20.

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