Teacher in South Texas — Money Diary


Occupation: Teacher
Industry: Education
Age: 27
Location: South Texas
Salary: $52,000
Net Worth: ~$14,000 (Checking: $3,000, savings: $36,000, 403(b) retirement: $3,580, minus debt.)
Debt: Student loan debt: $26,432, credit card debt: $2,000
Paycheck Amount (1x/month): $3,420 + $500 master’s bonus paid out in two installments per academic semester
Pronouns: She/her

Monthly Expenses
Rent: $650 paid to my partner, which covers half of her mortgage payment and all utilities. My partner owns her condo alone and I pay her rent.
Student Loans: Currently deferred, will be $250 in September
Credit Card: $350
Savings: $300
Money Sent To Mom: I send my mom about $350/month to help her out
Health Insurance: $0 (my dad works in healthcare and I get it for free as a perk)
Phone Bill: $74.08 paid to my brother
Apple Storage: $2.99
Billie Subscription: $9.74 every three months
Netflix: $21.64, which I share with my entire family
YouTube Premium: $17.31
Spotify: $14.06 for a duo subscription I share with one of my brothers in exchange for use of his YouTube TV
Amazon Prime, Disney+, HBO Max, Hulu, YouTube TV: $0 (I use various friends’ and relatives’ subscriptions)


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