Money Diary: A 29-Year-Old Marketing Manager On 125k
Welcome to Money Diaries, where we're tackling what might be the last taboo facing modern working women: money. We're asking a cross-section of women how they spend their hard-earned money during a seven-day period – and we're tracking every last penny.
This week: "I'm a 29-year-old marketing manager in the tech industry who recently moved to the UK from Hong Kong after several years of doing long distance with my partner.
I grew up in a family of teachers and was extremely lucky not to have any debt coming out of university. I received a full ride scholarship and worked multiple part-time jobs for my own spending money through the four years. I've been contemplating going back to school, maybe part-time, and will give this some more thinking over the next few years.
Looking back, my parents and I rarely discussed money and finances directly when I was growing up. But they have always lived frugally so I grew up with that behaviour ingrained in me. As my parents began to establish themselves more financially by the time I was in high school, I learned from observing them to spend money on not only necessity and planning well for the future but also on things you love. My parents both have things that they collect and will invest in without feeling guilty about it, and will splurge on special occasions. So I have tried to adopt that attitude as my income has increased over time.
Nowadays I'm quite comfortable and secure financially but it still sometimes shocks me how easily I can impulse buy things, knowing that my instinct is to pinch the pennies. I often question my purchases afterwards as well – like spending £100 on plants but thinking twice about getting the £2 over the £1.50 tea bags. If anyone has good insight into the psychology of this, please let me know!"
Industry: Tech Age: 29 Location: London Salary: £125,000 Paycheque amount: £6,100 Number of housemates: One, my partner B.
Housing costs: £625. Live with partner B; we split rent half-half. Loan payments: £0 All other monthly expenses: My partner and I recently moved in together and split rent, bills, groceries but keep separate accounts since it's easier to manage for now. My share of monthly bills: internet £37.50, electric/gas around £60, council tax £145. Personal expenses: phone £5, Spotify £10, consulting website hosting £10, password manager £2. Savings? Around £110,000 saved up in cash and investments. Around £2-3,000 each month automatically gets pulled into savings accounts and Nutmeg ISA pots.
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Hold on - is this artwork created by Jirka Vinse Jonatan Väätäinen images of actual models, new Bachelorette contestants, or Disney princes? The artist and graphic designer, who beautifully reimagined what Disney princesses would look like if they were real women, did it again - but this time with the sexy dudes of our favorite fairy tales. Can we just say that Prince Eric is looking FINE?
A few years ago, Make Up For Ever was the brand that all trusted beauty experts were obsessed with. Makeup artists would speak highly of the products on shoots or backstage at London Fashion Week and it was impossible to find a beauty enthusiast who didn't own the HD foundation or an array of the iconic eyeliner pencils. The brand's cult status meant it was up there with the likes of Urban Decay and benefit Cosmetics thanks to its Instagram-worthy packaging, long-wearing formulas and impressive shade ranges. If you too were a big fan, you'll know that the brand suddenly dropped off the radar, much to the dismay of beauty lovers everywhere. Excitingly, Make Up For Ever is finally back in the UK and it's bigger and better than ever before. Now exclusive to Feelunique, you can shop over 300 Make Up For Ever products, from eyeliner to lipstick and even beauty tools like makeup brushes and sponges. The brand's Ultra HD face range has also undergone a transformation and now delivers even better results across 50 different shades, while a number of new colours have been added to the eyeliner collection. Sarah Miles, CEO at Feelunique, said of Make Up For Ever's hotly anticipated UK relaunch: "We are really excited to be working with Make Up For Ever to bring this iconic brand back to the UK. Make Up For Ever is known for its innovative, high performance products created in collaboration with professional make up artists and its inclusive, empowering approach. It truly offers something different that we're delighted to share with our customers."Click ahead for all the best Make Up For Ever products a beauty editor would buy.Refinery29's selection is purely editorial and independently chosen – we only feature items we love! As part of our business model we do work with affiliates; if you directly purchase something from a link on this article, we may earn a small amount of commission. Transparency is important to us at Refinery29, if you have any questions please reach out to us.Makeup artists can't imagine their kit without this foundation, which they adore for the believable glow. Medium coverage, it lends skin a soft-focus finish that blurs blemishes and discolouration without the heavy look or feel. The HD Concealer is also a must-try. Make Up For Ever Ultra HD Invisible Cover Foundation, $, available at FeelUniqueTikTokers are all over this fast-absorbing face primer for making foundation look seamless and dewy, and smoothing over dry skin.Make Up For Ever 1 Step Primer Hydra Booster, $, available at FeelUniqueThis powder is the stuff of beauty legend. It sets makeup without drying out skin (that'll be the hydrating hyaluronic acid) and is so light, only you'll know you're wearing it.Make Up For Ever Ultra HD Microfinishing Pressed Powder, $, available at FeelUniqueFrom nude to coral red, there are 41 shades to choose from in the Rouge Artist lipstick collection. The formula is creamy and hydrating but dries down matte and really stays put. Make Up For Ever Rouge Artist Lipstick in Classy Lace, $, available at FeelUniqueThe soft but sturdy foam nib makes light work of winged eyeliner, whether you like a dramatic flick or prefer something more understated. Make Up For Ever Graphic Liner, $, available at FeelUniqueVitamin E and jojoba wax make this lip liner moisturising enough to be worn on its own. The colour payoff is brilliant, too.Make Up For Ever Aqua Lip Waterproof Lip Liner Pencil in Light Rosewood, $, available at FeelUniqueReviewers rate Make Up For Ever's eyeshadow pots for their intense pigment and staying power. A little goes a long way to create a bold eye look without any fallout.Make Up For Ever Star Lit Powder in Copper, $, available at FeelUniqueLike what you see? How about some more R29 goodness, right here?Yes, Trinny London Really Is Worth The Beauty HypeL'Oréal x Elie Saab Makeup Is Affordable LuxuryBold Yet Simple Makeup Trends To Try Post-Lockdown
The big reveal has come and gone: overseas holidays are back on from May 17. Grant Shapps, the Transport Secretary, has delivered, as promised on April 9, a ‘traffic light’ system. This is the first and most significant step towards the resumption of travel. From next Monday, we’re no longer banned from going abroad without a “valid” reason. Yet, the small fizz of excitement has settled, leaving behind plenty of concerns. The initial ‘green list’ is very meagre, and beyond the green, amber and red ratings, there was little clarity for Britons who wish to take a foreign trip this summer. Here, we outline some of the most pressing queries for holidaymakers, and try to answer them as best we can. When will tests be made cheaper for all? Everyone will need a negative Covid-19 test result to return to England, a current rule that is to remain in place after May 17. Even those coming back from green list destinations will need to take another PCR test on or before the second day of their return. Many have commented on the fact that PCR testing costs will price some out of foreign holidays, particularly those travelling with teenagers. Some testing providers have cut costs following Telegraph reporting of firms profiteering from PCR test requirements. The tour operator TUI has negotiated the best deal to date: a £20 test package for green list countries. Yet holidaymakers who choose to travel independently, or with the smaller operators who cannot negotiate as attractive discounts as TUI, still have to pick from the Government’s approved providers. The prices are coming down, but even at £45 – the cheapest test available without booking through an operator – it still adds £180 to the cost of a holiday a family of four. The Department for Transport confirmed with Telegraph Travel that anyone over the age of five will be subject to any testing rules.