Program Specialist in Portland, OR — Money Diary

Occupation: Program Specialist
Industry: Local government
Age: 27
Location: Portland, OR
Salary: $68,000
My Husband’s Salary: $40,000
Net Worth: $32,800 (Savings: $22,000, investments: $25,500, retirement savings: $13,100 minus debt. My husband and I typically split bills equitably from a joint account. We put almost all of our spending on a credit card which we also pay in full every month from the joint account. We usually put 20% each into private savings accounts, but haven’t maintained that structure for a few months since he took a pay cut and we’re in the middle of buying a home.)
Debt: $12,100 in student loans, $15,700 left of my car loan. My full student loan balance will hopefully be erased by Biden’s forgiveness plan.
My Paycheck Amount (2x/month): ~$2,100
My Husband’s Paycheck Amount (2x/month): ~$1,100
Pronouns: She/her

Monthly Expenses
Rent: $2,000 (includes water and trash)
Car Payment: $240
Student Loans: still paused
Electric: ~$100
Wi-Fi: $80
Gas: ~$20
Car Insurance: $80
Hulu: $14
Husband’s Cell Phone: $90 (I’m still on my family’s plan)
Streaming Services: We use family’s Netflix, Amazon Prime, and any other streaming needed.

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