Sàn mua bán ETH uy tín tại Việt Nam, hướng dẫn cách mua - bán ETH (Ethereum) giá rẻ, dễ dàng, phí giao dịch thấp - cập nhật bảng giá mua bán ETH mới nhất thị trường.

Hi all! Apologies in advance for any formatting problems and that this is submitted a bit late-- it’s been a hectic morning in the office.
Section 1: Assets & Debts
401k: on track to max it out for my second year-- fluctuates but around $25k
Checkings account: I maintain about 20k in my checkings account. I have about $500 in cryptocurrency (Bitcoin and Ethereum) that I’m just going to leave in there.
Savings account: I don’t have a savings account and my rationale is that I prefer to stay liquid at the moment. I think there’s always been a deep financial insecurity instilled within me and this cushion is pretty extra but makes me feel safe.
Credit card debt: N/A, I always try and pay my cards off asap
Student loan debt: N/A, I was able to get a few scholarships in college and used a lot of my internship money towards housing. I’ve also been lucky enough for my parents to help cover a majority of my expenses. They’re really great.
Section 2: Income
Monthly take home Income: 3,741.62/month
Section 3: Expenses
Rent: 1340 (split with two other roommates)
Utilities: typically ~60
Wifi: typically ~25 (I don’t know why it’s fluctuating but I guess I’m not really counting dollars over here on something I use excessively. My roommate handles this while I pay utilities)
Retirememt: I max out my 401k, so $18,500 annually.
Cell phone: I'm on my parents' family plan
Health insurance: I'm on my parents' plan. Work offers free health insurance, but it’s easier to reach the family deductible minimum this way.
Therapy: $190 This is two sessions per month. This is pretty helpful, but I may consider looking for someone in our network so I don’t have to be paying purely out of pocket.
Gym: 29.99
Netflix: 0 I am the mooch, but tbh I don’t use it often.
Domain hosting: 6
Groupon Select: 4.99 I’ve been recently into flotation therapy and buying the Select gives me an additional 20% off on everything and ended up saving me more money. I love Groupon and will also occasionally impulse purchase shit there, so having this flat discount all the time has been totally worth it to me.
Savings: It’s all in the checkings account, but essentially everything I don’t spend I consider my savings. I also maintain a monthly “everything else goes” budget of $750/month. Sometimes I’m a bit over budget, sometimes I’m a bit under. It generally balances out and keeps me in check.
Monday
7:15 - My mornings take about 30 minutes to get ready. My routine consists of Elta MD sunscreen, Anastasia brow wiz, Makeup Forever eyeliner, Heroine Kiss mascara, and IT Cosmetics Bye Bye Redness concealer. (shoutout mua) I'm out the door and walk to the Caltrain station to take the 7:59 train to Mountain View. I have quite a long commute, but it's not that bad when I consider I can spend the time on the train to myself. It's a nice way to start the morning and sometimes I get some more time to sleep.
9:15 - At work! I work in Sales, so most of my job consists of writing emails, finding new contacts, and talking to clients. Before I went into sales, I would have never guessed that for most of the day the job itself is quiet-- just the sound of incessant typing.
12:30 - Work is great and feeds us. I pick up breakfast typically on my way in, and head down to grab lunch usually around this time.
X - I'm writing this entry in retrospect and don't recall much of my day at work. They're usually a blur. A couple of us are being promoted in title to the next step and at the moment it's a transitory time for us to build up our own book of business.
5:30 - I leave the office and commute back to the city.
7 - I'm home and cook some food. I pretty much just spend the evening reading and relaxing. Once in a while I'll get pretty intent on studying everything on a subject-- today it was about bdsm. I had been visiting this place with the guy I'm seeing (R) and I think after a couple trips, it makes sense for me to now to at least read up on the terminology and discussion on it. I spend most of the evening reading. I think this has been my biggest gripe coming out of school-- that my learning feels slower and I don't have as much depth into subjects as well as I did while in school. I miss it and I think these random evening binges help fill that gap.
X - I remember at some point that I bought a decorative plate for my kokedama plant (Japanese moss ball plants-- look them up!). I water it and put it on the plate. It looks super cute on the plate. I've reached my peak of interior design capabilities.
10 - I text R before bed. I think we're in a good place and I'm happy. I fall asleep around 11.
Daily Total: 0
Tuesday
7 - I wake up feeling like a lot is happening. My roommate is moving out -- I'm refiguring out how to pay rent and get a new subletter onboard and also find time to have dinner with the girl heading back to Malaysia. I haven't done laundry in a while -- sheets, clothes. I'm out of the country on Saturday -- packing, getting other shit in order while I'm gone. The volunteering programs I'm in are kinda happening in the background. Work is picking up -- I'm moving into a new role. I am reconnecting with a ton of friends but also making a conscious effort to pace myself. I am trying to get into setting up my personal site for random art projects I've done in the past and set me up to put content out on the internet. I want to start organizing events. I shoot off a few texts to get this all rolling and feel better.
11: - The sales reps have a weird conversation with our manager. He's not transparent and can be weird on certain topics. We're all concerned that this isn't a 'real promotion', especially since salary hasn't been discussed at all.
12:30 - We have a lunch sync just trying to figure out the situation together and how to approach it.
5: - I leave work and pick up a fruit tart from the kitchen before heading out. Their fruit tarts are hands down my favorite desserts, so that made my day. It's tasty and I feel healthy.
5:30 - My best friend calls while I commute back home. We chat and hang.
6:30 - I stop by Safeway after work to stock up on groceries. I spend a good 5 minutes standing in front of the pressed juice and kombucha and weird health shots aisle wondering what it is I need to change my life. Everything is overpriced and I end up buying a box of cornbread and some food instead. ($21)
7: - On my way home, I hit up my apartment laundromat to load my card up but realize I left my laundry card in my room. Oh well. I stop by the lil communal library and grab 3 books that seem interesting instead.
8: - I'm home and eat some cornbread while reading. I cook something quickly and eat while browsing Ulta. There is a new incoming pimple on my face and I'm upset. This is my birthday week and I got both my period and period-induced pimples.
10: 0 I end up finishing a skim of the first book and place my Ulta order. Text a couple friends before falling asleep around 12.
Daily Total: 21
Wednesday
8: - A groggy morning spent on the train. I usually read Money Diaries during this time.
9: - Head in, to be barraged by my fav coworker on Slack. She's working at a different office this week and has a good amount of tea and updates. We chat and I clean up my email while doing some work.
12:30 - Get lunch outside with a couple coworkers. It's so nice out and we're located right by a lil park.
1: - Get a lot of work done. I've set myself up with 4 meetings for once I'm back on holiday and I'm pretty hyped to close some business.
4: - I've hit a bit of a wall and feel like an animal pacing my cage as I tab in between my email, Reddit, my work, my spreadsheets, and my money diary. The office feels empty already.
5:30: - Leave the office to get to the train.
6:45: - I'm back home! One of my roommates is out of the country and subletting her apartment in the meanwhile. The current subletter is moving out soon, so I'm helping my original roommate show the place to potential subletters. I'm supposed to call a girl around 7, so text her a heads up beforehand seeing if she was still able to call. Calling out of the blue always feels invasive so I like to check first. She leaves me on read. Ahhh. I waste some time on the internet waiting around for her for a bit.
7:30: - The prospective subletter I was supposed to call to show the apartment was MIA so ??. The second call about this volunteering program I'm intending on joining was also MIA?? It’s not a great day for calls and it always feels like progress outside of work is slow.
8: - I cook a really bad meal and eat it while watching The Bachelorette season premiere. I'll pass on the drama and stuff with the rest of the season, but the intros of these dudes are really funny. Guys get surprisingly catty and I love it.
9: - I hit the gym. It's a good deadlift day! I usually lose a couple lbs off during period week, but was actually able to maintain weight this time around.
10: - Msg R about different animes and mangas and get a couple recommendations. I head to bed shortly after.
Daily Total: 0
Thursday
9: - Breakfast was hella tasty.
10: - Team meeting. Quite uneventful.
11:30: - I'm setting myself up well for next quarter and I'm feeling good right now. There are new snacks in the office... but everyone has nabbed the almond butter cups. Finding and trying the new almond butter cups becomes my personal mission for the rest of the day and I make sure to check each time I pass through the microkitchen.
1: - Have a client call that goes well. The gal is sweet and we manage to connect.
4: - Finally cop a dark chocolate almond butter cup. And ramen.
5: - I head out early to catch the train back to the city. There is an art exhibit in Oakland I've been meaning to stop by and there's a talk at the exhibit during afterhours today about art cabals. Lowkey want to start one and host community-oriented art events for the heck of it, so I feel like this will be a good first stop. I buy my ticket on the train. (8)
5:30: - People watching the different stops of the train is always fun. There was an older woman who had the prettiest gray hair. I think that when I'm older I'm going to embrace the gray or at least dye it a consistent gray since that'd be a look. I nap on the train shortly after.
6:30: - I stop by Whole Foods to get a bit of food before heading over to BART to get to the art gallery talk (8). I refill my BART card with some money on my way (34). There's nothing llke a freshly loaded BART card. (42)
7: - Get to the art gallery! I check out the different installations they've done, talk to a lady who runs her own society (I honestly regret not asking her more about it), and chat with a locally famous Vine author in the Bay Area who I recognized after seeing him in a documentary during the SF Film Fest. They were selling books on the art cabal that the artist of the exhibit started, so I purchase one. I think I was the only person under 30 in the audience. I had hoped to find similar minded people who are in the urban exploration/weird event scene in present day, but I still enjoyed it. (32)
9: - Back on the BART and start heading home.
9:30: - My friend calls becuase I texted him earlier since I was having a mild panic attack. Happens.
10: - I like the new book I got!! It was so worth it!! Read a bit before showering and heading to bed.
Daily Total: 74
Friday
7: - It's my bday! 23! (yeah, I'm the baby at the office) I was never a birthday person because growing up, birthdays weren't particularly celebrated or special, but today feels special.
9: - One of my close coworker gals comes in a bit later and brings in a cake for my birthday! It's a beautiful cake and that has to be one of the nicest things anyone has done for me?
12: - The day goes by super fast. I clean out a couple email tasks and get some housekeeping and administrative tasks out of the way.
2: - We cut and eat the cake! It's really fucking delicious and I'm so grateful. It's a good fun time with people wishing me a happy birthday and chatting about my plans for Austria (mostly them discovering I don't have any clear ones since I'm largely tagging along with my parents). My main goals while there would be to do some shopping, visit the Naschmarkt, see the Spanish Riding school, eat cake at a cafe, attend an opera, and get time to chat with my parents.
3: - My managers are pretty much done with the day so part of the sales team heads out to a bar on the main street. I get a couple IPAs and feel pretty toasty shooting the shit with everyone else. The bill is expensed.
4:30: - I head out early and spend my time on the train calling. My friend calls to wish me a happy birthday and my parents call later as well. I make my way downtown to the restaurant I booked a reservation at.
6: - The place has a multi-course menu that rotates in what they serve on a daily basis. I get a beer, a tomato soup, salmon main, and a really really nice blueberry tarte. I was super full and content at this point though not necessarily sure if I wanted to go out or how to continue the rest of the night. The day was already amazing. (60)
7:30: - I'm back at my apartment and generally cleaning up and drink a cider while I wait for R to stop by. I'm still unsure what I want to do-- get more drinks? arcade bar? I had been experiencing a solid buzz since 3 and my decision making capabilities were out of the picture.
8: - He got me a really cute, relevant gift, and some chocolate from a chocolatier that we were at in one of our earlier hangouts. It was super thoughtful considering he probably had to spend a good hour to cross the city just to get to these spots and pick out these things. It's been a special day all day so I pop open a bottle of really good moscato I got from a Napa trip. We drink and hang and talk in my apartment for way too long as usual and he doesn't head back home until 4.
Daily Total: 60
Saturday
7: - I am up at 7... and realize my flight is at 9:10. FUCK. There is a mad scramble to throw a bunch of shit into my bag. I get an Uber that will guarantee me getting to the airport as fast as possible. This poor dude had to deal with me massively panicking. (30)
9: - Check-in was super confusing since it was a chartered airline, but serviced by United? Regardless, I somehow make it to my terminal with 15 minutes to spare. At this point, I was experiencing a mild hangover, starving, running on 2 hours of sleep, and was completely dehydrated. Running through SFO was physically exhausting and I felt like keeling over. In this moment of weakness, I overpay for a croissant sandwich and a Naked smoothie. I think it was worth it because I could physically feel my hitpoints replenishing while sitting on the ground of my gate in awful condition. (18)
11: - I completely crash on the plane right through takeoff and landing. The woman next to me was a bit concerned and when I woke up when we were in LA, she made a point of letting me know we've arrived. Bless her heart.
12: LAX has a Pret which I've really missed from my time in London. I buy a chipotle chicken wrap and eat it while waiting for my turn to board. It's so toasty and so good and sets me up with just enough carbs to fall asleep again when we board. (10)
12:30: I get a great window seat and crash.
X: - (Time is always funky to me when I'm up in the air considering the weird timezones/crossing timezones. Timestamps are kinda arbitrary at this point out) I sleep a solid 8 hours on my flight throughout the whole thing and woke up briefly to eat cheesecake and chicken from the airplane meal. I was able to also squeeze in two movies -- watching 8 Mile (that last rap battle had me hella pumped up) and The Apple of My Eye (I end up bawling throughout the movie to the confusion of the guy sitting next to me).
Daily Total: 58
Sunday
X: - I land in Vienna with no issue! Honestly it's a miracle. I get a taxi to an address my parents text me-- apparently the apartment we're staying in for the first 3 days is quite hard to find and the ice cream shop address was easier to find. Vienna is a gorgeous city and it's so much warmer than the breezy fake summer San Francisco gets. (28)
1 pm their time: - My dad meets me here! We head up to the apartment where I find my mom! It's so great to see them and we catch up while I change into shorts and a t-shirt. Opening up my luggage was hilarious-- everything looked like it was thrown in last minute but I realized even while slightly delirious and in panicmode, I was able to bring everything I needed. We decide to wander around the city and explore for a bit. We're in the heart of Vienna-- District 1 and walking through the streets has us seeing a ton of gorgeous architecture and shops. We find a place to eat. The place we chose is super touristy, but fun. I loved the apple streudel. It's totally different from the ones we have out here. My parents pay.
4 pm their time: - It's got to be at least 90 degrees out and we are jetlagged. I haven't experienced true hot weather like this in over a year and my parents are weak. We don't get very far walking and end up heading back to the apartment and crash.
X: - My mom wants to take a nap and my dad decides to rest too. I hang out on the couch reading a web serial before falling asleep myself.
8 pm their time: - We all agree that we feel much much better. They are working with 6 hours of timezone difference while I'm dealing with 9 hours. Today was a good day to just rest, see each other, eat and take in the city. It's late at this point and we're hungry again and decide to grab some more food at a cafe down the street. They pay.
9: We wander around the city and stop by the Vienna State Operahouse. They have Othello at the opera today, and although we missed the timeframe to get tickets, they happen to have a large screen outside the operahouse showing the show. There's quite a crowd outside, sitting on benches and on the ground watching Othello. We join in and I get to see the last 30 mins of the opera. So much talent and such a voice even from a recording played to the outdoors.
11: - Back to the apartment and we chat and hang out. We all get ready for bed again. I browse random internet things before falling asleep myself as well.
Daily Total: 28
Expenses Summary: 0
Food & Drink: 117
Fun & Entertainment: 40
Home & Health: 0
Clothes & Beauty: 0
Transport: 92
Other: 0
Total: 249
Reflection:
This isn’t the most typical week since I had a few birthday splurges and overspent on an urgent Uber ride (BART would have been ~$6). As a whole, I’ve been lucky enough that food expenses are on the lower end since work covers my breakfast and lunch, but I’m still a bit surprised by how quickly food costs add up. I also don’t keep track of the cents on my spending since a lot of my tracking is manual, but I do round up and down in a pretty 50/50 manner.
Other thoughts: I think my savings are relatively reasonable-- I have been on track to have a 50% (+/- 2%) pre-tax savings rate. I don’t know what I’m saving towards. Retirement? To start a business? A year long cross-world sabbatical? That’s something I’ll need to flesh out, but it’s sorta a combination of all of those. I also realize my life is kind of chaotic. I do a lot and they’re all in different directions and I often wonder if it’d make more sense to streamline things so I can have better focus. In writing this, I do feel like not having a Savings account is kind of strange.
I had fun with this! Thanks for reading! I hope you guys had a glimpse into my life! And of course, I’d love any feedback on any part.

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